davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with TransUnion called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with TransUnion multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also XXXX was pretty much the same way while XXXX fraud department was excellent to deal with. I think TransUnion and XXXX should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.
Consumer complaint received 2020-04-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.
Consumer complaint received 2023-01-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Oracle Financial Group LLC. (CA)

I have received calls from Oracle Group LLC employee XXXX XXXX on both my work phone # and my work cell phone. I have asked him repeatedly to NOT call me at work on either telephone number. But yesterday and today I have received calls on both lines. In addition he left a voice mail at my work at XXXX PST stating he would like free medical advice and then said But XXXX you like getting things for free. I will be contacting your employer. This is inappropriate and unacceptable.
Consumer complaint received 2019-10-31
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 discharged from chapter XXXX bankruptcy on XX/XX/2018 and Transunion still has an account XXXX XXXX as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.
Consumer complaint received 2019-10-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This was a medical bill by my daughter 's XXXX  of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.
Consumer complaint received 2019-10-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was a medical bill by my daughter 's XXXX  of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.
Consumer complaint received 2023-01-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-31
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. (TX)

I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX XXXX XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX WISCOXXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit is attempting to collect a debt for which I do not owe. Furthermore Sunrise Credit never took any action to reach me about debt claims prior to destroyiing my credit report. Moreover they continue to report this account every day to the credit bureaus. Ive disputed with XXXX however they have not done their due diligence and have failed to remove this from my credit report. 

XXXX is Wrongly charging me for a closed account that my ex husband is responsible for, furthermore the amount they are attempting to collect is not correct and thus Sunrise Credit is reporting incorrect, invalid debt and it needs to be removed at once.

Sunrise also has continued to harass me with phone calls during the dispute process which goes against the fair credit reporting act.

Im attaching the following receipts that prove the equipment was returned and any amounts charged are incorrect I refuse to pay this debt and want all communications to cease.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-11-29
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. (NV)

I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.
Consumer complaint received 2019-10-31
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)

After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2019 Friday, XXXX XXXX, Michigan ( Chase : XXXX XXXX XXXX ). Amounts of - {$23.00} & - {$80.00} ( XXXX XXXX ) and $ XXXX ( XXXX ). I went to this branch to dispute this amount from my checking account ; it was deducted but not reflected. It shows paid to collector, days later the charge is removed but it has been taken from my account balance. EX : Deposit {$2000.00} XX/XX/XXXX then - {$80.00} removed from the balance the same day, leaving me with {$2000.00}. Not able to get online to see or access account ; no statement mailed.
Consumer complaint received 2023-01-30
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)

these collection accounts have been posted on my credit file fraudulently for a good period of time affecting my credit score and opportunities to build relationships with other entities. these collections accounts have been furnished FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATELY I AM ALSO DEMANDING A CEIST AND DESIST FROM THESE COLLECTION COMPANIES AS WELL AS MONETARY RELIEF FOR DAMAGES. 

XXXX XXXX - {$63.00} XXXXXXXX XXXX XXXX- {$70.00} XXXXXXXX XXXX XXXX - {$89.00} XXXX XXXX XXXX - {$780.00} XXXXXXXX XXXX XXXX XXXX - {$1400.00} XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/. THESE COMPANY ARE REPORTING ACCOUNTS ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was dating with a man and he told me he have a problem he gon na do a direct deposit on my account and I refuse and he do it after I receive an email the check was forgery I discuss with him and he put 2 more forgery checks on my account and the bank closed my account I didn't know exactly how deal with that I contact a lawyer in bank he told me the guy scammed my account and he give me what to do now
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC (AR)

Purchased a XXXX XXXX XXXX from Jd Byrider XXXX Tn XXXX XXXX after financings Car need work traveling 4 hours away from home .. called Monday morning to complain about problems.. 
Warrenty dept paid for an oxygen only.. 
Car need extensive work underneath they denied the patent to work on it.. 
No place close to home to repair car.. 
Pretty much brought a lemon car.. 
Entire undercarriage rusted out and fell off the car.. I could have lost my life.. 
I asked them to fix the car they stated they need payment first.. 
Lost my job because of no transportation. 
I called finance company letting them know where the car was I told Ill be sued for the balance..
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX  on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX   after reporting to XXXX XXXX XXXX XXXX that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Consumer complaint received 2023-01-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

12. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

My student loans transferred from XXXX to FedLoan Servicing in late XX/XX/XXXX/early XX/XX/XXXX. I have yet to receive notification regarding the number of qualifying payments I have made toward the Public Service Loan Forgiveness Program. I sent an email XX/XX/XXXX asking when I can expect to receiving notification regarding the number of qualifying payments. When my loans transferred, I submitted all signed Employment Certification Forms for all employers. I received a response from FedLoan Servicing on XX/XX/XXXX stating to please allow 70-90 days to complete the review. I submitted the same question to FedLoan Servicing again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that each account must go through a detailed review process. I submitted yet another email asking the same question on XX/XX/XXXX. I received a response from FedLoan Servicing on XX/XX/XXXX stating again that each account must go through a detailed review process. I submitted the same question again on XX/XX/XXXX and received the same response from FedLoan Servicing on XX/XX/XXXX. As of today, XX/XX/XXXX, I still do not know how many qualifying payments I have made toward Public Servicing Loan Forgiveness for the Employment Certification Forms submitted when my loans transferred. I have only been credited for certification forms submitted after my loans transferred for my current employer. It should not take nearly two years to review my payment history. I even submitted the same information again, but I used the most recent Employment Certification Form for employers before my loans transferred. I still have yet to hear anything.