davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SUNRISE CREDIT SERVICES, INC (MI)

Reported : XX/XX/XXXX Collection Agency SUNRISE CREDIT SERVICES , INC XXXX 
Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXXE Account XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Account Number XXXX XXXX Original Amount Owed {$420.00} XXXX XXXX XXXX XXXX XXXX  Amount {$420.00} XXXX  Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status UNPAID Comments Contact SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (KY)

My husband and I refinanced my mortgage in XXXX from Statebridge Co to XXXX. We were owed around {$2600.00} from our escrow with Statebridge. They dispersed a check for the correct amount around the first of XXXX which we received. However, I accidentally threw the check away when paying bills. 
I contacted Statebridge on XX/XX/XXXX when I noticed I couldn't find the check, I spoke with XXXX. I explained the situation and asked them to cancel the previous check and reissue another one. XXXX stated she left a message for the finance department and it could take up to 3 weeks. 
On XX/XX/XXXX after not receiving a check or any communication from Statebridge I called back and again spoke with XXXX. She stated it appeared no one had addressed the issue. She placed me on hold and spoke with a manager. She then told me another message was sent to the finance department and to call back the next day. I waited until XXXX to call again to check the status and again some with XXXX. She again stated there wad nothing noted and she would try to speak to her manager again. After several mintues on hold she started she would need to call me back. 
As of this date, XX/XX/XXXX I had not heard back. My husband called and stated again nothing had been addressed by the finance department and another note would be sent. 
I am obviously willing to pay any cancellation fee they may be charged but after a month and a half with no information as to any steps to resolve I am not sure what else to do.
Consumer complaint received 2022-01-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Doevenmule/XXXX  XXXX paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by DovenmuleXXXX can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NY)

I had some communication with XXXX about 2-3 years ago about asking for my hm phone as they claimed it belonged to them, I had XXXX  phone services at the time and they asked that I request my old ph number from XXXX to use it. I had to pay about XXXX at the time and they let me use it. Someone from there came out and took their wire out. I then kept gettin a bill for XXXX for phone service I never had from them??? Now it appears it's with about 3rd creditor Southwest credit systems and they don't have any information on when or what is owed?? I don't owe XXXX anything period. But they also put this on my credit report as derogatory? I don't have any info from back then I'd really have to look and it was appeared cleared back then??? I want them off my.back and credit cleared. Very aggressive company!. I would never do any business with them and I haven't in years. The letter recent is from Southwest Credit Systems LP XXXX XXXX XXXX, XXXX TX XXXX XXXX. I don't know why I would have to continue to argue with these creditors 2-3 years later?
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, XXXX after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX ( XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.
Consumer complaint received 2022-01-11
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. (GA)

I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX XXXXELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE XXXX.
Consumer complaint received 2022-01-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation (CA)

I traveled to XXXX XXXX XXXX and was persuaded into attending a timeshare presentation for XXXX XXXX. Unfortunately, I made the mistake of signing up for the membership. After a day or 2 I realized the company was scamming tourists out of their money and not providing the type of service advertised during the presentation. I notified them verbally and in writing on multiple occasions ( within the 5 days legally given to cancel ) that I wanted to cancel the membership. Despite confirming the account was closed because our credit card transactions were reversed/disputed, I still received notification that the account had been sent to Concord  Servicing Corporation in XXXX Arizona for servicing. I verbally confirmed with XXXX XXXX that the account was closed but Concord continues to say the account shows it is active and suggests that I call XXXX XXXX for this issue. When calling XXXX XXXX you end up in a Rabbit hole trying to speak to anyone which I believe is all part of the scam. People answer the phone and immediately hang up, phone calls go unanswered, voicemails go unreturned, etc. I continue to receive debt collection mail from Concord threatening to damage my credit if I do not pay them.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

This company has been sending documents to me that owe for this medical bill. I do not owe the bill because I am a member of the XXXX XXXX XXXX so I should not have a bill. I wish you would help me take care of this matter. The XXXX occurred in 2021. The bill should have been paid in full by the hospital. Reference # XXXX. The XXXX XXXX XXXX # XXXX. I have requested a letter stating that 100 % of any XXXX is paid for 100 %. They will submit this information to my credit report.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MA)

I made a wire transfer from XXXX XXXX XXXX XXXX XXXX ) to an account at JP Morgan Chase ( Chase Bank ) on XX/XX/2022. The account and recipient information was verified. The account holder is someone that I know that lives out of state. After the funds were transferred out of my account the beneficiary never received the money. Somewhere along the line there was an issue with the account number. JPM either held the money or put it into an incorrect account. This would be something that they should have resolved within 24 hours and returned the funds to me since the account that they put it in and the beneficiary information did not match wherever the money ended up. 

I have filed numerous amendments and countless recalls. XXXX has not received any XXXX message traffic from Chase in weeks. The beneficiary has made numerous inquiries with Chase. They have told him that that the money should be returned within 2 to 3 business days. That was over a week ago and they have still not updated XXXX  via XXXX. They told him on Friday when he called that there is nothing more that they can give him and that I need to continue to escalate the recall with XXXX, something that I have done since this whole process has started. Apparently there is nothing more that I can do according to XXXX  They are unable or unwilling to make direct contact with Chase in order to obtain a status update. 

I am now without my money for a month and have nothing to show for it and I'm trapped between two banks that are each blaming the other for the lost money.
Consumer complaint received 2022-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After multiple attempt to resolve issues with my Credit report with XXXX through online/certified mail/and phone calls XXXX refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know darn well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-11-03
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: GOLDMAN SACHS BANK USA (NJ)

I, XXXX XXXX have received a hard inquiry after applying for a credit card with Apple Card/GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On Sunday, XX/XX/XXXX I was contacted for an interview from a person who got my information from XXXX. On Monday XX/XX/2021 I had a job interview from a person ( XXXX XXXX ) misrepresenting themselves as Talent Acquisition for XXXX XXXX ( An actual company with a person under this role, I researched ahead of time ). After a two hour long interview process I was hired and sent documents to sign as an employee of this company. It was explained to me that I will have to purchase and keep strict records and receipts of the equipment that I will need in order to work remotely. I was sent a check for {$2900.00} ( XX/XX/2021, enclosed along with email ) from their accounting department and told that once the check cleared from my account ( which Huntington Bank cleared IMMEDIATELY ) I was to use those funds to purchase the equipment. The money is to be sent to a vendor the company has been using for years. I was instructed via email ( enclosed ) how to deposit the check electronically and how to use XXXX to pay the vendor. If Huntington Bank did had not cleared the check so quickly I may have been alerted to the fact that this may have been a fraud. Under the UCC ( Uniform Commercial Code, a bank has a duty to ensure fraudulent checks don't pass through your account. Huntington Bank which was supposed to be my first line of defense against fraud failed to do this. I reported the fraudulent transaction immediately to Huntington Bank, XXXX, the FBI, XXXX XXXX and contacted the XXXX XXXX and XXXX to let them know that their company was being used in fraudulent activity. 
As for XXXX ( which I had never used before ) If customers are asked the simple question DO YOU PERSONALLY KNOW this person, instead of, do you trust this person, I would not have used XXXX. Of course I trusted the transaction, as far as I was concerned this was the XXXX XXXX money from the check that Huntington BANK cleared immediately. I did not realize that this was my husbands money. Both Huntington Bank and XXXX were misleading.
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX Santander Consumer USA sent me a response letter through the CFPB stating my account was under a cease and desist. 

On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession. 

Regardless of payments received monthly and never 30 days past due. 

The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward. 

Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX. 

15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time. 
Santander is in violation of a cease and desist order.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

I have contacted TD Bank about a fraudulent credit card ending in XXXX. I have tried to resolve this matter with TD Bank and still there is no resolution. When I call the customer service, I am speaking with a different customer service representative every single time. I sent in a police report to the credit bureaus regarding this account. T.D bank is electronically verifying this account stating that it belongs to me because they are attaching it to my date of birth and social security number. I asked for written documentation about this account and I have still have not received the information. I asked for application, account information and details and this still has not been sent to me. This account is fraud and T.D Bank needs to remove this account from my profile.
Consumer complaint received 2022-01-10
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. (NJ)

I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and Experian believes it is my account info when it is not. XXXX XXXX over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXX  
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already XXXX  days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX