davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (FL)

Received a call i believe from Midland credit. Not sure as person in past saying they are New York attorney very rude about a XXXX account. I offered to pay XXXX each month was advised no thry will only accept XXXX a month which i did not have and told them. Received calls saying there eould be a warrant served at my job. If it did not pay full amount and they did not advise what amount. Another call message they will serve all my adresses and garnish my wages. Then today advised XXXX advised they taking me to court. Service all adresses and my job where i am not as i am working home due to illness. Im not sure who this creditor is. Could be XXXX not sure as creditor never mentioned. I have not received and other communication. I need help!
Consumer complaint received 2022-02-03
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 without 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 XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have been unable to obtain my consumer report from Equifax. I called the number as advised and sent the fax with the information requested however as of today I am still unable to obtain my reports. I need my reports!
Consumer complaint received 2022-07-02
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. (NJ)

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 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NV)

Recurring charges from Square XXXX showing up on my XXXX  account statement even after being issued new cc # by bank. 

1st charge showed up on XXXX  cc acct : XX/XX/21 {$84.00} amount was disputed and reversed, cc # was replaced by bank 2nd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} amount was disputed and reversed, bank rep put a block on company to stop any further future charges, cc # was replaced by bank 3rd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} I have not yet disputed amount with bank yet, but spoke with a fraud claim rep that I go to the company site which has a form to pull up receipts of charges processed with them. Also, the rep says that it looks like recurring charges and they have no way to stop the company from charging again since it's coming from XXXX that's allowing it to have uninterrupted service, XXXX will just update it with the new cc #. Rep says they aren't able to contact XXXX and resolve it either. 

I have contacted the company but only thru a message advocate ( by online chat/messaging ) and he told me that I had to file a police report and then go to their online page to file a " law enforcement information request form '' ( https : XXXX ) for that team to investigate the situation. 
Within the chat window, I sent the rep screenshots of the 3 separate charges from my bank account that showed the trans date, card type, trans type, merchant description, merchant info, ref #, merchant name, etc. of the charges. The rep looked into the info sent but said he couldn't block/close the account that's charging my card but only the team that deals with the law enforcement would be able to do it. 
I have copied all the text in the chat transcript for my records. The rep sent me a copy of the transcript but it's in a format that's unable to open up on my end.
Consumer complaint received 2019-10-22
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX XXXX 
XXXX**** XXXX/XXXX XXXX****
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX where I obtain a cashier 's check in the amount of {$14000.00}. 
I deposited into Bank of America that same day at Bank of America ATM .... I discovered MondayXX/XX/XXXX that there was a 10-day hold on this cashier 's check .... looking at the receipt it stated that the reason for the hole on the cashier 's check is because of a possible return. I call XXXX XXXX and they said it was an excessive amount of days to put a cashier 's check on hold because it's guaranteed and the money was definitely in my account when I got the cashier 's check drawn .... as a matter of fact they would have given me the cashier 's check had the funds not been available in my account. XXXX XXXX told me to tell Bank of America if they need to call and verify the funds do so and they would verify ... XXXX Bank of America would not call XXXX XXXX .... as a matter of fact I spoke with a supervisor by the name of XXXX who continuously told me that there was nothing Bank of America could do about holding this cashier 's check for 10 days I also spoke with a customer service rep by the name of XXXX who said the same, nothing they could do. 

I called one last time to Bank of America yesterday XX/XX/XXXX to confirm that they still would not take the whole off this cashier 's check because I have gotten behind in my bills I had very important Financial obligations I needed to take care of I lost out on a very good deal of an automobile I needed and they would not answer the phone ..so I called back again and I left my option in the automated system to get a call back in 30 minutes ... when they call back I press 1 to accept the call and the system hung up the phone ... I never got to speak anyone on the second attempt of confirming they were going to hold this cashier 's check another 3 days. 
I said to the supervisor why don't you put a disclosure note at the ATM machine about cashier 's check if you're going to hold them for 10 days ... .a cashier 's check is guaranteed.. in other words I truly believe discrimination here ... I am a XXXX man I have had more problems in Arizona than anywhere in the world and I've been over 45 different countries during my XXXX  career and not once have I experienced as much as I have here ... I would like the most firmest legal action taken for this matter that's possible. My
Consumer complaint received 2022-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AZ)

