davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.
Consumer complaint received 2016-12-28
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXX XXXX  XXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including SSN. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment Im very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Consumer complaint received 2015-05-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (IN)

I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Back on Sunday XXXX XXXX XXXX our leased auto was totaled in a car accident. Our insurance company paid the monies owed on the lease. According to an investigation by the State of New Jersey Department of Insurance Division of Insurance Consumer Protection Services Dated XXXX XXXX XXXX. " The driver of the vehicle that pulled out directly in front of us was found to be XXXX liable for the accident and damages sustained due to his failure to yield the right of way of traffic. '' It also appears that you have GAP insurance on your lease so you would not have incurred any additional fees. '' On XXXX XXXX XXXX ALLY FINANCIAL closed the account as Latest Status : Collection/Charge-Off with a balance of {$690.00} Closed - Derogatory We have sent several certified letters to ALLY Financial disputing this balance along with placed disputes with XXXX and XXXX. We would like this claimed balance owed to be removed from all credit reports and closed with paid as agreed.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (NH)

Pacific Union Financial by law is obligated to pay my insurance on time as long as I am not 30 days late on my payment. they are three months late on paying my insurance. Secondly, when calculating my RESPA they calculated the account wrong and by law I need to receive an initial and current RESPA analysis in writing within 30 days after initial and current calculations and have received no mailed documents at all. Thirdly, by federal law the maximum allowable escrow cushion is XXXX of total escrow in 12 months and Pacific Union Financial has more cushion than that.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MS)

I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed my former mortgage with XXXX XXXX XXXX through Transunion. XXXX responded. Originally it said I had XXXX 30 day lates and XXXX 60 day late. After the dispute Transunion reported 120 days or more. XXXX says they never told them that. They both advised me to dispute it with the other, but nobody will help me. I 'm about to apply for a new mortgage and this is going to be a big impact.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have requested and demanded that TransUnion validate a public record account/federal tax lien from XXXX.. On three occasions I have disputed this account because the information is not accurate because the account has been satisfied. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am overly confident that their entity did not investigate the matter. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. TransUnion has cost me a job that would have supplied my family with a very nice cushion. I 'm stressed, confused, upset because their negligence and unfair practices has ruined my professional career.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (CA)

The beginning of this year on XX/XX/year> I needed to take out a personal loan to pay off my car because I was trying to pay off the equity on my car to sell it to a company called XXXX and I needed {$18000.00}. I found out about Upstart to take out a personal loan right away but unfortunately XXXX took my money and never pay off the car or anything. I am stuck paying off this loan that this company just stole my money. I need help to take off this loan, I am unable to pay this loan.
Consumer complaint received 2015-04-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (OH)

I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (CA)

I have a PayPal Credit account for many years. They have a XXXX liability policy for fraud. On XX/XX/XXXX I filed a claim for {$940.00} ( my first claim ). They have done nothing to resolve the issue. And I was just informed by a PayPal dispute representative that there is no one at PayPal Credit I can talk to, ever. 

PayPal 's site claims their liability protection is the same " as that provided by most major credit cards ''. That is clearly untrue.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (KS)

My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. 
I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX 
Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. 
The policy stated I had to provide proof of return had to provide proof of return. That is all. 
The website actually required more than the proof of return. 
XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. 
In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. 
All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. 
In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a VICTIM of their " inquiry issue ''. back in XXXX my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was XXXX XXXX, XXXX XXXX, XXXX again, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( which did n't come back ) all the others came back and has hurt my score for mortgage, after transunion removed them, then did n't notify me of placing them back on i wouild like my already removed injuries back off, as in XXXX they assured me they would stay off
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed XXXX collections on my account multiple times and requested how this debt was verified and who they had spoken with etc. The only response I got from the credit bureau was that it had been investigated and found to be accurate with no description of how it was verified despite my repeated requests. For XXXX account, I even had emails from the company stating that it was to be removed, however, the credit bureau continued to refuse to remove stating that it was not sufficient proof that it should be removed.
Consumer complaint received 2016-08-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please see complaint # XXXX for a more detailed explanation. I am submitting this to formally file a complaint for Transunion. On XXXX XXXX, 2015 I accessed the Transunion web site to obtain a free copy of my credit report. I agreed to be charged {$1.00} for the report even though it should be provided for free. On XXXX XXXX, 2015 I was charged {$17.00} by Transunion. I contacted them to discover that I had apparently signed up for their credit monitoring service. I asked them to cancel it immediately and to reverse the charges. They did not reverse the charge but I am disputing the charge through my credit card company. Transunion engages in highly deceptive practices and consumers should be wary of accessing their web sit and certainly their services.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion has an incorrect SSN on my file with them. As a XXXX, I do not have a US SSN, only an Individual Taxpayer Identification Number ( ITIN ). TransUnion has refused to remove the incorrect SSN ( which according to a " Special Message '' on my file with them belongs to someone who died in 1991 ). They have made me obtain a letter from Social Security Administration confirming that I do not have an SSN, and do not currently qualify for one ; I have obtained that letter and sent them a copy, yet they still will not remove the incorrect SSN from my file.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our mortgage was sold to SPS by XXXX just a couple weeks before we were going to be closing on our short sale. We have been working with SPS since XXXX and initially they ran our request for short sale under the wrong terms so it was denied. After finding that out we had to resubmit all the paper work, by our short sale specialist, who called every week and asked how things were going was told they had all the necessary information and were waiting for a decision. At the end of XXXX they mailed us a letter saying that the terms from the second mortgage do not meet their requirements, which was never communicated to the short sale specialist any of the times she called. We were able to work with the second mortgage to get a different settlement term with them except that we need to close by XXXX which SPS has been aware of. We have had all the paperwork turned in since the beginning of XXXX and still have no answer from them. Every time you call it 's impossible to speak to a supervisor or manager and the " relationship manager '' they assign is a joke, the person never calls back and their extension always rolls over to the same people you were speaking with before. They have said they have " escalated the file '' and that 's all they can do when you ask to speak to their supervisor they say they can not do anything else. They put a " ticket '' in for the relationship manager '' to call you back but they have XXXX48 hours and that 's all they will do. I 've explained to them multiple times that we have to have an answer by the XXXX or we are going to lose this short sale and they could care less they say well it could take 30 days and there is nothing they can do besides " escalating '' the file. I feel like they are getting some sort of monetary kick back from someone to prolong this process. They are horrible. Please help us.