davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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)

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The Capital One Account/XXXX XXXX XXXX debt of {$530.00} was paid on XX/XX/XXXX. 

XXXX XXXX XXXX/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Empire Financial Services, Inc. (MO)

There are a few violations I feel like are unfair with my loan, and when I have tried to reach out to resolve. There has been dismissal, and rude representatives. 

1. There was never a disclosure or mention or consent to/of GPS tracking inside of my vehicle within my agreement/contract, proven by assisting in repossessing my vehicle from an undisclosed location. I called to discuss this when my vehicle was recovered and the representative said they checked my documents and there is a document baring my signature consenting to the GPS tracker knowing my location. When asked for this said document, there has been no evidence and noncompliance in providing me this document. I have a copy of this document and there is no mention. 

2. Due to coronavirus, I was unable to pay in XXXX and XXXX, and a verbal agreement acknowledged by email on XX/XX/XXXX of my application & approved for unemployment. I was able to make minimum payments from my savings until that ran out and before unemployment was actually sent. Therefore made me unable to make a few minimum payments until new employment came in XXXX. I was unable to get ahold of the manager to update on new job until XXXX and when contacted, was then refused the ability to refinance as once before agreed upon on XX/XX/XXXX, and leading to my car being repossessed on XX/XX/XXXX. 

3. I placed an inbound call to the financial department to leave a message for the manager to call me back to further discuss the arrangement on XX/XX/XXXX. I was greeted by a rude receptionist who tried to collect a payment on the call disclosing details of my debt without my consent nor verification while disclosing and trying to discuss details of the loan. This call got heated as I refused to discuss this matter with this said representative, I proceeded to hang up and call back to request a manager to make them aware. This same representative called me back on a non business day ( Saturday XX/XX/XXXX ) to leave a hostile voicemail instructing me to call back to her specific said department/extension. Nothing was done when I reported this harassment matter within the proper channels as instructed by my sales representative. 


I feel treated unfairly and dismissed and having a repossession was not my intention and I do not feel as though it is warranted in these unprecedented times.
Consumer complaint received 2020-09-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2019-11-02
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: Experian Information Solutions Inc. (WI)

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Family First Funding LLC (NJ)

I refinanced with Family First Funding LLC on XX/XX/XXXX and was told not to make a mortgage payment for 2 months and expect escrow of about {$4000.00}. On XX/XX/XXXX the old mortgage company XXXX XXXX deducted my payment from my account. Contacted XXXX XXXX and was told that XXXX XXXX XXXX had sent the payoff on XXXX/XXXX/XXXX to XXXX XXXX, but XXXX XXXX had not received it as of XXXX/XXXX/XXXX. I was directed to XXXX XXXX XXXX XXXX and the agent told me the money had been " intercepted ''. Upon questioning I was told that because of my name and background and religion the money was " intercepted '' and had to be checked out. Then in mid-XXXX XXXX XXXX XXXX once again takes out my old mortgage payment because they still have not received the payment. I stopped the payment. At the end of XXXX XXXX XXXX reported that they had received the payment but because of late fees and penalties my escrow was only {$1500.00}. Meantime XXXX XXXX sold the mortgage to XXXX XXXX. I made my XXXX XXXX mortgage payment but received a letter from XXXX that the company had shorted the escrow and that I owed an additional {$960.00} in interest and penalties. Every agency tells me that there is nothing they can do and will not speak with my any more.
Consumer complaint received 2020-10-12
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. (IL)

XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have two XXXX. An Awards ( ... XXXX ) card and a XXXX XXXX XXXX ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX XXXX Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX XXXX XXXX XXXX were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a XXXX past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance XXXX credit ). 

