davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: DailyPay, Inc (CA)

The company cancels hundreds of services of payroll surprisingly and left many people with XXXX money- they stopped giving the payroll services from XXXX XXXX employees for more of 9 days of work. They said a lot of lies of wait wait wait hours 24-72 hours and now they said we are corporate employees when for example I am XXXX.
Consumer complaint received 2024-01-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WSFS FINANCIAL CORPORATION (PR)

I have been trying to satisfy the auction amount requested on XX/XX/XXXX. My attempts to contact the bank have been ignored. I opened a complaint with CFPB on XX/XX/XXXXXXXX 
Complaint number XXXX received a response stating that the bank did not own the property. However, I found proof that the bank does own the property and have filed an eviction request with the court. 
I did receive the eviction notification to leave the home on XXXX XXXX XXXXXX/XX/XXXX. I am questioning why this quick action is being taken to remove me from a family home without providing me the opportunity to close this issue in good faith with the chance to discuss purchase options.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (PA)

on XX/XX/2021 I used cash app on my for from XXXX XXXX to send my homeless sister in law XXXX XXXX {$190.00} dollars to the username of $ XXXX per the cash app but my sister in law has sold her old cellphone that is connected to her account to another person while traveling and that person has access to her cash app account. My sister XXXX XXXX never received the funds of {$190.00} I had sent her by my cash app account with XXXX XXXX. I requested a refund by the person who now owns XXXX XXXX cellphone and he said he would not refund the funds and I have explained to cash app support for XXXX XXXX and the XXXX XXXX support said they would not refund my {$190.00} dollars at all.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (PR)

In mid-XXXX 2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXXXXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )
Consumer complaint received 2024-01-12
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. (PR)

In mid-XXXX  2023 I received a notification from my credit monitoring service stating that one of my accounts was being reported delinquent. Upon evaluating my credit report I identified the source of the delinquent account information to be my XXXX credit card. I could not understand how this was possible, since I had set up autopay on that account directly on the XXXX website several years ago and the monthly minimum payments were always withdrawn from my checking account with XXXX XXXX XXXX . When I contacted XXXX about this issue the representative told me that the issue was the result of IT system failures as a result of systemwide data migration of their system, and that other customers were likewise impacted ( their autopay was also dropped ). I immediately brought my account balance to XXXX. The person that I initially talked to at XXXX was XXXX XXXX  , a Resolution Specialist at the XXXX Contact Center . XXXX XXXX  assured me that the dispute would be resolved but then she sent me an email stating that the company would not be correcting my credit report. I was shocked by this outcome since the missed payments were not the result of anything I did or failed to do. I then decided to escalate my complaint to a Resolution Manager at XXXX, who took the information but has not been able to resolve the issue. The managers name is XXXX XXXX. 

XXXX credit card acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( As a XXXX XXXX XXXX who was impacted by a data breach of XXXX Im enrolled in credit monitoring service. )
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

They reported a public record in my credit file that did not belong to me I sent a letter to the XXXX XXXX PR asking for the contract in my name to support the listing on my credit, but it has been more than 30 days and they don't answer like law say. I asked Transunion to investigate and delete this from my credit report for violation and they didn't answer my dispute.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the fair reporting credit act account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A : states I have the right of privacy. 

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PR)

I pulled my credit reports on XXXX from XXXX, Equifax, and XXXX. 

On the XXXX report my name is correct but the XXXX AKA 's are not ; on the addresses, the current address is mailable but the other XXXX are non-mailable addresses ; the only phone number that is currently in use is the first XXXX, the other XXXX do not belong to me. 

On the Equifax report my name is incorrect with various errors, XXXX of the XXXX formerly known as, is the correct name ; the current address is mailable but the other XXXX are non-mailable addresses. 

On the XXXX report there are XXXX names with only XXXX being the correct one ; XXXX address is mailable and the other XXXX are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other XXXX do not belong to me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I pulled my credit reports on XXXX from TransUnion, XXXX, and XXXX. 

On the TransUnion report my name is correct but the 3 AKA 's are not ; on the addresses, the current address is mailable but the other 8 are non-mailable addresses ; the only phone number that is currently in use is the first one, the other 8 do not belong to me. 

On the XXXX report my name is incorrect with various errors, 1 of the 2 formerly known as, is the correct name ; the current address is mailable but the other 6 are non-mailable addresses. 

On the XXXX report there are 10 names with only one being the correct one ; one address is mailable and the other 4 are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other 2 do not belong to me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : 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 2024-01-11
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 (PR)

Greetings, I have an ongoing issue with receiving my vehicle title from Toyota Financial Services. I own a XXXX XXXX XXXX and it was paid off to TFS in XXXX XXXX XXXX. During that period I submitted requests for a change of address prior to payoff to avoid being mailed to the incorrect address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My vehicle registration was not due during transfer and came due around the time I paid off my vehicle. So during this period I was trying to manage correcting my address on my vehicle registration which is in XXXX, with a XXXX  Drivers License, and just XXXX  to XXXX XXXX. All I needed TFS to do was change my mailing address on file and confirm that my title would be sent to my residential address in XXXX. This was during XX/XX/XXXX into XX/XX/XXXX. I submitted a couple tickets for this issue and spoke to representatives and nothing got taken care of. One of the tickets and responses from the CSR was that since Im XXXX  in XXXX  I would have to talk to Toyota XXXX XXXX XXXX regarding this issue. This is absolutely not the case. XXXX  has nothing to do with my loan and title of the vehicle. Another response to my ticket from a CSR was that I would need to contact XXXX  because that is where my vehicle is registered. Still not the case. My loan is financed through Toyota Financial Services and my loan is paid off. Everything was up to date on my TFS account and profile and nothing ever happened to my request. Fast forward a year down the road because of other things we encountered during our time, we were buying a house and moved twice and dealt with a hurricane in XXXX. 

