davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc. (KS)

XXXX XXXX with Midwest Service Bureau ( Collection Agency located in XXXX, KS ) has been harassing me for the last XXXX months regarding my medical bill that was sent to them by Kansas XXXX XXXX. He calls me multiple times a day at all hours and throughout the weekends as well. I had attempted to set up a payment plan with them and through what appears to have been a misunderstanding that I have attempted to resolve with him politely and professionally only to be verbally abused, threatened, and talked down upon in each of our conversations that have led to nothing. He uses highly inappropriate language often cursing throughout our conversations completely unnecessary and seems to think that it is okay to say that the entire situation is my fault because I had ignored my unpaid balance for so long that it must be taken care of immediately by actually setting a deadline for me of XXXX days to do whatever it takes including calling family members, friends, charitable organizations, co-workers, etc. to loan me the money that I owe HIM. He claims to work for Kansas XXXX XXXX by saying theyve hired him to collect the debt for them as if he himself is going to personally send the funds directly to them upon receipt. He also claims there have been multiple Representatives that have tried to work with me to no avail, yet I have only ever spoken to him and have never communicated with anyone else at the company. This medical expense originated from a diagnosis of an XXXX XXXXXXXX and emergency hospital stay that lasted over a week. I was unemployed at the time due to XXXX and upon my diagnosis, was unable to work full-time for 6 months. I am also currently going through a lengthy and costly divorce that started back in 2019 and has yet to be completed- this has brought even more financial hardship. I am just now able to start catching back up financially. XXXX XXXX behavior is unacceptable and I will be filing a police report.
Consumer complaint received 2022-04-22
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. (FL)

I have tried to fix this with XXXX XXXX 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXXXXXX XXXX that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXXXXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXXXXXX XXXX on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (MI)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-04-05
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. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EQUIFAX and there is no third party involved. EQUIFAX has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE EQUIFAX VERIFICATION METHOD. WITHOUT RECOURSE.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (TN)

I revoked my ACH on XX/XX/XXXX with Avio Credit. I got confirmation from them via email on XX/XX/XXXX. I talked with a representative confirming they would cancel on XX/XX/XXXX the ACH for XXXX. They still took out the money and admitted that I had confirmed it wouldn't hit my account. I was going to make a final payment for the balance. They are now saying I had to cancel with them over the phone and the email confirmation doesn't matter. I did call and cancel over the phone and they said that doesn't matter because I had a " promise to pay ''. I asked how I cancel that and they said email and call. Which I did. 

Charge was {$200.00} on XXXX to my checking account with XXXX XXXX XXXX XXXX 

They are predatory and abuse their ability to pull funds.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I put an envelope with a {$63.00} check to XXXX XXXX in the mailbox near my house. The next day a postal worker took my {$63.00} check from the mail and gave or sold it to another man who forged his name on that check as well as a new amount of {$9200.00}. He cashed it at his bank ( XXXX XXXXXXXX XXXX ) on XX/XX/XXXX and my bank ( CHASE ) transferred the money out of my account. 

The postal worker has been arrested ( XXXX XXXX XXXX  ) but here 's the challenge, CHASE won't give me my money back. 

CHASE keeps telling me to wait, but it's been 4 months. CHASE also says it's up to XXXX XXXXXXXX XXXX to put the money back, but it's CHASE I trusted with my money and they took the money out of my account. 

I have the carbon copy of my original check and a picture of the forgery that can be provided. I've filed a police report and have all the documents needed. 

