davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (IL)

This is my fourth endeavor to tell you 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. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXXXXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections Services, Inc. (IL)

On XXXX received a letter from Municipal Collection Services XXXX ( XXXX XXXX XXXX ) regarding a debt supposedly owed to the " XXXX XXXX  XXXX ''. I sent them an email on XXXX requesting they provide any evidence of this debt existing, what it was for, etc. They have refused to respond to me.
Consumer complaint received 2022-06-27
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)

Account : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX. 

XXXX XXXX XXXX  ACCOUNT : XXXX. 

XXXX XXXX XXXX  XXXX. 

15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

And if I did not provide any written statements, that is consider identity theft
Consumer complaint received 2021-11-26
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. (AR)

I receive a response in the mail from Equifax which stated that they had verify inaccurate accounts on my consumer report. I would like to state that Equifax has violated my rights as a protected consumer. Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because I never gave Equifax any consent to report these inaccurate accounts. Equifax has also violated 15 USC 1681b ( 2 ) which states that I the consumer have to give Equifax written consent to furnish anything on my consumer report. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 USC 1681a ( e ) Equifax is suppose to personal interviews with my neighbors, friends, or associates of me. They are suppose to also not report factual information on a consumer report from a creditor. Equifax 's has not interview anyone who personally knows me which make this a violation because they have to interview these people to know my personal reputation. When Equifax reports payment information from a creditor this is personal information which is also a violation. Equifax is also in violation of 15 USC 1681a ( 2 ) ( B ) which states that what should be excluded from a consumer report " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' Under 15 USC 1681 a credit card is define as the same thing under section 1602 ( I ) which states that " The term credit card means any card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I would like to state my social security card is my credit card which is also the credit card I used to begin every consumer transactions which I have listed in the attachments. Equifax has also violated 15 USC 1681 ( a ) ( 1 ) which states the banking system depends on accurate and fair credit reporting because inaccurate credit reports will directly impair the efficiency of the banking system and will undermine mine the public confidence which is needed so that the banking system can function. Equifax has being reporting inaccurate balance for accounts that I have label in the attachments. While Equifax continues to report these accounts they have cause injuries to me which consist of denial of credit, loss of income, XXXX and XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-08
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. (VA)

I received a letter from Transunion on XX/XX/2021 regarding a false account that I have reported to them via mail in several dispute letters. The falsely reported account listed as XXXX XXXX XXXX. Transunion stated in a letter that they sent me that the account was verified. I reached out Transunion and asked how did they verify the debt! According the law I know that I have a right to know how this account was verified. 

Also, according to FCRA 15 U.S. Code {$1600.00} ( XXXX ) ( a ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from a consumer report. How is it that they can report this information based on what a creditor told them without having proof of the account! 
Sending over a final bill that was altered is not PROOF! 

This is my final attempt to get this false account deleted from my account before I take legal action and sue for EVERY violation from this XXXX XXXX XXXX people and Transunion. This has been damaging to my credit and I haven't been able to find a decent place for me and my kids to live because of it. 

Thank you for your time and help in this matter and hopefully we can get this resolved finally.
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX ) account # XXXX violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Consumer complaint received 2021-09-24
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: HCFS Healthcare Financial Services of TeamHealth (OK)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (FL)

Case # XXXX. Truist bank decreasing my spending limit. Is a breach of contract. Im enforcing my basic consumer rights to be informed. The right to redress. The right to service the right to choose. Also Im enforcing my consumer responsibilitys. Right to safety. I applied for credit card with an application. Which is a consumer credit transaction. With truist bank. I was given XXXX for my original credit limit which is the original contract agreement they then lowered my original credit limit to XXXX which is a breach of contract. I have the right to credit. Withholding my access to my securities is security fraud. You are violating the equal credit opportunity act. And consumer protection credit act. Since you are denying me my full amount of credit. Please retract my application. Thank you. XXXX XXXX agent to XXXX XXXX XXXX federal reserve section 16 part XXXX states granting right to issue notes the board of governors of the federal reserve system shall have the right acting through the federal reserve agent to grant in whole or in part or to reject entirely the application.of any federal reserve bank for federal reserve notes. But to the extent that such application my be granted the board of governors of the federal reserve system shall through its local federal reserve agent supply federal reserve notes.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX  issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending. 
I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.
Consumer complaint received 2022-06-27
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. (CA)

