davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed this debt through TransUnion twice now, and each time TransUnion does not thoroughly investigate the debt nor does TransUnion actually review the documents I upload to them as part of their online dispute process. The account in question is from XXXX XXXX XXXX XXXX for {$2700.00}. The item was placed on my TransUnion credit file in XX/XX/2022. I have attempted to call TransUnion several times to resolve this, to provide them documentation to support my assertion that XXXX XXXX has agreed to delete this collection account from my credit file, but each time I speak to a representative outside the United States whose XXXX is poor and incomprehensible. On XXXX XXXX, I spoke to someone named XXXX in TransUnion 's dispute department, who told me that there is nothing he or TransUnion could do to assist in resolving my dispute. Each time I have sent in documentation, TransUnion does nothing more than send it to the creditor, who then verifies it, and the account inaccurately remains reported on my TransUnion credit file. TransUnion doesn't actually conduct any sort of investigation -- this is a blatant lie, and TransUnion is misrepresenting their dispute process. XXXX was asked to transfer me to the appropriate representative. Instead, he slapped me on hold, and I've been sitting on hold, with no resolution, for more than XXXX minutes. I was finally able to speak to XXXX, who told me to upload the documentation to TransUnion 's website. I let XXXX know that their website did not allow me to upload anything while a dispute is in progress. XXXX had no other options except to send any documentation by postal mail. When I expressed to her that I couldn't and that postal mail was unacceptable given the technology in 2022, XXXX hung up on me. TransUnion has knowingly and intentionally denied me my rights under the Fair Credit Reporting Act, and they are knowingly and intentionally acting in a deceptive and abusive manner toward me. I am attaching a satisfied in full letter from XXXX XXXX XXXX XXXX, which shows that the account is paid in full and that I am no longer legally liable for this account. XXXX XXXX has agreed to delete the account from all my credit files, including TransUnion.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

I submitted a CFPB complaint in XX/XX/XXXX against my mortgage loan servicer, Dovenmuehle, a subsidiary of XXXX XXXX XXXX, who sold Dovenmuehle my loan soon after purchasing my home in XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle had misreported my taxes owed and had inflated my monthly payments incorrectly. I spent months attempting to get them to resolve the issue ( see attached original complaint ). 

On the evening of XX/XX/XXXX, I received a response from Dovenmuehle stating that they had corrected my tax lines, but they were still awaiting a corrected escrow analysis to be ran, so they could not tell me what my monthly amount owed is. 

Despite all of this, I have continued to pay my original mortgage payment through XXXX XXXX with the same staff processing the payment on time each month ( see attached proof of this communication for XX/XX/XXXX ). I had asked for confirmation that Dovenmuehle would hold off on any credit reporting/late fees given that they still can't tell me what my monthly amount owed is. I have documentation with this same XXXX XXXX staff for each month since the issue began documenting that I had paid on time. 

Dovenmuehle has reported to the credit bureaus that I am behind on my monthly payments, despite not being able to tell me what I owe, and despite me continuing to pay on time. This week, I received a notification that my XXXX score dropped XXXX points due to this incorrect reporting. 

Furthermore, in their response to my complaint, they are still incorrectly reporting my taxes. On XX/XX/XXXX, I attained the attached tax analysis documenting my the actual taxes owed on the property for the last several years. Since I attained the property, according to DC Office of Tax, what I have owed is the following : XXXX half of XXXX - XXXX ( paid at closing ) XXXX half of XXXX - XXXX XXXX half of XXXX - XXXX Dovenmuehle is stating that I owe for the second half of XXXX and the first half of XXXX the amount of {$1800.00}. I am not clear on when these figures are coming from. I sent the corrected tax analysis to them on XX/XX/XXXX, and still have received no response. 

To summarize, Dovenmuehle did not resolve any of the issues in my original complaint, as I still do not have the tax lines corrected, nor a corrected escrow analysis/monthly payment.
Consumer complaint received 2022-11-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (NH)

XXXX this is my response to your letter you sent datingXX/XX/2022 you said in recent response that you believe you are reporting accurate credit information. my problem with that is where you there for this extension of consumer credit? as well as you used the word believe which means you accept as true on a personal level. what you believe and what you can prove and provide are two different meanings. you also had mentioned that theirs still a alleged debt arising from said account? but
when i read the truth and lending act and came about the finance charge ( 15 USC 1605 ) that the finance charge SHALL be the sum of all charges! and taken another look at this installment agreement you attached from you're last response it shows multiple charges amounting to XXXX dollars more then the finance charge. 
can you explain why ally financial shall not be civilly liable for not properly disclosing what the finance charge is? why was i forced into paying for insurance when that as well should have been including in the finance charge? advertising down payments? under section 1640 of tila when a consumer is not fully disclosed the true meaning of the transaction and what is really happening under the open ended credit plan that used for personal family and household purposes shall be liable for double the finance charge. 
i am still demanding verification or debt, validation of debt, and all accounting on and off ledger and documentation ally has suffered loss and damage. i request you stop sending statements and provide valid proof ally financial is a said creditor. 
that proof shall not include consumer contract. because as per judgement pacific concrete F.C.U v kauanoe the consumer contract is not sufficient evidence of a debt also provide a audit trail of the transaction originated by you.
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc. (MD)

I downloaded the Solo app and signed up as a lender in XXXX of XXXX. My wife started lending a few months after I did and had her own account. 

