davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, 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. (CA)

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX  Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Coaf Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-28
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. (CA)

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX  XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.
Consumer complaint received 2022-01-15
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. (CA)

I have tried to reach out to the credit bureau regarding the two accounts, XXXX & XXXX, due to the large amount of inconsistent & inaccurate information that is on my reports. I have requested that these accounts be deleted from my Experian report but I continuously receive responses that the information has been updated instead. The information is never updated completely and there are still inaccuracies across all bureaus with both accounts. Which is why I have always requested for the REMOVAL of both accounts, but I am continuously disregarded when requesting this. Please remove these accounts from my credit report that are showcasing completely inaccurate information across every credit bureau. This is hindering me from progressing to the next level personally and with my business, because of these accounts and the incorrect information that creditors are seeing on these accts when pulling my reports.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Dear CFPB team, Our company took over a lease from an individual of XXXX XXXX XXXX, which came into effect in XX/XX/XXXX as signed by Toyota Financial Services agreement. As a part of the lease transfer deal we obtained a fuel card worth {$15000.00}, which was assigned to the car at the moment of the lease transfer and worked fine, and we used this car to fuel the leased vehicle. 

As of XX/XX/XXXX the fuel card stopped working ( due to Toyotas internal card provider switch ), and when called Toyota Brand Engagement Center that handles Toyota Mirai we were informed that the card is non-transferable to the new owner, and this is the first time we learned about it. 

We opened a complaint case number with Toyota Financial Services ( Case # XXXX ) and with Toyota Brand Engagement Center ( Complaint # XXXX ) but didn't receive a positive outcome to resolve the case. 

Toyota XXXX XXXX center XXXX Specialist by name XXXX informed me on XX/XX/XXXX that fuel card 's non-transferable status is printed on the card, and while this is indeed the case ( in small print ), we didn't know about this from the lease transfer agreement at the time of its signing. The fact that the card was fully operational until Toyota moved to ta new card provider on XX/XX/XXXX also proves that the card was effectively transferred for our use 100 percent. 

I argued with XXXX that " non-transferable '' status makes sense in a way that it is non-transferable to a different car, because it was originally assigned to the same car we took over as a lessee, and there was no documentation available that the card was non-transferable to a new lessee in the lease agreement or anywhere else. 

Remaining value of the fuel card 's balance is at least {$7500.00}, and we as a new lessee would like to seek compensation from Toyota for lost value as we assigned this value to the lease contract when we took over the car lease.

Please kindly help us get Toyota to bear full responsibility for their covert actions to strip our company of at least {$7500.00} value in our contract and pay us this compensation in full by a check or other means. 

Thank you. 

Dear ___ : We appreciate you taking the time to contact the Toyota XXXX XXXX XXXX. We are dedicated to providing superior service. Your case is filed at our headquarters office under your name and file XXXX. 
If you require further assistance, please contact us directly at XXXX. Our hours of operation are Monday through Friday from XXXX a.m. XXXX p.m. XXXX, and Saturday from XXXX a.m. XXXX p.m. XXXX. 
Sincerely, Toyota XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

In XXXX, 2016 I received a credit card statement from XXXX. I never opened a credit card with this store and tried to call the number on the statement. It was an automated system and I could never reach a person. I also wrote to the company to explain that this was not my account. I continued to receive statements and filed a police report for fraud. I also requested a copy of the original application for this credit card ( since I did not apply for it ) but I never received it.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (VA)

Phone number XXXX has repeatedly called, robot picks up and says no one is Available to answer. 

If I dont pick up, they leave a voice mail that has No message, and generally only tends to say XXXX and cuts off. 

Has texted me from suspicious spam like numbers and links that do not seem legitimate. 

No idea what this is about. 
There is no information provided. 

Ive responded to texts and calls saying please dont call or please send me verification of debt. 

There is absolutely no human response Ive received for the past year theyve called. 

There was never any formal contact or communications sent to me except frequent spam like calls, that end with robots that answer that repeat a phrase and never actually responds, leaves spam like voicemails. Never no actual intent on communicating
Consumer complaint received 2020-07-28
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. (CA)

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2022-02-17
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC (TX)

I've received 2 statements from " SO Mosaic '' / " Mosaic '' dated XX/XX/2024 and XX/XX/2024 with a " XXXX XXXX  Balance '' of {$9600.00}, and a " Loan Balance '' of {$6700.00}. I don't have solar panels on my house, never have, and after this, never will. 

Their return address is a XXXX XXXX XXXX in XXXX, AZ, and a payment address in XXXX, AZ When I looked them up online, the address shows them in California. 

I contacted the company, and provided the loan number that was on the statement. I requested information about this loan, but they refused to give me any information unless I provided my SS # and DOB. When I asked for a supervisor, they also refused to transfer me, and then hung up on me.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

* XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I XXXX XXXX XXXX XXXX XXXX ( XXXX ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX : XXXX, ( XXXX  ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by Equifax. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information, confirmation id # ( XXXX ). I am aware as a consumer Equifax is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$14000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the ID number for the removal of inaccurate information. Id # ( XXXX ).
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/XXXX and XX/XX/2020, my Google Pay account was illegally accessed and used to transfer over {$1200.00} USD ( in two separate {$600.00} transactions ) using a XXXX  XXXX XXXX XXXX XXXX that was attached to my account to an anonymous google account that has now been deleted. ( Screenshots attached ).  Within 5 hours of these transactions ( I didn't receive a confirmation email until 10 DAYS later on XX/XX/2020, after which I suddenly in minutes got a decision ), I changed my password and informed Google Pay about the issue and filed for a case TWICE ( screenshots attached ). I also chatted with over 5 representatives that FALSELY claimed that my money was HELD and would be sent back to my bank account. However, with hardly any investigation, Google Pay  informed me that they can not issue a refund and that my money is no longer available and that the case was not decided in my favor. Just like that, in seconds I had lost {$1200.00}. I went ahead and filed a case with my bank on the issue, which yet again resulted in Google Pay getting back to me today AFTER 3 MONTHS on XX/XX/2020, that the transaction can not be reversed ( screenshot attached. ) The google account the money went to is now permanently deleted and can not be accessed. They couldn't even stop the hacker from withdrawing the funds. 

It is evident that Google Pay does not protect its dedicated consumers even though I've been using it for the past 4 years and IMMEDIATELY reported the issue. They are UNABLE to regulate their own payment platform even if the reported account has been reported for illegal activities.
Consumer complaint received 2018-05-03
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. (NY)

I just received and updated credit report from XXXX and transunion. I am submitting this complaint because XXXX is still reporting XXXX XXXX/XXXX on my credit report. I received a confirmation letter from XXXX that this account was fraudulent and they are advising all 3 credit reporting agencys to remove this account off my reports. It is still reporting I am also complaining about teachers federal credit union that was deleted off my transunion credit report but is still reporting on XXXX. I have been dealing with this issue for months now as this negative information that dont belong on there is affecting my credit score. XXXX I feel does not do complete investigations because if they did they would have received the same response as transunion did to delete off my report.
Consumer complaint received 2022-01-15
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: Checkr, Inc (TX)

XXXX has falsely and unlawfully placed a " Consider '' remark on my report. I have sent documents to XXXX to support my claim yet the company refuses to update my report. I have attached documents to this claim along with XXXX 's Report.
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.