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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2021-10-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

This complaint is related to ongoing issues I am having to finalizing a loan modification with Caliber Homes Loans, namely their poor communication tactics, and failure to properly receive and process payments. I have previously expressed concern with Caliber 's refusal to allow me to make ACH payments online, due to the fact that a couple checks I have sent them were either lost or stolen, and Caliber failed to inform me of those check 's status. Now I am concerned about losing the loan modification I was asked to make trial payments on, I have been attempting to communicate with them via the provided email ( XXXX ) and emails are frequently ignored, or if responded to are weeks late and do not address my concerns at all. There seems to be some disagreement between myself and Caliber as to the amount and schedule of payments due, and due to the refusal of Caliber to communicate with me or other parties involved, I am concerned about losing my home. 
My concerns were referred to the DOJ for mediation ( DOJ XXXX Complaint XXXX XXXX ) through the XXXX XXXX and I indicated I would be interested in participation in mediation with Caliber to reach a mutually beneficial resolution. Caliber failed to respond to this request and it has been considered a refusal to participate. They also frequently ignore a housing counselor at the VA who is trying to assist me, XXXX XXXX. This is an ongoing pattern with Caliber where they ignore people who I have asked for assistance, and it is virtually impossible to get any sort of transparency from them. 
I am also concerned by some of the information on Caliber 's website indicating they are a military and veteran friendly lender. I am a XXXX veteran and given the ongoing XXXX issues I have explained above, I find Caliber 's claim on their website that they are a " military friendly brand '' highly deceptive. Quite frankly I feel that Caliber is a predatory lender and their poor treatment of me and refusal to honor my requests for reasonable accommodation quite contradictory to the image they present on their website. I would never have chosen to do business with this company, but they bought my loan. Once I bring my account current, I want nothing more than to refinance with a lender who is trustworthy.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act, XXXX, XXXX and Experian have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need Experian, XXXX and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have been trying to pay several Comenity Bank cards since Thursday. They keep telling me their system is down. I tried to call today and the message said they were closed for the day. I am worried about getting late fees for a problem that is not mine. It was for my XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All Rewards XXXXXXXX XXXX XXXX IKEA cards. The payments are due on or around the first of XXXX. Are they having a problem or do I need to worry?
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NY)

Disappointed with XXXX XXXX XXXX I have been a long-time customer of Wells Fargo and recently took steps to improve my financial health by paying down {$5000.00} of my {$12000.00} credit card balance to reduce my credit utilization ratio and improve my credit score. Unfortunately, after making this significant payment, I was disappointed to see that my credit limit was reduced by the exact amount I paid, effectively nullifying my effort to lower my credit utilization ratio.

This action feels counterintuitive and gives the impression that Wells Fargo penalizes me for my responsible financial behavior. The reduction in my credit limit has negatively impacted my credit score, which is the opposite of what I was working to achieve. I would appreciate it if the bank re-evaluated this policy to better support customers who are making an effort to manage their finances responsibly.
Consumer complaint received 2022-08-22
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2021-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (AZ)

I lived in student housing with everything included. Once I moved I received a bill for XXXX XXXX. I called advised that everything was included in my lease and monthly payment. They advised me to rewatch out to the apartment complex and when I did they referred me back to XXXX XXXX. After speaking with debt collector again agent advised she would submit dispute and follow up. And its still reporting on my credit and Im still getting harassing calls regarding it
Consumer complaint received 2021-09-04
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. (TX)

Good morning, XXXX failed to notify all 3 major Credit Bureau ( Experian, XXXX  and XXXX  ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America allows most consumers to withdraw up to {$300.00} in cash as an overdraft. Unfortunately due to COVID-19 and unemployment, I became dependent on the {$300.00} overage limit as part of my monthly budget. I have paid {$1900.00} in overdraft fees from XX/XX/2021 to today. In early XXXX, the bank turned off my ability to withdraw the extra {$300.00}. Obviously this caused great consternation. However, I accepted it and was told it would be re-evaluated in six months. Instead, the bank then turned my ability to withdraw the money on again a few weeks later without notice. All of a sudden I was incurring overdraft fees for repetitive monthly charges that had been being denied by the bank. I asked the bank to refund these fees due to lack of notice and they refused. Then the bank again turned off my ability to overdraft the account. This also caused great consternation. I don't think it is fair that the bank can turn this dependence forming and fee generating service on and off again without notice.