davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (SC)

TRANS UNION, XXXX, AND XXXX  ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF:
1. 15 US Code 1681 b 2 - 
2. 15 US  Code 1681 c 2 -
3. 15 US Code 1681 e b -
4. 15 US Code 1681 a 2- 
5. 15 US Code 1692 C C
6. 15 US Code 1692 G
7. 15 US Code 1602 P
8.15 US Code 1601

ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account # IXXXX  I. Complaint : I am filing a complaint against IQ Data International , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Disputed Debt and Revocation of Communication : I dispute the validity of any and all debts IQ Data International claims I owe. I revoke all consent to be contacted by IQ Data International via email, text message, or phone call. 
XXXX. Debt Validation Request : I have requested debt validation from IQ Data International but have not received a response as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). 
XXXX  Purchase Agreement and Licensing Information : I request a copy of the purchase agreement between the original creditor and IQ Data International. Additionally, I request proof of IQ Data International 's licensing and bonding to collect debt in the state of Texas, as mandated by Texas XXXX XXXX. 
XXXX  Violation of FDCPA : Non-existent Debt Verification : IQ Data International has not provided debt validation information in violation of 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they placed a collection notice on my credit report. 
False & Deceptive Practices : IQ Data International is violating the Fair Credit Reporting Act ( FCRA ) by using false, misleading, and deceptive means to collect a debt ( 15 U.S.C. 1681s-2 ( 7 ) ( A ) ).

Failure to Provide Dispute Opportunity : IQ Data International has not provided a reasonable opportunity to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX Requested Relief : I demand complete validation of the alleged debt, including the original creditor, purchase agreement, and account details. 
I request IQ Data International remove the collection notice from all my credit reports.

I request IQ Data International cease all communication attempts until the debt is validated. 
XXXX. Supporting Documents : I will attach copies of any relevant documents to this complaint, including debt validation requests sent to IQ Data International and any communication received from them. 
XXXX. Warning : I am aware that filing a frivolous complaint is a violation. I believe, to the best of my knowledge, that the information provided in this complaint is accurate and truthful.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

This dispute is due to a {$29.00} final payment that was due and paid via checking account and payment cleared on XX/XX/year>. Per the representative. the check was returned by my bank. when checking my statement the payment was processed which made my final payment, but several late fees were charged to me and reported to the credit bureau tremendously reducing my credit score to XXXX and I've XXXX been below XXXX. I've asked to have the late fees removed because I've satisfied the account, and now it's reporting to the bureau, I ; ve also tried to pay with the Bureau of Public Debt which they are not allowing me to because it's already being used by them double dipping.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (NV)

Yes, I'm writing so everyone can see how horrible this service that i'm getting from Bread Rewards from XXXX, I files a dispute against XXXX XXXX XXXX that was made on XX/XX/year> because they made a mistake on my burger and have given me a damaged gift card and I have tried to contact them numerous of time but nobody would seem to pick up their phone! and they never gave me my recipe! and the credit card company told me that they would handle this dispute through the message center since i'm trying to save some trees and paper! but weeks has gone by and i asked for an update and now they are telling me that I would need to re submit my claim and write them a letter and send it to this address : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX now they want me to go out of my way and buy a stamp and use more paper?? really? and they are giving me a time frame to do this why we can't give them a time frame to get it done and help us with our time?? what service is this?
Consumer complaint received 2023-08-08
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. (SC)

TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (PA)

This XXXX XXXX XXXX XXXX XXXX XXXX has a credit file on me but does not even report in my state of residency of XXXX. There is not even a way to dispute the fact that i was a victim of identity theft as they don't have an option to contact in my state.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

Regarding bankruptcy records case numbers XXXX, XXXX, XXXX, XXXX and XXXX This is Willful non compliance How did you get this information, and paperwork that supports this claim Bankruptcy courts do not report bankruptcies I have previously disputed with you and in response you VALIDATE the items as accurate stating that you have validated the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

