davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/2019 Subject : FORMAL COMPLAINT AGAINST Transunion To whom it should concern : I reserve all my rights including but not limited to rejecting, disputing and complaining about the following statements by TranUnion credit bureau I reference to a CFPB case XXXX Against this same credit bureau : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/2019 and XX/XX/2019 XXXX XXXX, # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. According to our records, you have a pending investigation which will be completed on/or before XX/XX/2019. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. In reference to acct # XXXX : TransUnion stores information which is supplied by creditors who subscribe to our services, and TransUnion has certified the accuracy of their information. Creditors usually report account information to us through computer tapes. New accounts may take four to six months from the opening date to appear on a credit report. If you would like a specific creditor to report account information to TransUnion, you may wish  to contact them directly. If the creditor is a member of our services, you can request that this creditor voluntarily report the account information to us. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XX/XX/XXXXXXXX XXXX  ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 
XXXX - - I disagree with TransUnion XXXX TransUnion Insisted to keep incomplete and/or inaccurate information on my credit records it administers and by that TranUnion violates the FCRA, applicable consumers rights and in a reckless manner. I reserve all my rights including my right to sue TransUnion for priceless damages and losses caused by its involvement in violating many rights of mine asserted by FCRA and other laws. 


Thank you, The plaintiff XX/XX/2019 **All stated herein is to plaintiff current states belief knowledge and understanding and it is all subject to any change or correction or anything and only by him or his counsel or representative and without any notice and without waiving his rights. Notice of Confidentiality : The information contained in this transmission is privileged and might not be used in any way and for any purpose and by anyone other than the plaintiff or his representative.This transmission is protected under the Privacy Act. 
XXXX XXXX All Mr. XXXX rights Reserved.
Consumer complaint received 2018-12-11
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. (TX)

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
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. (TX)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
Consumer complaint received 2018-12-11
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. (NC)

During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

I cancelled my monthly home security service monitoring in XX/XX/2017. The monthly bill was auto pay for {$59.00}. 
After cancellation, I kept getting bills from XXXX XXXX XXXX. I called them, explained that the service had been cancelled. The representative apologized for the issue and told me she researched the problem and was going to credit the bill and that I would not have any additional issues. 

I am still getting debt collection notices for the cancelled service, even after XXXX XXXX XXXX assured me the error was corrected. Please see attached.
Consumer complaint received 2021-02-10
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: CITIBANK, N.A. (VA)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITI CARDS CBNA, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2018-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

I made several payments on my account in XXXX, XXXX and XXXX that wasnt applied to my account. I have sent bank statements per their request over the period of 5 months to get this issue resolved. I keep on getting the run around from customer service reps saying that they dont have it for me to send it over and over again. Then they stated they do have it but need a statement with my account number, which they have, the date of the transaction which they have and the rolling balance which they have. Even my bank called in to confirm that the charges were there. Now they repossessed my vechile and is holding it hostage until the issue is resolved. Now my car is up for auction. In addition I paid {$560.00} in a rental so I can get to work that I can no longer do and can not return to work until this is fixed. Please handle and return my vechile.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is reporting inaccurate unverifiable information on my credit report. Experian is reporting a Chapter XXXX Bankruptcy in my public records that has not been 100 % properly verified. After conducting a reinvestigation from my last dispute Experian stated in their result finding that they have contacted the public record vendor ( US BKPT CT IL XXXX ) to verify the disputed Bankruptcy is reporting accurately. 
I have reach out to the ( US BKPT vendor ) with the contact information given to me by Experian and this vendor has confirmed that they DO NOT report this type of data to credit reporting agencies. They also confirm that they do not have any information on me at this time. Experians method of verification for public records is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate chapter XXXX bankruptcy has been deleted from my other credit reports. Please see attachment.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

XX/XX/XXXX My money was stolen and used to make money orders that were transferred else where. I contacted MoneyGram, the company that transferred the transferred the funds as well as the company to which the money orders were drawn on. the representative refused to help me and deleted my MoneyGram account, thus destroying the history of these transfers. the money orders were stolen to begin with I never authorized the use of my information or funds to create the money orders. the money orders were purchased from XXXX  XXXX in XXXX XXXX, LA, I was able to obtain receipt copies of the purchase. XXXX  XXXX was unwilling to provide any assistance other than the copies of the receipts. There are six money orders in totaling which add up to the amont of {$2500.00}. I filed reports with the police as well as FTC, which announced that MoneyGram will have to begin to reimburse consumers, for facilitating fraud and allowing money to be displaced. All and all the receipts are as follows all made on Terminal XXXX : {$500.00}, {$500.00}. {$490.00}, {$490.00}, {$490.00}, {$10.00}. 
On XX/XX/XXXX I sent an email to MoneyGram about this again, and filled out a Money Order Search document, and was charged {$40.00} to try to located the fraudulent items which were created from money stolen from me and were transferred to someone own to me.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : XXXX XXXX XXXX, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -
Consumer complaint received 2018-12-11
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. (FL)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, what's even worst, the account is reported twice on my credit report
Consumer complaint received 2018-12-11
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. (FL)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report
Consumer complaint received 2018-12-11
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. (FL)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report
Consumer complaint received 2018-12-11
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. (GA)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.
Consumer complaint received 2018-12-11
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)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
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. (CA)

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and XXXX and Transunion have done nothing. 30 days have passed and I sent my second request to XXXX and Transunion and 30 days have passed again and XXXX and Transunion has again done nothing which is why I decided to come here for help, please help me.
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # RPPJ**** XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date XXXX : XX/XX/XXXX - Experian XXXX XXXX- Date Inquiry : XX/XX/XXXX XXXX Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below 600 credit score bad. I really need help with this. Its preventing me to live my life : (
Consumer complaint received 2018-12-11
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. (NV)

I've been trying to get access to my credit score, but everytime I do, only XXXX, and XXXX are able to give me my score. I've tried to call Equifax and they always tell me that they couldn't access my account and to send a copy of my social and a copy of my ID. I've sent it more then 10 times in the last 3 weeks. I need to buy a house soon and this is the only thing holding me back. Im getting to the point where I want to sue them for negligence.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I have sent in XXXX/XX/XX/XXXX payments and XXXX XXXX has not cashed my checks. I tried to call them and got recorded message they are not accepting calls. When I checked the internet to see if they were still in business it indicated that XXXX XXXX closed effective XX/XX/XXXX to contact a number that is listed for XXXX. When I called the number it was Resurgent spoke with XXXX XXXX on XX/XX/XXXX he confirmed that XXXX XXXX closed effective XX/XX/XXXX. I advised that I have not received any letters or documentation of this. He directed me to contact new servicer XXXX, XXXX, XXXX XXXX XXXX. Who are these people? Are they going to steal my money like XXXX XXXX? Why are these companies/lawfirms sending letters notifying customers? I need debt validation letters from Resurgent and the new servicer. I need proof.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In my review of my credit report on XX/XX/2018 Portfolio recovery association is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Consumer complaint received 2018-12-11
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. (OK)

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX automotive account appears to have been closed. 

There should have not been anything allowed to be processed on my credit file because it was frozen and i have NEVER done business, nor heard of the first two companies listed. The third account was closed as Fraud but also listed as CLOSED which is incorrect, I  have called and disputed with Trandunion, as well as disputed online. Police reports have been filed, i filed an identity theft report with the FTC ( at their suggestion ) and also placed a fraud alert on my account, The security freeze was lifted, there is no fraud alert on my account ( The other two CRA 's did it the same day it was requested ) and whoever has access to my information is still being allowed to drag my score down,
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (SC)

I have received ( 3 ) unsolicited debit cards since XX/XX/21 from XXXX. 2 were Flareaccount cards and 1 was XXXX.