davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX of the XXXX XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : XXXX XXXX XXXX XXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Western-Shamrock Corporation (TX)

I have a mail check loan I had applied for and XXXX XXXX so was unable to work. I tried to make payment arrangements but the lady XXXX threatened me with having the sheriff serve me at my job. I called back and spoke to a supervisor there and she threatened to have me served at my job regardless of me stating i didn't want them contacting my job and when I asked for her FTC number to filter a complaint she hung up on me and then wouldn't answer phones anymore.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I received a text from XXXX XXXX if I had sent {$3500.00} in a zelle transaction and to reply yes or no. I replied no and received a call a minute later. I was coerced into sending a zelle transfer to myself for {$3500.00} to avoid losing my money. The scammer was able to spoof the banks phone number. XXXX XXXXXXXX XXXX  are refusing to refund my money because I sent the money willingly, despite their {$25.00} XXXX dollar profit margin. I filed a police report. I dont understand if my money is FDIC insured to {$250000.00} why they cant refund my money.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (AR)

On XX/XX/21 I received a XXXX XXXX credit card in the mail that had a secondary card with another persons name on it ( that I did not know ). After contact XXXX XXXX it was apparent that I was a victim of id theft. I ran my credit and saw two other accounts- XXXX XXXX and Avant Bank. i contacted both companies on this date to report. XXXX XXXX closed it down immediately. Avant Bank told me no card had been issued so they could not close. I checked my credit report daily and soon discovered that a card had been issued by Avant bank and a {$39.00} charge was made on XX/XX/21 ( 22 full days after I reported the fraud to them ). I contacted them and set them copies of the police reports etc. To date, they still have not acknowledged the fraud or closed the account. I have requested multiple times and sent in all the paperwork requested. Each time I do they ask for more paperwork. The police office handling my case has even called them. I have submitted this also through Identitytheft.gov and sent that letter to them.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : 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 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 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 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 Equifax 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
Consumer complaint received 2017-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated (CA)

This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Conduent Incorporated (FL)

XX/XX/2022 I made a call to my XXXX XXXX debit card call center ( XXXX their phone number is XXXX, is a card issued by XXXX bank. ) at XXXX, I was assisted by a guy named XXXX and the call took 34 minutes, I called here because I was trying to send some money to my sister a couple times so she can take out and it didn't let me it was saying to call to the call center, and I couldn't cash it because I didn't have my card so I told him I didn't have the card right now so he literally deactivated my card and now that my card is deactivated my account is active, he didn't ask for approve to do this, i told him about my situation, there's a hurricane coming to Florida and I need to send this money to my sister for personal important reasons, and he literally deactivated it now I can't do nothing, I don't know what to do, he told me I could choose between 2 options, or go get a replacement to my work 's office ( which is closed right now because of the hurricane ) or ship it and it would take from 5 to 14 days, but none of those options would work for me, and I told him that, so he just didn't want to solve the problem, I just needed that money right now and now I can't do nothing literally. Then after the call ended I told him I wanted to take the survey and I don't know why but it wouldn't let me, it said something like " surveys are not available right now '' but I wouldn't doubt he did that.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

some of the credit inquiries on my reports I dont recall like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX . I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to screw the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (DE)

On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!
Consumer complaint received 2017-08-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (DC)

On or around XX/XX/XXXX, during the application process the mortgage originator asked me why I had been out of work and I responded " due to medical reasons ''. He probed further and I explained that I have a XXXX. He then went on to ask me what my XXXX was and I explained that I am being treated for XXXX and XXXX. He then asked if I have any supporting documentation to prove that I am indeed XXXX? I explained that I could get a letter my my doctor and I am also willing to write a letter and provide any other requested documentation. My FHA loan was then denied. I was told that the reason was because I had not been on my job long enough, however, I had discussed the possibility if changing jobs with one of the mortgage originators and was told that it would not affect me as long as I did not switch jobs during closing. I also told XXXX XXXX that I had received the go ahead from the referring loan originator that I had just changed jobs and I had been assured that it would not affect my application. I believe that knowledge of my XXXX influence the loan decision resulting in a denial of my FHA funding. This situation has caused me a great deal of emotional distress, it has affected my ability to purchase the home, which will effect me financially and emotionally, especially due to the fact that I have been renting in the same high crime area since XX/XX/XXXX and I am feeling trapped and I have now lost the opportunity to purchase an affordable home due to the fact that my XXXX was used to discriminate against me and deny my loan. I also believe the fact that I am a single one income female coupled with a XXXX led to the denial. XXXX XXXX then had me apply for a conventional loan, which was also denied.
Consumer complaint received 2017-08-26
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: EQUIFAX, INC. (GA)

I disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I have an account with Chase and use mobile banking. 
I was hacked and an unauthorized payment was made through the Chase App via XXXX to XXXX XXXX. 
Because this payment was made through my Chase App, ChasXXXX reviewed the transaction and said it was not fraud. 
Chase then instructed me to file a complain with XXXX.

Chase and XXXX both deny any accountability and neither will help to resolve this fraud. 
In order to for XXXX to further investigate they need the email or phone number used for the XXXX payment. 
Chase will not give me the details of the payment I made - citing customer privacy. But this is my account and in order to make this payment, an email or phone number must have been added? Which I do not have because this is fraud. 
This is a terrible abuse of power and lack of concern for the consumer.
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NJ)

On XX/XX/XXXX I received a line of credit from this company. I had a draw, and easy payments, that I managed well for 2-3 years. I got offers to get a credit card with this company. I have 2 separate accounts, the second was XX/XX/XXXX. I can not find transactions to match these totals ( {$3400.00} ), for the older, and the newer ( {$3300.00} )., I called the company and asked for a freeze, ( payments for both were at {$400.00}! ). 
They froze and stopped acct., but interest has been accruing for many months!!. 
I can not find legitimate transactions for this exorbitant amount. 
I called and talked to XXXX XXXX, " begging '', as a single mom, asking for a review., asking for a stop of charges ( he reports literally were tough, nothing we can do and we are not reviewing your account! ), even corrected my speech a few times! ), How did I get to ... approx., {$6800.00}. plus!!! ( where are transactions??? )., and if legitimate I must negotiate a settlement, if my credit is destroyed right now, housing is at risk ( I rent! and may not have my lease resigned ). I am a healthcare worker, struggling. 
I am a single mother and have XXXX XXXX, this situation is keeping me up at night and endangering my health! I am formally requesting an entire review of my account with a negotiated settlement amount. ( I have paid fairly for years! ), if the amount is negotiated I will do my best to pay in full and be rid of this awful bait-and-switch company. INTEREST accruing daily! 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My manufactured home mortgage payments are being allocated 66 % interest and 34 % principal. On my statement ( see attached ) it says interest rate 10.75 % actuarial. I sent an email to DITECH customer service on X/XX/17 and have not received a response.I am trying to get an explanation from DITECH why I am paying an interest rate of 66 % per month while on my statement it says 10.75 %.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

1- XXXX XXXX  : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX XXXXXXXX XXXX XXXX XXXX : Don't recognize this account, when XXXX came a lot of people was doing fraud on accounts and i think mine was one of them.

3- XXXX : Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (AZ)

A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. 

The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX  which immediately lowered my credit score by 100 points. 

I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. 

The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).