davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (CO)

I submitted a previous complaint, but it was closed without follow-up or conclusion. TransUnion is reporting an account that is past the 7 year limit with an incorrect opening date of 2014. I did not open any student loans in 2014. TransUnion is not requiring proof of information when they conduct their investigations, and they refused to provide me with the verification of accuracy when I called them. They just told me it was verified but that they could not send me the documentation.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

The JP Morgan Chase Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage was paid in full to Dovenmuehle in XX/XX/XXXX and they stated the cut the escrow refund check XX/XX/XXXX and mailed it the same day. After waiting a couple of weeks, I called and let them know that I had not received the check and they informed me that I would need to wait for a for 30 days to call and request another text to be cut. I called back on XX/XX/XXXX to do this and I inquired with a customer service rep about my unit number being on the mailing address. She said that it wasnt noted, took my unit number down and said she added it and I should receive my new check no later than 15 business days.

It is now business day 17 and again I have not received the check. I called them again to confirm and ask if they had a tracking number or could send me proof that the actual check was cut and they kept telling me that there was nothing they can do once the check has been mailed except to wait 30 days and repeat the process of canceling the previous check and issuing another one. This is about to be the third time Im calling to request my escrow refund check and it has been almost 3 months since XXXX XXXX XXXX has paid them in full. They had no issue accepting the {$200000.00} plus pay off check from my new mortgage servicer however when the time comes to issue me my {$2000.00} refund check, they are giving me the runaround.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (RI)

Approx. XX/XX/XXXX, XXXX XXXX XXXX XXXX, a collection agent for XXXX negatively affected my credit rating by reporting to the major credit bureaus an account balance for services sold by them in XXXX, IL allegedly to me. I disputed the debt at that time and that negative report was deleted. 

Then in XX/XX/XXXX, IC System, yet another collection agent for XXXX sent me a collection notice for the exact same debt. I denied that it was my debt or had anything to do with me and asked them to provide me with documentation verifying the debt which has not been forthcoming. I have never ever lived in XXXX, IL nor had any account with XXXX. IC System or XXXX never provided me with any proof that the item was my debt. I have never asked for services from XXXX, never lived in IL, never signed a work order of any kind and definitely will state that there is nothing in existence that XXXX can produce that will verify their alleged debt. What they sent me is attached and is not in fact " verification of the debt '' under the Fair Debt Collection Practices Act. It is merely a copy of an invoice made out in my name at the Illinois address. 

Once again, in violation of the Act, and in what I consider is attempted harassment and intimidation, XXXX through its agent has again negatively impacted my credit rating with the major credit bureaus by reporting this as a uncollectible bed debt under my name and social security number. 

My name is fairly common around the world. I have been a businessman in RI for at least three decades. I have multiple professional licenses in RI and NY and have an exceptional credit rating. I have nothing to do with this debt and XXXX and their various collection agents need to stop this practice of harassing and attempting to intimidate unrelated third parties without verifying their own facts first.
Consumer complaint received 2020-11-10
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. (WA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2019-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I called Capital One on XXXX19 to let them know they had reported an inaccuracy on my credit report. It was reported that I was a authorized user on an account and it was delinquent.The first time I called I spoke to a woman named XXXX who tried to help me but sometime during the call we got disconnected so I called back and talk to someone else who transferred me over to another department that supposedly handles these matters.I again spoke to another woman who said she could not find the account that I was speaking about so I ask her who I needed to speak to that could know about it or can help me find out why it was reported by Capital One on my credit report so I can resolve the matter. She then stated again that she could not find any open accounts with my name. So I then ask her if I could get a letter in writing stating that I had no active account with the company and she refused starting various company policies and reasons.She then said she could transfer my call to someone else who could help me with this matter.I was waiting on hold again for an additional 15 minutes and then got disconnected or hung up on once again.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TN)

Never received correspondence from Walmart, synchonity bank? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from XXXX XXXX XXXX asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called XXXX to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.
Consumer complaint received 2018-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

PHH acquired the servicing of my mortgage on XX/XX/XXXX. My homeowner 's insurance renewed on XX/XX/XXXX. PHH notified me that my insurance had expired, despite renewal with the same insurer XXXX XXXX XXXX ). I've placed four calls to PHH to attempt to resolve this issue so that they don't force place an unnecessary policy. The first resolution method provided by PHH was to upload my new binder to XXXX XXXX XXXX This website didn't work when I tried it on two different computers, using two different browsers. When I contacted PHH, they provided me with an email address to email the insurance. When I tried that, I received a bounce-back nearly 24 hours later stating that there was something wrong on the recipient end.

I want this issue resolved, but none of the resolutions work, and I no longer wish to run in circles. I've been reasonable in trying to accommodate their request, and have spent more than enough time to resolve the issue.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I deposited money into my Marcus account starting XX/XX/XXXX. On XX/XX/XXXX, I received voicemail asking for me to call Marcus. I called Marcus that day and was told that because Marcus could not verify my ownership of the account from which the deposited funds were sent, Marcus was going to reverse the transfer within a week. By XX/XX/XXXX, I noticed that my deposits were not reversed and so I called Marcus only to find out that my Marcus account was frozen. The Marcus agents I spoke with could not tell me why my account was frozen and they were unable to send passcodes to my registered phone number on my account to verify my identity. I called again on the XXXX and was told that someone would reach out to me within XXXX business days to fix the issue. No one has reached out to me and so I called today on the XXXX and was told that someone would reach out to me within XXXX business days. This issue has caused a lot of stress given that a majority of my funds are in this account. I would appreciate your assistance in resolving this problem as quickly as possible.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (ND)

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. 

The following creditors have violated my rights. 

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 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 XXXX 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 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Apparently I opened an account on XXXX of 2021. I NEVER DID. I received a call from XXXX XXXX XXXX ( XXXX ) stating that they needed to collect a debt from me. The person that opened the account used my social security number and my name, not complete by the way, and made purchases and paid them and they had the guts to report fraudulent activity on the account that they fraudulent created using my name and information. They then closed the previous account and opened a new one and the payments that they " were making '' on the account were returned and that is why XXXX was contacting me, because " I was late on my payments. '' I never opened the account in the city that it says I did and I never made those purchases either. The email they provided is not even my email. I hope they find the people responsible and that my credit goes back to how it was. It was in the green and now is in the red.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a Jr and my file may be mixed up with my father or worse a stranger
Consumer complaint received 2022-11-18
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. (NV)

XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 XXXX 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 2022-05-13
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 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XXXX XXXX, 2020, I fell victim to a multilayered scam operation orchestrated by various brands such as XXXX XXXX XXXX ( collectively : the Companies  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via wire transfer and debit card, and through an intermediary named XXXX and XXXX XXXX in the total amount of XXXX USD
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I purchased an ( Infiniti FX35 XXXX ) from a car dealer called XXXX located in XXXX, XXXX. During the contract signing, everything was signed digitally on their computer system. After signing the contract, they only gave me the printed copies of the extended warranty 's documents and told me that their printer suddenly developed fault and promised to print and mailed it through XXXX by the following day. 
During this transaction, I made a down payment of {$4500.00} to the dealer, and the signed contract was supposed to be : Vehicle Price = $ XXXX+ Extended warranty = $ XXXX+ Taxes and others = $ XXXX+ Based on the above break down, the total amount was $ XXXX+,. 
My monthly payment was {$430.00}, the term of the agreed contract was supposed to be 30 to 36 months. 
After one month I decided to cancel the extended warranty due to the fact that they refused to fix the car because the car had multiple issues which they did not disclose to me during purchase, all issues came up when I drove the car from XXXX to XXXX in XXXX, the following day I called them up a made a complaint about faults I discovered, they advised me to take the car to a workshop and inform the warranty company, I did just that but the warranty company refused to pay because the cost was up {$2000.00}. 
After I made up to nine months payment consistently, I decided to call up the company that financed the car by name " Credit Acceptance '' and required to know my balance, at that point they inform me that my outstanding is $ XXXX+, and term of the contract was increased to 60 months as against the 30 months which I signed for. 
At this point I asked them about how much they did finance the car, they told my $ XXXX+ I asked them why and how did they pay up to $ XXXX+ because I made a down payment of {$4500.00} which supposed bring down the balance to $ XXXX+ before the financing, at that point they told me '' we know nothing about your down payment, call up your car dealer and ask them ''. 
Both sides have been pushing me around. 
( 1 ) I signed for 30 months contract not 60 months. 
( 2 ) The dealer tricked me they were going to send the contract documents the following day because printer was faulty, till this time the contract has not been sent to me. 
( 3 ) The down payment I made could not be accounted for. 
Please I really need help, I am still new in this country struggling to meet up. 
If I should be paying {$430.00} on a monthly basis, meaning I will end up paying {$25000.00} to the lender adding to the {$4500.00} down payment making it {$30000.00}, I did not bargain for this. 
This car is a XXXX infiniti FX35, with XXXX miles during purchase. 
Please contact me if you need more information.
Consumer complaint received 2022-05-13
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 DEPT OF ED/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.