davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I recently opened the bank account with XXXX and they went over my credit report with me and I noticed I had two open accounts from XXXX XXXX XXXX XXXX. Thats fraudulent accounts that I dont recognize. I am unaware of the accounts. I dont know if my information was included and the data breach with XXXX XXXX Among the other companies that had data breaches, but this is a fraudulent account and have XXXX reported it and have been hath for collections and Money and I have made XXXX XXXX XXXX XXXX aware that I never opened a credit card account Its one account that three reporting XX/XX/XXXX for XXXX Another account reporting XX/XX/XXXX for XXXX Im just realizing that this is on my credit report these are fraudulent accounts that I do not recognize
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

On XX/XX/23, I have submitted a loan payment from my bank for {$18000.00}. Even though that amount has been withdrawn from the bank, Edfinancial is now missing {$4200.00}. Their website is not indicating where that money has went. I have reached out to edfinancial for the last 7 months, called them countless times. I was only told to wait a week longer each time, the managers has also failed to contact me regarding this situation. I have submitted bank statements and full proof of the withdrawal. They have taken my money without subtracting the correct amount from the loan due. Also i can not submit more payments unless this issue is resolved and now my loans will accumulate interest.
Consumer complaint received 2020-01-07
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: EQUIFAX, INC. (NC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XX/XX/XXXX.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have contacted MOHELA Student Loans since XX/XX/XXXX Several times, in XX/XX/XXXX I contacted them three times in reference to qualifying months that were not updated for XXXX. They repeatedly had me submit my certifications. In XXXX and then again in late XXXX, I contact them again for XXXX  months prior to the lawsuit. The months in question for XXXX are XXXX through XXXX and those in XXXX are XXXX through XXXX, which would place me at XXXX payments for XXXX XXXX duty and I would have met my forgiveness. When I spoke to the representatives in XXXX, all of which is documented, they advised me that I would see updates within 5 to 7 days that never took place. I have also reached out to the Department of Education XXXX and they simply refer me back to MOHELA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-13
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Tally Technologies (NY)

I am writing to formally express my dissatisfaction with Tally, a credit servicing company I had an agreement with, which has since filed for bankruptcy. When I initially signed up for Tally, the understanding was that it would provide me with a line of credit to help manage my credit card debt by paying off my balances and thereby reducing my interest rates.

However, following the company 's bankruptcy, my situation has drastically changed, and I am now being held to a fixed loan, which was never the agreed-upon purpose of the service. I never consented to a traditional loan with Tally, and the product was always intended to be a flexible line of credit for reducing credit card interestnot a fixed loan. This change has placed an unexpected and unfair burden on me financially. 

I did not agree to this shift in loan terms, and it feels misleading and unjust. I am deeply concerned about how this has been handled and the lack of communication and transparency regarding the companys bankruptcy and the sale of my account to another lender. I believe I have been misled by Tallys initial service offerings and how they have been altered without my consent. 

I request immediate clarification regarding : 1. How my loan terms were changed and why I was not consulted.

2. The legal justification for converting my flexible line of credit into a fixed loan.

3. What steps are being taken to address the concerns of customers affected by Tallys bankruptcy.

Furthermore, I would like to explore the possibility of joining or initiating a class action lawsuit against Tally and any involved parties for this mismanagement and breach of consumer trust.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

We refinanced our car through our bank, XXXX XXXX, which is now handling the payments. 

- XXXX XXXX : A payoff check amounting to {$52000.00} was sent to Toyota Financial Services ( see attached ). 
- XXXX XXXX : The said payoff check was posted and cashed by Toyota Financial Services . 

Since then, we have made numerous calls to Toyota Financial Services on the following dates : - XXXX XXXX - XXXX XXXX - XXXX XXXX ( twice ) - XXXX XXXX - XXXX XXXX - XXXX XXXX ( three times ) - XXXX XXXX ( five times ) - XXXX XXXX - XXXX XXXX ( three times ) - XXXX XXXX ( twice ) Each time, we were told to follow up again after a certain number of days, but no resolution was provided. 

- XXXX XXXX : My husband and I sent a signed letter ( attached ) formally requesting a resolution, but we have not received any response. 
- XXXX XXXX : Toyota Financial Services contacted my husband, but there was still no resolution, and we were told they would follow up. 

Unfortunately, our credit scores have been negatively impacted twice due to this account being marked delinquent, which is extremely concerning and detrimental.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and accurate and false information consist of four personal credit card accounts and one account from XXXX XXXX for {$450.00} the credit card accounts were from XXXXXXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$660.00}, XXXX XXXX XXXX XXXX for {$660.00} and XXXX XXXX  no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX is an account that has reported on my TransUnion credit report XX/XX/2020. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX XXXXXXXX MY DATA WAS EXPOSED IN THE EQUIFAX DATA BREACH
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Attention Error Team at XXXX, I am sending this to you today because I have pulled my most recent credit report and I am extremely concerned. I have done research at my end and, as you and myself are both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to investigate and correct any errors, and I would appreciate your assistance to solve these problems. 

It is very troubling as these items are reporting as incorrect and inaccurate information. I demand that you conduct a thorough investigation for each and every mistake listed, and a complete report must be provided to me after you have completed the investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

- Truist Bank XXXX15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 

XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 


XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP Please see the above inquiries as well.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LCI Acquisition Inc. (CA)

Subject : Request for Investigation and Correction of Credit Report Entries To Whom It May Concern, I am writing to both entities to dispute inaccuracies listed on my credit reports that are managed by your agencies. This dispute is filed under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and fair reporting of consumer credit information. 

Following my XXXX XXXX bankruptcy discharge, which was finalized on [ Date of Discharge ], Case Number [ Your Case Number ] in the U.S. Bankruptcy Court for the [ Courts Name ], certain accounts continue to be inaccurately reported. Below are the details of the accounts, which should reflect a status of " Discharged in Bankruptcy '' with a balance of {$0.00} : XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXXXXXX XXXX  Account Number : XXXX Current Reported Information : No Data Correct Status : XXXX in Bankruptcy XXXX XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy Attached are copies of my bankruptcy discharge documentation, including the final decree and schedule of included debts, which verify the discharged status of these accounts. 

I request that LCI Consumer Center and XXXX XXXX XXXX conduct a thorough investigation into these matters and update the records to accurately reflect the legal status of these accounts. I also ask for a written confirmation of the receipt of this letter and to be kept informed of the investigation 's progress. 

Furthermore, I request a copy of my full credit report post-investigation to verify that all corrections have been made. 

Please address this matter with urgency and ensure that the corrected information is reflected in my credit reports. Should you require any additional information or further documentation, please do not hesitate to contact me at the above address or through my contact details. 

Thank you for your attention to this important matter. 

Sincerely,
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Sent from my XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX XXXX standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/scrub>XXXX I filed a complaint with CFPB. Ever since then, Ive been retaliated against ever since. On XX/XX/year> I had XXXX in my checking account. I XXXX XXXXXXXX. Which left me with XXXX. I left XXXX in my checking. I put the rest in my other account. On XXXX I received a return check fee because my item was XXXX. I then called and the representative said its because I had no money in my account. I asked to speak to a supervisor and was left on hold for 25 minutes.now Im being charged an {$35.00} overdraft fee for {$1.00} that was in another account. ( my teen checking )