davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.
Consumer complaint received 2022-04-11
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. (GA)

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

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I finalized the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX Sport was delivered. Due to the delivery method, I scheduled to meet the delivery in an open parking lot. Upon driving the XXXX home ( about 1 mile ) I discovered the XXXX not to be blowing cool air. When attempting to park the XXXX in our driveway at home, the emergency break would not latch. I immediately emailed XXXX XXXX XXXX and reported the concerns ( including a flicking/non stable Radio system ). After a series of sent emails and minimal response, the XXXX is still in my driveway, parked, while an Auto Loan ( Capitol One Auto Finance ) is still seeking payment.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal close my account for no reason, I am trying to contact them but they are not helping me. I request them tell me the issue what is the exact issue for that you block my account, the representative said we can not tell you the issue, but which i can tell you that the restriction applied on you from the system and i can not help you with this and you have to wait for 180 days. I had my funds in that account about XXXX $ and I need my funds for run my family, I am doing freelancing on internet this is my hard earned money and they are blocking me for no reason. 
I want to request you please help me to resolve this issue. 
My email linked to paypal XXXX XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

This account was a result of identity theft due to an Equifax credit breech which I filed a settlement it had been already disputed and removed from Equifax back in 2020 and the original creditor is sprint for the amount XXXX. Now it has been sold to another collection agency source XXXX XXXX XXXX for the amount of XXXX and this fraud has been reported by Equifax on my report. Equifax has a responsibility to protect the consumer.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENTRAL BANCOMPANY, INC (ID)

I inquired on a loan through Online Central, a division of The Central Trust Bank. XXXX XXXX ( XXXX : XXXX ), the agent, would following up constantly to get the application and my documents over. I have a excellent credit and strong income. He would follow up at all hours so I completed everything. Now I have been unable to get ahold of him for weeks. He will not respond and has been XXXX. This is frustrating after all credit and private documents have been sent. This makes it feel very much like a scam, do not use.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (GA)

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

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I refinanced my mortgage which was serviced by XXXX in summer of XXXX. XXXX Mortgage purchased my loan from XXXX and become the holder in XX/XX/XXXX. I made both my XXXX and XX/XX/XXXX payments online with significant additional principle to keep my loan well ahead of schedule. When I attempted to make the XXXX payment I received notice on their website that the online payment system was 'unavailable ' at the time. I checked daily until XX/XX/XXXX and then I called PHH mortgage to inform them that I was not able to make an online payment anymore. They told me I had to sign a new document of consent to make online and phone payments. They said for {$17.00}, I could pay over the phone one time or send a payment by mail. On XX/XX/XXXX, they charged me a {$74.00} 'late fee ' without providing me the consent form. On XX/XX/XXXX, I received in my online account mailbox on their website, a document of consent dated XX/XX/XXXX. On XX/XX/XXXX, they reported me as 'delinquent ' on my credit report despite my complaints about not having my online payment available. On XX/XX/XXXX, I had to make payment via phone to which they said it would cost {$17.00} to process the payment. I did make the payment over the phone to which they said I wouldn't be able to do in the future and would need to mail it in but should expect online payment working in XXXX. I'm very concerned with this company 's ethics and how they are blocking my ability to pay while charging me exorbitant fees and ruining my stellar credit.
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (GA)

This company is calling all people associated to me through addresses, relationships, etc. They are telling them it is a financial matter I need to contact them. I have never even given the numbers of the people they have called. Its embarrassing and it's intrusive.
Consumer complaint received 2022-09-28
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. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SHARP COLLECTIONS, INC (PA)

I have received a letter from this collection agency requesting that I pay the delinquent amount in 10 days. This was my first encounter with them for this debt. On the paper they sent me, the delinquent amounts were {$2.00} and {$40.00}. All in all, I sent a money order for {$43.00}. i've now received another letter XX/XX/22 with the amount of {$15.00}. I've sent them a letter via certified mail that was signed by XXXX asking for verification of this debt to no avail.
Consumer complaint received 2022-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-11
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. (FL)

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-14
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. (LA)

On XXXX XXXX i noticed XXXX  XXXX, XXXX, XXXX & Equifax posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, XXXX XXXX, XXXX, XXXX & Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information XXXX XXXX, XXXX, XXXX & Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave XXXX XXXX, XXXX, XXXX & Equifax permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2022-04-11
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. (FL)

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-02
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. (NC)

XX/XX/2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Assured Financial Partners (TX)

i dont recognize this debt and have asked for original written documentation between the parties. They have continued to threaten by saying they are going to sue me and then they disconnect call, when im trying to get there physical address. One of the reps name XXXX XXXX.
Consumer complaint received 2021-05-14
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. (AZ)

On XX/XX/2021, I filed for a validation of debt with the credit bureau 's XXXX, and Transunion. As well as the Collection Agency XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( Transunion, XXXX ) Thank You, XXXX ' XXXX
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. ()

BlockChain is going on an abusive power trip beyond belief with ALL my crypto. 
Here 's what happened : I live in XXXX - XXXX as you know is a small XXXX country - XXXX kilometers in any direction brings one in a different country. So that happens all the time. 

Despite all measure the have in place to authenticate who you are at log in ( account ID, password, 2FA, facial recognition - all of which I use by the way!!! ) they find it " suspicious '' that I check my balance outside XXXX. It seems they don't have great confidence in their own infrastructure!! 

And here 's the kicker : what does Blockchain do? They confiscate all my assets ( worth over 100,000 $ ), AND they do NOT even tell me why ( other than " suspicious behavior '' - to do with traveling ). I asked them twice, explicitly : " What do you mean - tell me exactly what you find suspicious ''. No answer. 
You're reading this right : they confiscate without telling why. Like that. That why the classification of abusive power trip is justified. 

So I'm done with them. I just want to LEAVE. They do NOT communicate, they just steal your money without ANY explanation, AND they don't follow up, reply to pertinent questions,... It's a crying shame. 
They just leave you hanging, for no reason, for as long as they wish. 
This is the OPPOSITE of a serious platform. 

And -by definition- theft. 
I have meanwhile- and for this reason- set up a XXXX account. 
Yet, also at my request to transfer my assets there : ( you guessed it ) NO REPLY WHATSOEVER. 
They sent one request : create a clean new account with them. 
Even if 1/ My old account was not dirty at all- and I have still no idea why they think it is. 
2/ I have literally ZERO desire, after all this, to stay with them. 
So instead of creating a new account, they MUST release MY assets that they are illegally holding, and transfer it to the indicated XXXX account. 

I chose to " Publish '' this info so that ( hopefully ) - many more people can read how BlockChain is " treating '' their clients. This illegal, abusive power-trip has to end. Immediately. NEVER EVER use their rewards account as that means you are handing over your assets to them and they refuse to let you check out.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (MD)

I've had the absolute worst experience with this company during the past 2 months. First and foremost my account was disabled after I made several complaints without any sufficient reason. When I call about it I am given a standard generic response. My accounts were in good standing and paid in full and a few months in advance. I was told to double check my XXXX information and when I called them, they said everything I had was accurate. The address was then updated and yet I still could not process an application even after it says correct the information from your XXXX which was only an address they suddenly changed. After numerous emails I was told it was disabled and no longer can use their services and they could NOT provide a reason. I've had 5 loans and now I get this issue after several complaints and my account is disabled. You can not reach a live person unless you call from a # that is not registered with an account, if you call from a recognized # it is only automated with generic responses. Secondly, my credit report ( XXXX ) still has balances on all my account since XXXX of this year even though they are all paid in full since XXXX and XXXX. I've reached out several times and keep getting told the same generic information which does NOT apply to this situation. It's now XX/XX/XXXX and ALL the accounts still show on XXXX with balances and they should all be at XXXX. These accounts have not been updated on the consumer report since XX/XX/22 which is CLEARY over 1 1/2 months ago. It's ridiculous and poor service.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I received an invitation from American Express Co via USPS mail on XX/XX/2021 to upgrade my Gold card to Platinum, POID : XXXX, RSVP # XXXX XXXX XXXX exp:XX/XX/2021. The invitation has a promo for XXXX membership rewards point + {$150.00} Statement Credit if I spend {$6000.00} on the card within 6 months of the upgrade. I called Amex on XX/XX/2021 at XXXX XXXX  MST and did the upgrade and informed the operator I have a promo code, she told she has a copy of the letter with her and will apply the promo to my upgrade. I received the card and welcome letter but it didn't say anything about the upgrade, so call AmEx again on XX/XX/2021 at XXXX ; XXXX mst to make sure the promo has been applied, I talked to XXXX, who informed me that the promotion was not applied and she doesn't see it on my account. Asked to speak to supervisor but was denied and said one will call you in 48 business hours. This fraud, deception and unfair practices committed by American Express co. I request severe punishment and fines to be assessed on Amex and force Amex to honor their promotion and apply the XXXX rewards and {$150.00} to my account.