On the date of I believe my graduation party on what appears to be XX/XX/XXXX I sent my sister out with my debit card and phone to add the cash to my debit card from my graduation I had about XXXX dollars from my parents and relatives however I wasn't able to add that instantly so I sent my sister out to get some XXXX between 2 days put onto my cash app card however she would go on to later while I was sleeping use my phone keep in mind she's my step sister and XXXX XXXX  and is heavily self-centered not her own fault she would use my money on some kind of peer-to-peer trading platform that I'm not able to find out what it is to but XXXX dollars worth of XXXX  I wasn't aware of this because I don't use my cash app for anything other than subscriptions such as XXXX XXXX XXXX XXXX and occasionally restaurants or XXXX  there is no record of me buying XXXX  at any point that I remember I'm personally not interested in it and there is no way in the last 2 months that I have bought any XXXX  now cash app claims that quote on quote according to what I'm seeing that I authorize this purchase however I did not and I'm not sure what to do ... the {$700.00} was sent to somebody named XXXX XXXXe and I'm not sure who that is and I've never sent money to him at all until what apparently is XX/XX/XXXX at around XXXX and I'm not sure what to do... much help would be appreciated as when it comes to cryptocurrency there's not much I really can do and there's no way I can prove or disprove that I gave permission.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

To Whom It May Concern : JP Morgan Chase Bank NA, closed all my credit cards without notice while I was traveling. I was stranded, embarrassed, and harassed for not having a working credit card despite the cards working for pre authorization. 

Without notice, JP Morgan Chase Bank NA, closed the following cards which I have used for nearly XXXX years interrupting my personal and business banking for no reason. 

XXXX XXXX ( Annual fee ~ {$600.00} x XXXX years_ XXXX XXXX ( Used for Business Purchases in the amount of ~ $ XXXX ) XXXX  XXXX ( Used for XXXX ) XXXX XXXX etc. 

There was no communication regarding the account closure. In fact, I reached out to my Private Client Banker " Branch Manager '' XXXX XXXX and " XXXX XXXX '', XXXX XXXX without a response despite numerous phone calls and emails. 

I also asked for signed terms and conditions since I have been a XXXX XXXX customer since XXXX. Nothing was provided. 

XXXX
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

The account in question is a Fidelity Credit Card. I have automatic payment on full balance due, debited to my bank account. However, the debit shown on my bank account is as follows : The debit description is VAGUE. It just shows this : ACH Withdrawal CARDMEMBER SERV WEB PYMT. 

XXXX, the service provider for Fidelity needs to update this notification to show it is from XXXX and WITH THE NAME OF the appropriate credit card account. 
A more appropriate debit description would be : ACH WITHDRAWAL, XXXX, FIDELITY CREDIT CARD. 
I warned XXXX via email on XX/XX/year> that I need a written confirmation that this will be done asap, if not I will be filing a complaint with Federal Banking regulators as potential fraud, as the description is vague. 
I got no reply. 

XXXX XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (NC)

I have XXXX XXXX accounts with Optum financial. The first was through XXXX HR/payroll management company on behalf of my employer. My company changed payroll providers to company XXXX, resulting in me receiving a XXXX XXXX XXXX account. I wanted to invest the excess funds in my XXXX XX/XX/XXXXas I had been doing in my XXXX XX/XX/XXXX. I attempted to do this in XXXX, but the XXXX website said that my XXXX XXXX was not eligible for investments. No one at company XXXX or XXXX has been able to explain to me why this is the case ; both parties say that there is no reason the account should not be eligible. As a result, I am unable to take advantage of XXXX of the primary benefits of the XXXX structure. 

On approximately XX/XX/XXXX, I contacted XXXX support and was told they would look into the matter. I was given a reference number : XXXX. After about 10 days, I contacted them again on XX/XX/XXXX asking for an update. I was told that I needed to liquidate all investment funds in the first XXXX and close my XXXX account, as I could only be enrolled in XXXX investment account. The reference number was XXXX. I asked for clarification on what a XXXX account was and received no explanation, only a contradictory statement saying that " As long as there are available funds to invest to then you can invest your XXXX funds to them. '' The reference for this statement is XXXX. 

Despite the lack of clarity in these instructions, I liquidated all investments in my old account, moving them back to the savings portion of the XXXX. This did not resolve the issue and on XX/XX/XXXX, I asked again for their help in determining why. They told me to wait XXXX business days. Reference XXXX. 

On XX/XX/XXXX, I requested an update and was told to wait XXXX business days. XXXX. 

