davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (OR)

This company does not respond for customer service at all. I have done EVERYTHING... 
email, call, leave message on the support tab online, tried resetting my password, left messages for them on social media ( XXXX, XXXX and XXXX )... 

It says that I am locked out of my account, i need to reset my password, I submit to reset my password and it will not let me access it.. .they NEVER send me a link or an email to reset it. 

I have done everything, I need to update my bank info to make a payment but I can't even get into the app. BeforeI logged out ( trying to get the app to work ) it would let me log in but it would NEVER load. There was no way to see any of my information. 

Now I have a payment due and it's going to be late and it'll affect my credit because they can't help me! This is absolutely ridiculous and this company needs to be stopped. I shouldn't be treated this way and I need to make payments!
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: True Link Financial, Inc. (GA)

I am very concerned about the security of this company being that when I received my new card tried to activate it but in my info to do so it then gave me another person info including all info addresses with apartment numbers everything..this shows that this company doesn't have the required security in place which is required to have but yet they want to charge a service fee for this I am appalled they do not have this in place but charge ppl for service my info could be out there like I heard this young lady info
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (RI)

I was trying to do a deferment on my loan with Santander and keep telling me no all i have wanted is to move XXXX missed payments to the end of the loan and was told i couldn't this is not fair to me. I'm working on trying to fix my credit and can't because they keep reporting im XXXX days late.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. Wells Fargo has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

REJECTING PayPal Credit answer or response because it is a bogus answer or response and is not attached with any proof of Software received by the merchant to have any such charge on my statement they are trying to submit as a valid statement. 

PayPal Credit was supposed to have directly contacted PayPal and shared the dispute with them as you can see they did not but wish to make a statement on behalf of PayPal. 

Send proof of merchandise received and the time and date of receipt of the merchandise. If you can not ( PayPal Credit ) then your act or actions are fraudulent to the point that I am not going to pay for something or be bound to you or anyone for something that I did not receive. 

Billed your merchant and report such to the credit bureau on your merchant. 

You are trying to use these undercover methods and ways thinking that you are going to scare me and place my credit score at risk for something that you failed to do and failed to obey and understand the regulations. Once again, I am REJECTING your response to the CFPB for it is insane for you to think that I am going to pay you for something that I never received and I timely and effectively reported to you over a year ago before filing this complaint with the CFPB. 

This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX Dear PayPal and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXX PRIVATE LIMITED XXXX XXXX XXXX XXXX B INFOWAVES PRIVATE LIMITED The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Fact, 15 USC Code 1681 N, says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion.

Fact, Transunion is aware and has proof in attachment labeled as Exhibit A that Transunion is in violation of : 15 US Code 1681 N ( B ) 15 US Code 1681 N ( B ) Fact, Transunion is aware and has proof in attachment labeled Exhibit A that Transunion is in violation of 2 Federally Protected Consumer Rights willfully and knowingly, so they are civilly liable. 

Transunion has furnished information, an inquiry, on my consumer report that isn't in accordance with my consumer law.
Consumer complaint received 2023-02-06
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. (MO)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXXXXXX XXXX XXXX  ; XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$53.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-27
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. (NH)

Complaint summery Experian has failed to respond to written disputes in 30 days. Experian has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Consumer complaint received 2020-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I recently purchased a copy of my credit report where I found several error I called the credit reporting company as was told I couldnt dispute several items this is a violation of my consumer reporting rights Accounts in questions are below along with the errors 1 ) XXXX  XXXX XXXX Account status states 62 to 90 days this is not true account was always paid on time and the history listed on the reports shows on time payments the account status is clearly a error 2 ) XXXX  XXXX XXXX XXXX # XXXX Account status shows 120 days this is not true please verify account balance and history 3 ) XXXX # XXXX**** Balance shows zero history shows paid and closed however account status states 61 to 90 days Please correct Also I didnt and have not applied for credit with following companies and wish to have inquiries removed ASAP XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really upset and puzzled to find unauthorized inquiries on my credit report tonight. I check my report often, and these discrepancies suddenly appeared out of nowhere. I refreshed my browser, thinking it might be an error, but the inquiries stayed. I urgently ask that my documents be carefully reviewed so I can have peace of mind.
Consumer complaint received 2021-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (TX)

I re consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (WI)

Early Warning Systems is reporting that my XX/XX/XXXXbank account was closed due to " checking account fraud. '' I contacted Early Warning Systems twice in writing about this to dispute the report but they claim thatXX/XX/XXXXXXXX XXXX verified it as accurate the first time and declined to reinvestigate it the second time without new information. XX/XX/XXXX Reports that I committed checking account fraud and that my account is " unpaid. '' I have never committed any fraud and I don't owe them any money. They also report a different driver 's license state and ID # on file for me. I have a Wisconsin driver 's license and they show a California driver 's license on file. Although I provided a copy of my Wisconsin driver 's license to Early Warning Systems, they refuse to investigate my claim without new evidence. EWS states thatXX/XX/XXXXverified the information they reported. 

I contacted the consumer protection department at XX/XX/XXXX to request documentation or to confirm the reason for the closure of my account but they refused to send me any documentation. I also requested that XX/XX/XXXX correct the report but they declined. The agent only stated that the bank made a " business decision to close the account ''. 

I'm unable to open a new bank account as a result of this reporting.