Its XX/XX/XXXX into XX/XX/XXXX and I am in Receipt of XXXX XXXX XXXX. I can not XXXX XXXX XXXX XXXX XXXX XXXX  without my title since it is no longer financed or liened. In order to ship it there I needed letters from Toyota stating I was able to ship it to XXXX. The same goes for XXXX XXXX XXXX XXXX XXXX, it will not clear the XXXX. 


I again contact TFS and bring my issue up again and the agent says hes not sure what happened and why my title was never processed. I can log in to my account and view the status of my ticket and it shows paid off and account closed, but just shows pending under Title Processing. This is unacceptable. He says he will submit another request to have this addressed and will speak to his supervisor to have this escalated and expedited. I call every couples days and receive the same response. Im reassured that when it ships it will ship as XXXX XXXX. But it still hasnt shipped. This level of customer service is unacceptable to say the least. I need appropriate action to receipt my vehicle title and I need to clear my vehicle XXXX XXXX XXXX  in preparation for XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

XXXX XXXX XXXX XXXX XXXX XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account XXXX XXXX XXXX XXXX XXXX Recently they added a balance owe as well.This is a form of XXXX to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

They reported a public record in my credit file that did not belong to me I sent a letter to the XXXX XXXX XXXX  asking for the contract in my name to support the listing on my credit, but it has been more than 30 days and they don't answer like law say. I asked Transunion to investigate and delete this from my credit report for violation and they didn't answer my dispute.
Consumer complaint received 2024-01-08
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. (PR)

Transunion LLC ones again violated my rights by not providing documentation to support the negative information in my consumer report. Those negative transactions are affecting my credit and are affecting the well-being of my family. The dispute was sent on XX/XX/XXXX and the result only took 20 days.It is impossible to do a serious investigation in so few days.In addition What was the documentation they analyzed to conclude that the information is accurate? Why wont provided me copy of those documents? Below copy of the result of the investigation Report XXXX XXXX. 

" Report Created On : XX/XX/ File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute. 
We investigated the information you disputed and updated : Not Specified. Here is how this item appears on your credit report following our investigation. 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX ''
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

Hello, this is in adittion to a complaint I made before under # XXXX for the same reason. I just contact the bank to check on another charge on the account for {$35.00} that wasnt supossed to came through as i requested an stop payment on XX/XX/XXXX and again on XX/XX/XXXX, beside the stops that i requested since XX/XX/XXXX. The dispute that i asked to be cancelled still open as of today. The result of this is that now I have to pay {$35.00} on money that I havent spend and have to wait 5   more days for the transaction to be posted. I told the representative that I will not pay any more charges cause I already payed XXXX on money that wasnt mine. The representaive told me that the account will be charge off and may affect my credit if I decided not to pay the amount of $ XXXX told the representative that practices are completly illegal, but he just agreed with me and told me that his hands are tied. This bank has been abusive with me and have taking advantage of the passing of my mother, that Im a XXXX person who defend himself with the little english that I know, that I will do everything to protect my credit score, so they just keep making promises that they cant fulfill.I feel trap in this endless loop that I have to keep paying money for things that wasnt mine.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

1. False advertising : See the hiperlink : a. Credit Card : XXXX XXXX from Capital One b. They Advertising : XXXX XXXX XXXX - Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first three months from account opening - Purchase Rate 0 % intro APR for 15 months ; 19.99 % - 29.99 % variable APR after that 2. They don't give me a {$200.00} introductory offer bonus for spend {$500.00} in the first 3 months after opening the account. And also do not give an introductory interest of 0 % for for 15 months on purchases/ 3. I Actually spend in purchase {$1200.00} and they charge me {$31.00} of interest.
Consumer complaint received 2024-04-11
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. (GA)

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. 

has violated my rights. Or a 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 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

I filed a police report at my hometown Police Department about a Credit card never received with USAA. Police report # XXXX then I submitted a claim with FTC and it was erased. Then i received a letter from USAA stating that they needed my signature to let the credit companies know about the situation and then suddenly the debt appeared again.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (PR)

I've been getting collection letters from different debt XXXX for the same debt thru out 2023. These are XXXX and recently Cavalry SPV I LLC. On XXXX and XXXX of 2023 I've been requesting the following : XXXX XXXX XXXX. Said agreement must be with the original creditor and signed by all parties involved. 
Proof that they are licensed to collect debt. 
They respond by sending a copy of an Account XXXX of the original creditor that I don't recognize. Plus they also state that they will continue collection efforts.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is # XXXX XXXX