davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on my account.
Consumer complaint received 2015-06-24
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Delbert Services (VA)

I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX
Consumer complaint received 2022-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
Consumer complaint received 2018-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Southeast Finance Inc. (CT)

When representative came my home to explain the manner in which the services work and what the process was. I was never told that I had only 5 days to cancel the agreement on the loan agreement we made. I found out soon after that this college program was a scam, and that they received kickbacks for the loans from the agreements and the loans they made people sign under false information. When looking further into the details, there was several class action suits filed against this company and the college. Upon learning that i had had only 5 days to cancel, and being out of that time frame a month in, I decided to keep paying due to the lack of knowledge of the suits being created against them. The company that created the loan on behalf of the college was given under false pretenses, and gave no other borrower time to figure that out and cancel the loan they made us sign up for. I would like to be removed from this responsibility, under the premise of being given false information and never give the proper time frame on which to be able to cancel the loan.
Consumer complaint received 2018-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

On Friday XX/XX/XXXX I called Bayview Loan Servicing to make a payment. There was money in a suspense account. The original payment amount is {$580.00}. In the suspense account there was {$290.00}. Bayview told me I could make {$280.00} which is the difference between the original payment amount and the suspense fund. Twice on Saturday I received a call from Bayview wanting payment and my ex husband said they called him 3 times. On Sunday I received a phone call and so did my ex husband. This has got to stop and I will call them on Monday and complain.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a consumer cellular phone they claim I owe them money which records show I paid in full but the reported it to the credit report a collection I paid the account in full again see attachment but it still on the report as unpaid I have sent proof over and it was paid including a letter from consumer stating its paid in full, also proof the XXXX XXXX is paid in full but still not up dated on the three crediting reporting
Consumer complaint received 2021-03-24
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: Resurgent Capital Services L.P. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

I have a so-called debt from Blakely Witt and Associates out of XXXX TX. That claims that I owe them {$4200.00}. This is a debt that I do not recognize or even know where it originated from I can never seem to go through to these people. When I ask them to validate a debt its like they refuse to do so. 

I have never even done business with Blakely-Witt and Associates. Little on created a {$4200.00} debt.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Received a text message about an hour ago to login to my Citibank account. 

Logged into Citibank and found that I had a 50 day old bill due for an annual fee of {$95.00} for a card I don't use anymore - didn't receive any calls, other texts, or emails related to this. 

Called Citibank twice to get a CSR ( likely from a call center in XXXX ) and I told him that I never received these statements - looked in Spam folder, and all Citibank emails were being sent to Spam folder. I told him that I wanted to cancel my card because I didn't want to pay the {$95.00} annual fee since I no longer use this card. He processes the cancellation and then says I am still on the line for the {$95.00} ; however, it will be prorated. I ask him how much it will be, but he said he couldn't tell me because the system generates this. I ask to speak with his manager, I wait 5 minutes, and he says the there isn't one available and hangs up on me. 

I call Citibank again and speak to someone who sounds like they're based in the states. The CSR tells me immediately she'll try to get ahold of someone who can resolve this and tell me how much I owe. I want 25 minutes for her to find someone ( one of them was a colleague, again based out of XXXX, who said he can not help because this is a Business account ). She finally patches me through to someone in Customer Service who says since I'm outside of the 60-day window, I have to pay the entire {$95.00} as the system will not allow a credit and that they got rid of pro-rating annual fees entirely some time ago.
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to investigate this account below : XXXX XXXX XXXX XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2019-05-13
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: U.S. BANCORP (CA)

Elan Financial is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I went on line XXXX to receive my free annual credit report from XXXX, and was told that my report was not available at his time and to check back at a later time. I then went on line to the three other reporting agency and my report would not come up on my computer screen, even after opening accounts.I'am in XXXX on XXXX XXXX, do you think that could be the problem. I'am trying to change bank accounts, and having a hard time for some reson. That is way I need a copy of my credit report, to check for problems on my report. I have not have any credit activvity on my report for over the last XXXX to XXXX years. Any help would be greatly appreciates
Consumer complaint received 2024-02-21
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. (FL)

XXXX XXXX, XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX  ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

NO ONE EXCEPT MYSELF CONTACTED PAYPAL OVER THIS DESPUTE AND PAYPAL NEVER OBEYED THERE OWN POLICY TO INSURE MY MONEY THUS WILLINGLY DEFRAUDED ME. I HAVE ALL RECORDS : Case 1 of 6 - Scammer : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXX Money Sent - {$40.00} Case 2 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$30.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Monday, XX/XX/XXXX Transaction amount : {$30.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 3 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$50.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$50.00} USD Your conversation with X X XX/XX/XXXX at XXXX AM EST This person is a scammer, i want ALL my money back. 
This case is closed Case 4 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$200.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Friday, XX/XX/XXXX Transaction amount : {$200.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 5 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$25.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$25.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer. I want ALL my money back from them. 
This case is closed Case 6 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Refund requested : {$750.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Thursday, XX/XX/XXXX Transaction amount : {$750.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST Every time money was sent to this person, they scammed me. I want it ALL back. 
This case is closed
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix.

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help.

I have contacted TransUnion 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name.

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
Consumer complaint received 2020-09-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the XXXX data breach occured and I was afraid my information may have fell into the wrong hands
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " TOYOTA MOTOR CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " TOYOTA MOTOR CREDITY '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to TOYOTA MOTOR CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested TOYOTA MOTOR CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

TOYOTA MOTOR CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " TOYOTA MOTOR CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2017-12-05
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: VW Credit, Inc (FL)

I have a hard inquiry for VW Credit XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank/WalMart charged off my account and I paid the account in full. They are still reporting on my credit that they charged off {$1200.00} after I have disputed it and paid the balance in full.
Consumer complaint received 2024-02-21
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 review my consumer reports and noticed that I had four late payments on an account for which I was never late. Consumer reporting agencies play a crucial role and have the responsibility to report consumer information in the best possible way, with maximum accuracy. I have never been late on payments for the accounts included in the attached complaint with screenshots on the dates [ XX/XX/2019 ]. Please investigate and provide evidence with statements showing that these payments were made late. If proof can not be provided, I demand that these payments be updated as paid as agreed and on time, as I was never late. Thank you! Attached is a screenshot for your reference.