On XX/XX/XXXX, I received two letters from XXXX XXXX attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... ..
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, I ( XXXX XXXX ) received a call from caller ID Vermont, phone number XXXX, saying he was calling from the social security office. He said he knew my social security number ( and he did ), and said that others had used my social and I was in trouble becuase of what they had done. I then received a call with Caller ID XXXX Precinct. He told me i had better cooperate with the social security caller or i would be arrested. 
I was instructed to wire all my money from my bank, Chase Bank, to XXXX XXXX XXXX, and I was given an acct name and acct number and routing number. In a panic i went to Chase and wired the money, all {$18.00}.  that I had, all the money I have in the world. Chase saw my panic. Chase knows about phone frauds and scams. But Chase didn't say a word and even now Chase is not helping me to get my money back. 
XXXX XXXX XXXX phone : XXXX XXXX XXXX
Consumer complaint received 2018-12-08
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. (FL)

Equifax are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. As of Today, I still have not received any valid proof of verification from Equifax yet they continue to report the items as accurate and verified. These account are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

Ive set number of emails at least six to Miss XXXX from the collectors of {$150.00} that was paid in full on two separate payments the same hour same day XX/XX/2020 I will contact her for five times I left voicemail messages for her I still have not gotten back to me as of what is going on what is still sitting on my credit report nothing is being done her name is XXXX XXXX
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (AL)

I have a closed account on my Experian report that is reporting inaccurately. The payment dates are all wrong and it has a recent reporting date in XXXX, even though it was closed in XXXX. Experian is not removing the account and the inaccuracies are STILL there. I have disputed these inaccuracies and requested that they remove this account due to the inaccuracies however they have failed to do so.

Note- This only account is NOT on my XXXX Note- This only account is showing different information on XXXX  than what is showing on Experian. None of my 3 credit reports match because of this account and the inaccuracies. 

I want this account removed off my credit report IMMEDIATELY due to inaccurate information. 

Account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (UT)

I received a debt collection notice from Global Credit & Collection Corp dated XXXX/XXXX/2109 and I sent them a response by mail within a week that I do not owe the debt that they are trying to collect. 

On XXXX/XXXX/2109, I received a phone call from Global Credit & Collection Corp asking me to pay the debt. I told the representative that I did respond to their inquiry and not to contact me any longer I would like them to remove me from their contact list since I don't owe the debt they are trying to collect
Consumer complaint received 2017-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (FL)

XXXX Account is reporting incorrect on credit file. Experian was sent documentation from XXXX> The account went 30 days past due 7 years ago, then 60 then 90 ... Experian has failed to correct my file although I sent them a letter from XXXX. They have failed to properly address my complaint and also have blocked me from disputing online. I can not dispute anything online although I pay for their service. XXXX and XXXX corrected the account Experian merely ignores my request. The account 's history is 7 years old and the history should have dropped off with the Chapter XXXX. In any case the other bureaus corrected it when I submitted the letter.
Consumer complaint received 2020-07-06
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I recently refinanced through Amerisave mortgage. They have failed to pay XXXX 4th quarters taxes. I contacted them on XX/XX/XXXX after I received a tax sale notice from my town. I also emailed them a copy of the notice and the tax amount that was due. They failed to pay by the end of XXXX. On XX/XX/XXXX, I received another notice from my town regarding the taxes owed and the upcoming tax sale. I contacted amerisave mortgage once again and forwarded them a copy of the tax sale notice. I received my monthly mortgage statement and observed that I had XXXX in my escrow account. I contacted my towns tax office and was advised that the taxes were still not paid. On XX/XX/XXXX, I received that last of the tax sale notice. I contacted amerisave mortgage again and was told they sent a partial payment on XX/XX/XXXX. I contacted the tax office and was told they have not received any tax payment. The tax sale is scheduled for XX/XX/XXXX. As of this date, XX/XX/XXXX the taxes have not been paid.
Consumer complaint received 2017-12-19
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. (OH)

Transunion, has been advised, and I have tried to remove multiple names reported on my credit report. I do not go by any of these and never have. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The only way I spell my name is XXXX XXXX. I have tried to delete these as well as contacted Transunion to delete them. After several attempts I have had no success.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (CA)

I opened a new TradeStaiont Crypto account for the {$500.00} bonus on XX/XX/2022. I have met all the requirements of their term. And I have waited more than 70 days for the bonus. I contacted them about the problem with my bonus. But they replied to me with different terms to refuse me the bonus I earned. I have their old term screenshot from when I opened the account. And the screenshot of their new term on their website now. They are a company cheating the customers. Please help me, don't let this kind of company keep cheating the people.