With the app I was able to lend small loans to people for a period of 15 days in amounts up to {$500.00}. I started to track my loans in XXXX of XXXX after I noticed that all of the loans were not being reported and I was missing money. I reached out to solo on several occasions requesting an audit of my account and it was never done. fast forward to XXXX of XXXX, my wife received an email notifying her of an account audit and that she would be receiving a total of {$1900.00} as a result of the audit on her account. My wife lent a total of {$300000.00} while using the app. After seeing this, I reached out to solo to ask when my account would be audited. On XX/XX/XXXX I received an email stating that an account audit will only be available for users who received the email. I have not received any further communication.
Consumer complaint received 2022-11-11
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have an online XXXX store run for me by another company. They told me I needed to pay a company called swift-ship {$2000.00} to ship some of my merchandise. Shortly after the payment was charged I noticed orders still weren't being shipped. I constantly tried to contact the account manager I was dealing with but there was no response. Then I received a letter from the company who was supposed to be managing my store that said they closed and dissolved their company. I never received any shipments from XXXXXXXX XXXX and none of my product was shipped because all the orders I received were cancelled. I filed a dispute but supposedly XXXX told Capital one they shipped a pallet of stuff to me at my address which is a regular house and would have place to receive a pallet of items. I tried to look up XXXX and don't have a phone number or address to contact them. So how could they verify or prove shipment were sent to me if Capital one can't tell me their number or address. I have received no proof of invoices being sent to this address and at this point feel it may be some kind of scam.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

Please see attachment letter for errors on my credit report. 


XX/XX/XXXX JP MORGAN CHASE BANK Executive Office XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : JP MORGAN CHASE ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. 

I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.

1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) 3. Return all monies ever paid on this account. 

If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

XX/XX/XXXX specimen was taken at doctor office and sent to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent claim to insurance ( XXXX XXXX ) Sometime later, received bill from XXXX XXXX Partners for same. 
Contacted Specialized Pathology and explained XXXX had already billed and was paid. They said they would note in their files. 
Also contacted XXXX who said they did not provide insurance info to XXXX XXXX because XXXX pays pathologist directly. I was told by XXXX they would contact the pathologist and clear this up. 
I heard nothing, received nothing since then, until last week. 

I received a notice from RMP Collection agency that I owe {$500.00} for this same bill dated XX/XX/XXXX. 

XX/XX/XXXX, I contacted XXXX XXXX, at XXXX, spoke to XXXX, to find out they are no longer in business and they still have this debt on their files and it was indeed sent to collections. 

I have no recourse to remove this debt at the company is out of business and the collection agency will not remove it. 

I received a copy of the invoice, showing debt was paid from XXXX and forwarded this to XXXX. They now will not answer my calls or return my calls to confirm their receipt and that the debt was paid. 

I am asking for your assistance to get this bill removed. RMP says they will put it on my credit report if I do not pay.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-11
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. (AL)

I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer Service
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was scammed due to a merchants deceptive sales practice. I purchased a skin care device that did not function as promised in XXXX, XXXX. I was told that this device would produce visible results in 2 months. I used device daily for 2 months and it did not do anything. I called the merchant to report this and he told me to bring machine back and he would help me. He insisted that I bring this back on a Sunday around XX/XX/XXXX which I did. When I got there he told me he would not take machine back because I had opened it. I replied with question How would I know it did not work if I hadn't opened it. My witness that was with me also reminded him that he said I would have major results in 2 months. He then said It takes 6 months to work. My witness then asked him why he was being dishonest. He became angry left the room slamming the door and returned with a large threatening looking man who didn't speak but appeared menacing by hovering over us in this small room and rocking back and forth. I felt threatened so we left the merchandise and hurried out of there. I have sent Capital One multiple documents outlining this and they kept telling me to send more information which I have spent exhaustive time doing so. I have also attempted multiple times to contact management of this business with no response. The purchase was expensive XXXX. Capital One is reported that they will not help me multiple times. I will not pay for something that did not function and that I do not have any longer. I am hoping that I can get assistance. In addition I have sent Capital One multiple reviews/complaints about this company and all complaints filed reported that they were able to successfully resolve this with credit card companies.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (TN)

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. 

XXXX XXXX - XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # 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 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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00}