davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ATLANTIC UNION BANKSHARES CORPORATION (NC)

Regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia  Now union bank and trust I sent a letter into the office of comptroller for currency in late XX/XX/XXXX regarding this existing problem They sent me correspodence on XXXX XXXX via email that they had referred my situation to the cfpb but no record of it on my file Regarding accountability of where my deposited funds are located or was sent or transferred. 
I have check the unclaimed division s of the US treasury no record of the accounts being sent to them In XXXX I deposited XXXX XXXX XXXX   proceed check from the sale of my residence at XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX At the time I handed my proceed check of XXXXXXXX XXXX  to the XXXX XXXX  manager on duty. 
She said we are rich? Whatever that meant.. 
Plus I deposited approx XXXX XXXX XXXX from XXXX ( From XXXX XXXX  XXXX checks from a car accident in XXXX XXXX while at work at XXXX XXXX ) In XXXX north Carolina close to where I lived at XXXX XXXX XXXX XXXX Virginia Off of XXXX XXXX. And XXXX XXXX I went to get some of my monies and I was told I had no account in approx XXXX I have called I gave sent letters to XXXX XXXX XXXX And numerous emails to XENITH Union bank XXXX XXXX  XXXX XXXX And of recent I spoke to XXXX at Union Bank and trust on XXXX XXXX And he said he was going to transfer the details again to their servicing department to SEARCH for where my funds went. still no response to date I recently sent A sworn notarized statement to bank of XXXXXXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX Virginia Stating under oath that I did not receive any monies back from the XXXX XXXX proceed check account No response
Consumer complaint received 2019-09-30
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. (TX)

FIRST, I was an XXXX Data Breach Victim. XXXX   has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against XXXX and TRANSUNION ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. TRANSUNION and XXXX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for XXXX and TRANSUNION to follow XXXX 'S example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.
Consumer complaint received 2018-04-03
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. (MD)

I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
Consumer complaint received 2018-04-09
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. (NC)

My complaint is with the Credit Bureau XXXX, Experian and XXXX. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Consumer complaint received 2023-04-07
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. (OH)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (PA)

I received a letter from the Pressler group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible XXXX  daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.
Consumer complaint received 2018-04-09
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. (NC)

My complaint is with the Credit Bureau XXXX, XXXX and Transunion. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Consumer complaint received 2023-04-07
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)

XXXX XXXX XXXX XXXX XX/XX/22 Fruadulant activity Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-12
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-04-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

After paying Experian 's website a fee and answering all of the required questions to verify my identity, I received a letter stating the following : " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible. '' Please not that the letter that I wrote to dispute an inaccurate item on my credit report was written in print not in cursive form. 

The reference number given to me by Experian after paying to receive my credit report is as follows : Reference Number : XXXX The item that I am disputing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Any assistance that you could provide me regarding this matter will be greatly appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-04-07
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. (NV)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (FL)

-- i needed a loan and was approved for {$1000.00} at {$280.00} a month for 9 months as i was told over the phone -- -- i knew this was excessive but i had an emergency and need funds quickly -- -- -- -now the company is taking {$230.00} every two weeks for 18 weeks -- this is an insane amount of money for such a small loan and i feel i was taken advantage of -- -and lied to on the phone -- i need help -- i have XXXX   children in colledge and i dont know what to do -- -- -I recieved the  funds on XX/XX/2019 {$260.00} with drawn from my account on XX/XX/2019 -- only {$4.00} towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- only XXXX towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- -only {$5.00} towards principal
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX. present address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut. XXXX I called Wells Fargo Dealer Services on several occasions to XXXX. XXXX. XXXX discuss this issue. My last contact by phone was on XX/XX/XXXX. I explained that the loan was charged off in XX/XX/XXXX and is showing on my credit as a bad debt. I immediately asked for the title to be mailed to me explaining its been 2 years since the charge off and I needed the title. The representative told me this could not be given and I needed to make arrangements to pay my balance of XXXX. 
Every time I call Im treated terribly. I stressed how this was ruining my credit. I mentioned how they were falsely charging me insurance fees with interest which they admitted to doing. I was compensated with a check of XXXX. However, the interest was never adjusted off the loan. Now the car has a transmission problem, after expensive repairs, etc its not driveable. I would like to junk the car and settle all expenses as Im still paying for insurance, taxes, etc. Wells Fargo Dealer Services are very abusive, rude, and intolerant. I am not able to communicate with anyone at this company. It is horrible! 

The car is a XXXX XXXX XXXX XXXX. Documents are attached with Vin #. I can be reached by email to XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

I PURCHASED MY VEHICLE XX/XX/2019, I WENT THROUGH XXXX AND HOT WATER TRYING TO GET MY CAR. THE FINANCE MANAGER SOLD ME A 5 YEAR EXTENDED WARRANTY FOR MY CAR. XX/XX/XXXX I STARTED HAVING ISSUES WITH MY CAR AND I CONTACTED THE WARRANTY COMPANY AND I WAS TOLD THAT I ONLY HAVE A 2 YEAR WARRANTY. I PULLED OUT MY PAPERWORK TO REVIEW ALL OF MY DOCUMENTS AND I NOTICED THAT NEITHER WERE THE ORIGINAL PAPERS AND THEY ONLY GAVE ME COPIES UPON THE DELIVERY OF THE VEHICLE. I HAVE CONTACT XXXX XXXX XXXX XXXX XXXX IN REFERENCE OF THIS MATTER AND NO ONE HAS CONTACT ME BACK AS OF XX/XX/2019. I TALKED TO MRS.XXXX MY CAR SALES PERSON AND SHE SPOKE TO XXXX THE OTHER FINANCE MANAGER BECAUSE XXXX WAS OUT SICK AND THE FIRST THING THAT HE STATED OUT OF HIS MOUTH IS THAT THEY DO NOT COVER ELECTRICAL ISSUES AND NOT ONE TIME I SAID ANYTHING ABOUT AN ELECTRICAL ISSUE, AFTER THAT I HAVE BEEN AFRAID TO PARK MY CAR IN THE GARAGE BECAUSE AFTER DRIVING MY CAR THE ALARM WILL SOUND OF AND REPEAT EVERY OTHER HOUR. MY NEIGHBORS HAS FILED A COMPLAINT WITH THE HOMEOWNERS ASSOCIATION AND IT IS  EMBARRASSING. I PAID XXXX FOR THE WARRANTY AND THE PAPERWORK THAT HAS MY SIGNATURE STATES EVERYTHING AND THE PAPERS THAT WAS DELIVERED TO ME DO NOT HAVE MY SIGNATURE. I HAVE ALL OF MY CONVERSATIONS RECORDED TO BACK UP EVERYTHING THAT I AM STATING AND I JUST WANT TO GET THE MATTER RESOLVED ASAP.. 

XXXX XXXX XXXX XXXX XXXX XXXX reviews XXXX dealer in the XXXX XXXX, Georgia Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX You visited in XX/XX/XXXXHours : Open Closes XXXX Phone : ( XXXX ) XXXX PLEASE HELP ME WITH THIS MATTER.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (NY)

I disputed 4 accounts with Experian and sent them letter by certified mail on XX/XX/2019. The accounts in question were from XXXX and Experian received the letter on XX/XX/2019. I received a response from Experian dated XX/XX/2019. I only received investigation results from 1 account with XXXX in which they reported was deleted from my credit report. I did not receive any results for the 3 other XXXX accounts that were disputed. Today is XX/XX/2019 and it has been over 2 months without a response regarding the disputed accounts.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (WI)

AD ASTRA RECOVERY SERVICES {$780.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this three account that I am not aware of, I tried to dispute it, and request for debt validation to proof that the accounts really belongs to me. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.
Consumer complaint received 2023-04-07
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Im a XXXX XXXX, and works only parttime. Ive paid my car note pretty well, until very recently, when I had unexpected expenses, and fell a little behind. I asked Capital One if they could give me one of those programmes that puts two payments to the back of the loan. They said they could. So the first guy took a payment from me and said Ill be current after that payment. But the company was still calling me after that. When I answered the phone, they said Im still in collections and I had to pay more cause the amount the other agent asked me to pay, wasnt enough. So I paid again! After paying AGAIN, they were still calling me. When I answered, they said Im still in collections, cause the amount the second person gave me still wasnt enough. So I paid AGAIN! After that, I was assured that the loan would definitely be current, two payments would be put to the back and comes XX/XX/XXXX, Im starting fresh! So I called today to make the XX/XX/XXXX payment, and they tell me yet again that Im not current, and Im 31 days late!!! Capital One has been playing games and making a fool out of me!
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

The company, Medical Revenue Service, Medical Data Systems,  sent me a letter saying that they were no longer servicing / collecting on this debt. 

However, this letter that was sent on XX/XX/2019. 

They are still reporting on all three credit bureaus, and causing negative damage to my credit score. And it is severely affecting my credit worthiness. 

( Letter is attached ) I have sent them a letter requesting for this to be removed from my credit report, but it still remains almost 45 days later. 

Please remove from credit ASAP.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (NY)

Experian Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Experian has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.