Here is a timeline of my attempts to get the money back : XX/XX/XXXX noticed fraud and called Chase, they said theyd mail me documents and couldn't e-mail them or fax them ( unnecessary delay ) XX/XX/XXXX went to local Chase branch, banker filled out forms, notarized, and faxed them in to Chase fraud XX/XX/XXXX Chase fraud department says they were not received and gave a new fax number. I went to local branch again and they faxed to both numbers XX/XX/XXXX local Chase branch overnighted documents to Chase fraud department and said they were signed for XX/XX/XXXX XXXX XX/XX/XXXX called Chase fraud, documents still not received, asked for supervisor, local bank uploaded documents XX/XX/XXXX Chase finally puts a date stamp on fraud documents, 60-90 day window begins. Received letter Were working with another bank on your check claim XX/XX/XXXX called Chase fraud department, no update XX/XX/XXXX local bank calls Chase fraud department who says they are at mercy of XXXX XXXXXXXX XXXX, which I took issue with. With $ XXXX in revenue, I said they should put the money back in my account instead of waiting for XXXX XXXX XXXXXXXX since they allowed the money to be taken out of my account without any notice XX/XX/XXXX call from Chase escalation department who says there is nothing they can do, just have to wait for investigation to be completed, could be over 120 days XX/XX/XXXX - meeting with local Chase, who tried to have money put back by claims department but was told they don't have the authority and that I should call XXXX XXXX  XXXX XXXX The Chase claim numbers are XXXX and XXXX.
Consumer complaint received 2022-04-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {$2200.00} DPT EDXXXX XXXX Balance : {$3700.00} DPT EDXXXX XXXX Balance : {$2200.00}
Consumer complaint received 2022-08-30
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: NAVY FEDERAL CREDIT UNION (CA)

I am trying to dispute three unauthorized charges on my credit card done by XXXX tourist department on XXXX. 
The card charged was my Navy federal credit union XXXX card. 
After I found out that there were XXXX separate charges on my card, I contacted Navy Federal Credit Union right away. I was really expecting them to investigate and reverse the charges but instead they asked me receipts or any documents. Since I didn't authorize the charges, obviously I do not have any receipts nor documentation. 
Now I don't even know what to do with charges on my card showing total of {$460.00}.
Consumer complaint received 2022-04-05
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. (MO)

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX  ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FIRM, INC., THE (TX)

Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was referred a loan from another XXXX XXXX from Georgia. The loan officer name is XXXX XXXX and her nmls id is XXXX. 
XXXX referred me a loan for XXXX XXXX - property address XXXX XXXX XXXX XXXX XXXX GA. This was a purchase loan. I got the loan approved and we closed the loan. After a month I get a letter from attorney for XXXX XXXX  stating the loan had fraud bank statements and XXXX bank verified that the statements and the details/deposits did not belong to the borrower. 
The borrower couldnt understand English and XXXX was helping us communicate as the translator over the phone. All documents provided were through XXXX email. 
The bank asked me to refinance the loan but they cut all the ties with me. XXXX was the main lender I was working with. The borrower or the loan officer provided fraud documents to close this loan and I have ruined my relationship with the lender as I was cut off from doing business with them. I have all the proof that I did not do any fraud and I have all the chain of emails. The details on the bank statements were done so perfectly that I couldnt rectify as those were fraud, I want to report this against the loan officer and the borrower. I wasnt sure who did it but I want to report this so things like this doesnt happen in future with others.
Consumer complaint received 2022-06-09
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 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
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion credit report is inaccurately reporting accounts and account information that has not been properly verified. Reporting collections as open accounts, reporting collections with past due balances, reporting c/o after the accounts are closed. Inquiries reporting that are not authorized or attached to an account. Personal information that has not been updated reporting phone numbers and employers I am not associated with. I've sent several certified letters requesting this information be updated and as of today, XX/XX/2022 it has not.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For whatever reason my scores are so much lower with Transunion than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. XXXX XXXX XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (TX)

Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within 5 calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (CA)

I have a collection from the XXXX XXXX XXXX for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX years since then but it shows that this was recently purchased. I have reached out to Foster and Monroe via email with no response requesting for any information proving the validation of the debt.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX  ) I have disputed this account as inaccurate with XXXX, XXXX, and Transunion on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Consumer complaint received 2022-03-31
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. (CA)

A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-31
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

INACCURATE REPORTING DIFFERENT DATES OF RECENT ACTIVITY AND DIFFERENT DATES OF DATE OPENED INCORRECT STATUS ACCOUNTS OPEN SHOULD BE CLOSED MEDICAL BILL JUST SHOWING UP TO DROP MY SCORE DIFFERENT AMOUNT OWED