I became aware on XXXX that the XXXX half of my property taxes which were due on XXXX had not been paid. My taxes and insurance are paid from my escrow, by United Wholesale Mortgage. I called UWM and spoke with a representative on XXXX. I explained that I am in the process of obtaining a Home Equity Line of Credit and was informed by the HELOC lender of the tax issue. This is the only obstacle preventing me from receiving my loan. The lady I spoke with had put me on hold while she went to find out information about my call. When she got back to me, I was told that they had made a mistake and this issue was an oversight. I was told the issue would be resolved in the next XXXX to XXXX hours. I asked for a call, email or any type of confirmation that this issue would be resolve. I was told she put in the notes that I was to receive a call on XXXX. I had not heard anything from UWM today, XXXX and I had called them at XXXX pm XXXX. After explaining the issue with the representative, I was informed that they can take XXXX to 14 days to answer my questions and actually could take up to 60 days. This matter should have been delt with when the taxes were due. The negligence of UWM can cause me to lose the window of the construction upgrades I had planned for. This can be resolved by me paying the tax bill. Although its an option, they should have paid the bill when it was due! I pay my mortgage on time!
Consumer complaint received 2022-06-29
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and 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 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I am currently a Chase account number with a college account through my fathers account at some .6 months ago a fraudulent purchase was made on his account they did not notify us of this fraudulent purchase instead they told us six months later that we all need to do accounts we were all worried because we have direct deposit payments which are the Deposited once every two weeks they told us that the accounts would remain open for 10 days the accounts have have remained open from XXXX until now XX/XX/XXXX and response we have all continue to make payments as we previously have with our debit cards chase which has not allowed these payments to go through due to the fact that the debit card was attached to the old Account we have all been into the branch now at least five times and we have still not resulted in having these accounts which have no money in them closed in response multiple companies have not been able to be paid and are now are telling us that we owe them money that obviously we had tried to pay.
Consumer complaint received 2022-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX has charged my Bank of America " Unlimited Cash Rewards '' XXXX  credit card {$5700.00} but I have NOT received any goods, merchandise, or services from XXXX ; I have unsuccessfully disputed this charge with Bank of America which has refused to remove this bogus charge from my credit card ; I request the Consumer Financial Protection Bureau to remove this bogus charge of {$5700.00} from my credit card ; XXXX XXXX XXXX of the XXXX Billing Department at telephone number XXXX told me that he is willing to refund the charge but that he has NOT received any of the money yet from Bank of America and as yet he has no payment from Bank of America to refund on my behalf ; I request the Consumer Financial Protection Bureau to remove this amount of {$5700.00} from my credit card bill ; thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED from my TransUnion Credit Report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-03
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MID-ISLAND MORTGAGE CORP. (CT)

Earlier this year I fell behind on my mortgage payments. For the past few moths I have been trying to work with the bank on a loan modification. First after receiving the letter that my application was complete and no foreclosure proceedings would be initiated, I received a letter from a law firm stating they were starting foreclosure proceedings. I mailed the law firm a letter as well as calling them and have not received a response. I have been submitting the requested documents as they ask. The documentation the bank has been requesting is repetitive in nature and they wast things explained that I have already explained. They seem to be dragging this out on purpose. I have been trying to contact someone at the bank without success. I have left voicemail messages and emails without any callback or reply. The only person I was able to get on the phone on Friday XX/XX/XXXX stated that they are not authorized to speak to me. However they were helpful in giving me phone numbers for FHA. The only contact I have have had with the bank is when they send letters asking for more documentation. The latest documentation they requested by letter was received by me in early XXXX and dated XX/XX/2019 giving me 30 days to comply. I sent the requested documents certified mail which was received by them on XX/XX/XXXX according to the postal service. 
Then, this past Sunday XX/XX/XXXX a strange man showed up at my house around noontime, banged on the door which frightened my wife and XXXX small children. I came running and found that it was a man stating that he was there on behalf of the bank to check the property and take pictures. This seemed like harassment or intimidation on behalf of the bank to me. In this day and age of more frequent home invasions and child abductions, this really frightened my wife. 
I have attached relevant documents, but this is not all the documents I have or have provided for the bank. I have sent the required forms as well as bank statements, pay stubs, spreadsheets detailing my families expenses, HSA tax form and document from health insurance detailing our high deductible plan. I can provide further detail and documentation if you require. 

Mid Island Mortgage Corp XXXX XX/XX/XXXXXXXX XXXX, NJ XXXX I have been leaving messages with XXXX @ XXXX email Miss XXXX @ XXXX XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (TX)

I am ask for help to get this debt that is over seven years old and should have been removed from all my credit reports but still it remains by a collections agency who keeps updating it ever month and I moved out this apartment because the office ask me to move because I have children who are XXXX ill and my son has one of his XXXX XXXX and tried to attack us and my niece called the police and they kicked in the door and was wrestling with my son and destroyed the house and put holes in the wall and the apartments said it was my fault that the police kicked in the door due to my son XXXX XXXX and put holes in the wall and they said I had to pay for it but I feel the police should pay for it not me my son can't help he is XXXX ill so I moved out and she hired a collection agency to put it on my credit reports because I said I wasn't going to pay for something I wasn't responsible for this happen in XXXX XXXX I didn't have any control over the police kicking in my door and putting holes in my walls I also have pictures of my apartment and the holes in the wall was fixed and the office came and fixed the door and she told me that she was going to make the police pay for the walls and doors they tear up but she lied she put it on my credit instead NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX {$5200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$5200.00} {$5200.00} Payment Info Original balance {$5200.00} Balance {$5200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements- Contact XXXX XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit BureauXXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX