davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-10-04
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. (UT)

I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}
Consumer complaint received 2018-01-27
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. (MI)

Transunion and XXXX  has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from XXXX   told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
Consumer complaint received 2021-06-30
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: Carvana Group, LLC (MD)

I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I downloaded the usaa mobile app and uploaded a XXXX check. The app told me 72 hours before I received the funds and then When I called 72 hours later they told me 6 days instead and I sensed they were trying to steal the money and claim they were holding it Incase it bounced. My employer and I waited for the funds to be deposited and they kept holding onto the funds trying to steal the funds because it came from an international bank. I would like them to correct what they did to the account and give me my funds back.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (TX)

This company is repeatedly calling me and when i ask why they are calling me I am told they dont know or it is a mistake. I have repeatedly asked to have my number removed from their database and they confirm this has been done however the calls keep coming. I have had the same conversation over and over and yet they do not stop calling me. 

I have asked to speak with the manager at this company here are her details below : Company : Alliance one XXXX XXXX Call Center supervisor XXXX XXXX XXXX XXXX Washington XXXX
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I transfered money from my Coinbase account to my bank account XX/XX/XXXX and got a response that money will be on my bank account XX/XX/XXXX but it still has not arrived. 

The amount was XXXX euros and XXXX cents.
Consumer complaint received 2022-09-09
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. (VA)

On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from XXXX XXXX XXXX on my Transunion credit report. I have never authorized this bank to do this. I contacted Transunion that same day to dispute the hard inquiry, and was informed that I would need to contact XXXX  XXXX XXXX to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact XXXX  XXXX XXXX, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that Transunion requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from XXXX XXXX XXXX. I want this hard inquiry removed from my credit report!
Consumer complaint received 2022-08-11
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. (NJ)

I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against TransUnion due to their failure to address my repeated disputes regarding inaccurate items on my credit report. On multiple occasions, specifically on XXXX, XXXX, XXXX, XXXX, and XXXX, I sent dispute letters to TransUnion, urging them to investigate and rectify these inaccuracies. 

Furthermore, I contested incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and recent bill with my current address. 

Despite my diligent efforts, TransUnion failed to conduct a reasonable investigation into the disputed items. Instead, I received responses dated XXXX and XXXX, stating that they did not receive requests directly from me or an authorized third party. This response is unacceptable as it undermines my consumer rights protected by the Fair Credit Reporting Act. 

As per the FCRA, credit bureaus are obligated to conduct thorough investigations into disputed items. TransUnion 's failure to do so constitutes a violation of my rights. I am providing copies of the dispute letters sent to TransUnion, along with their responses, as evidence.
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

I am trying desperately to sell my home in a short sale. I am under water as a result of the XXXX crash and I have never been able to regain the value of my home. I have a buyer who is anxious to close. I have a letter from Specialized Loan Servicing stating my application was complete as of XX/XX/XXXX. XXXX XXXX ( the first mortgage ) has given their approval. Specialized Loan Servicing ( the second mortgage ) continues to drag their feet. Every time I call I get the runaround. I have provided them with every requested document in a timely manner. They are well beyond any reasonable period to provide a response. They " escalated '' my complaint on XX/XX/XXXX. I later learned they don't escalate anything. You just have to wait. I have a buyer with good funds who is ready willing and able to close. There is no reasonable excuse for this delay.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (UT)

I applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX I was on the phone trying to set up things with my new XXXX XXXX. I thought I had called XXXX  support. there was a fradulent pay pal charge for XXXX to XXXX XXXX.I noticed the charge right away when it was pending. I notified XXXX XXXX  and they would not let the transaction go through since I disputed it.I had other issues and the bank said my account was compromised. I had to close all of my XXXX  accounts and had to get a new XXXX XXXX XXXX XXXX credit card. 
I had spoken to someone at pay pal and they said I do not need to pay it. On my pay pal account it still says i owe the money. i dol not believe it is on my credit report. i would like this resolved so i can continue to use my pay pal account. my pay pal account had my old address but i have since fixed it. 
please take care of this fradulent transaction
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both XXXX and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely XXXX Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.
Consumer complaint received 2022-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have submitted disputes to you and I didn't a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes. Thank you!
Consumer complaint received 2017-06-09
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. (PA)

Equifax has an open account.    XXXX   XXXX  opened  XXXX  This account was completed and Settled-  XXXX  with  XXXX   XXXX   Please help .I thou ght once settled with  XXXX  credit report they would have Removed from all. Thank you
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act Convergent 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. 

I have disputed this account before and it has not reported however its still showing on XXXX and equifax. the last reported dates are even incorrect. It keep updating and don't even say the description of debt. i need to see an original contract. Nothing is accurate.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (AR)

I received a chapter XXXX discharge XX/XX/XXXX about the middle of XX/XX/XXXX i got a bill from one of my included bills XXXX. I called and talked to them and gave them bankruptcy case number and they said ok. XX/XX/XXXX I receive a collections notice from sunrise credit service for this discharged XXXX bill. I called sunrise credit and told them the same thing and gave them all my information on my chapter XXXX case and also my lawyers info. I then contact my lawyer and give them the copy of my letter i received from XXXX XXXX and they said they would send out new letters to XXXX  and sunrise credit ... .but this has been ignored by both XXXX and sunrise credit. 

Then I get the same letter a month XX/XX/XXXX later from sunrise credit again saying the same thing. I call them once again and tell them all the same information chapter XXXX case number and lawyer information. They just said " well XXXX said it was a good debt so we have to collect on it '' So now I get a collection debt on my already weak credit report with XXXX. I disputed this with XXXX and they said they contacted Sunrise credit and they said it was a good debt so XXXX wont remove this illegal debt/collection from my credit report. I dont have access to my other reports so I cant tell if the collection is on XXXX  and XXXX but it probably is.

I just need help removing the debt from my credit report and help making XXXX and sunrise realize this is illegal to collect on a discharged debt.

Thank You
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I " consolidated '' my student loans in XXXX2016 however the loans are not truely consolidated in order to accommodate government repayment plans keeping subsidized and unsubsidized loans separate. I have a current document showing this however when I took out my pension to pay off the unsubsidized loans because of the insane interest accruing I was denied from Navient how to allocate " MY '' money and they told me they would pay a percentage towards each loan 13 subsidized and unsubsidized. Keeping my unsubsidized loans open so they will continue to accrue insane interest and Navient makes it Very diifficult to pay off.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX XXXX XXXX I paid what I owed to XXXX XXXX XXXX.
I paid online and the debt issued on my account is what was paid with my credit card which I have provided my bank statement of what I was charged to pay for the 7 days after the first of the month. 

There was no mail or call or via-email received. They have my forwarding address. 

This is unclear as to what else I owe. 

Please help me clarify why am I receiving this notice. 

Thank you kindly, XXXX
Consumer complaint received 2022-01-05
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: JPMORGAN CHASE & CO. (CA)

Completed payments of Chase auto loan as agreed as XX/XX/2021. Had not received the title to my vehicle. Made numerous attempts to resolve the situation with Chase directly, but had been unsuccessful. Chase agents simply refer me to XXXX and the XXXX agent state the is a lien on the vin number.