On XX/XX/XXXX, I called the assistance number provided in the emails, and when I spoke with a representative and explained the situation again, they stated that the problem was on their end but provided no additional information. When I requested a status update on the previous reference numbers, they stated that there was no report of/about those reference numbers. Based on that information, I am not confident that anyone will work on resolving this without outside pressure.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NJ)

My identity was stolen and a charge card ( My Place Rewards Card ) was opened at the XXXX XXXX XXXX retail store on XX/XX/XXXX. A fraudulent charge was made on the account for {$230.00}. I was not aware that any of this was happening. I never received a statement in the mail or any other correspondence from Comenity Bank that this transaction or the credit card that was opened happened. The way I found out was I randomly ran my credit report a few months later and had seen that my credit score had dropped over 100 points, then I looked at the report and saw the fraudulent charge on the report that was never paid. I called Comenity Bank immediately to resolve this issue and spoke to their fraud department and they said they would take care of it right away. Well they didn't take care of anything. I received a letter from another company called XXXX XXXX on XX/XX/XXXX looking to recover the debt from me. So instead of Comenity taking care of the fraudulent issue like they told me they would, they instead sent the balance on the card out for collections. I spoke to XXXX XXXX twice about this issue and they said they were not going to pursue the debt collection due to the fraud that I experienced. Unfortunately this fraudulent charge is still on my credit report and I want it removed and my previous great credit score restored. I apreciate any help you can provide. Thank you.
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (FL)

UWM Mortgage company issued payment from escrow to XXXX XXXX XXXX XXXX. The home policy was canceled and refund back to UWM mortgage company was issued. XXXX through UWM Mortgage was sold to a new company XXXX XXXX. UWM says they sent a refund check to XXXX XXXX to refund the escrow account. Nothing has happened and UWM keeps giving me the run around for the money. It is {$4500.00}. I have called both companies numerous times and can not get a straight answer where my money is. I was given a check number the refund was issued under. I feel I need to get lawyers involved and sue for my refund and damages.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (VI)

I am writing to formally complain about the illegal and inaccurate reporting of information on my credit report by CONSERVE Collection Company. When I contacted the creditor to validate the debt, the information provided was incorrect. I was informed that this collection pertains to a XXXX XXXX at XXXXXXXX XXXX  in XXXX 

However, this information is false as I graduated from XXXXXXXX XXXX in XX/XX/year>. I requested the creditor to provide the purchase agreement to demonstrate full ownership of this account, along with any other relevant documents, so I could verify whether this account indeed belongs to me. 

The account in question reflects an open balance of {$5600.00} and incorrectly lists CONSERVE as the original creditor, despite the fact that I have never had any agreement with them. This false reporting is not only damaging to my credit but is also a clear violation of accurate reporting standards. 

This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Consumer complaint received 2024-06-13
Product: Credit reporting 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. (TX)

Refer to Complaint # XXXX. 

I first contacted Equifax about receiving the XXXX  error on my first login XX/XX/XXXX of XXXX, after I physically mailed them all of my updated identity documentation ( legal name change via courts, followed by last name change via marriage license ). I like to keep a close eye on my credit, and I do not have access to my information online because of an error that the website claims can be fixed by calling their support line, which I have done multiple times. I have also emailed them several times since the first time. Out of that time period, I have only gotten 2 emails back, saying " we're working on it '' or something to that effect. Otherwise I am entirely ignored, while being regularly offered upgrades to Equifax Complete Premier. Why would I upgrade when the base product won't even work, and customer service won't even respond? Over the phone, they offer periodically to send me my credit report, but that is ridiculous. I should be able to access it like any other person with an Equifax account. 

They responded with wanting me to re-register. So they deleted my account, I made a new one, and I experience literally the same exact issue. XXXX  error. Nothing has been fixed. 

I'd bet money that it's a problem of having two files on me because I've legally changed my name in the past, but I XXXXsent them that information by mail, and agents have confirmed it was received and updated*** years ago. No one will respond to my emails or call me back.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed for {$950.00} by a company claiming to be called XXXX XXXX. This was a company supposedly looking for new hires that I found via ziprecruiter. They sent me a check and I needed to send the money to someone through my personal XXXX account. The check bounced and I went into overdraft for {$730.00}. Originally I had {$220.00} in my bank account. They got away with scamming me {$950.00}. I love paycheck to paycheck and am a mom of XXXX kids and I need the money as it will help cover groceries and bills for the month. Ive tried getting contact with the hiring manager for the company and was left with no answer. Please if there is anything that can be done I need the help
Consumer complaint received 2024-06-13
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. (CA)

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.