davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC (CO)

I spoke with a manager at DebtBlue today because I am unable to make my program payment. After conversation, I had discovered that I paid out a total of {$2000.00} so far. DebtBlue collected {$1000.00} in their fees, {$750.00} was applied to my active settlements, there was a balance of {$100.00} in my account, and after conversation I found out there was an additional {$180.00} in " fees '' for monthly account fees and each time they send a payment to a creditor. 

My issue was that the payment was too high to manage for me currently, as I would have to choose between either homelessness or debt. However, when seeking resolutions to the problem, I was told that my options were to either cancel out the program or make the payment. Despite DebtBlue 's claim that they were there to help me manage and get out of debt, they were more insistent on collecting their fees, which were never adequately explained to me in the beginning of the process. Neither how much they were going to collect, or when they would collect it. 

When I opted to cancel the program, they said that my balance in my account would be withheld to be applied towards the unpaid fees on the account. They also said that, not only would I not be provided with information on my settled accounts in order to continue payment, but that the settlement agreements would be voided on both ends. They failed to convey in the beginning that they could even do that. They charged me the full amount for a couple of settlements, and then they voided those settlements upon removal from the overall program. How can I be charged fully for a service to settle an account, and then be locked out of that settlement because I remove other settlements?? I paid for a service that was ultimately not delivered.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (IL)

Subject : Complaint Against Unauthorized Debt Collector and Violation of Consumer Rights To Whom It May Concern, I, XXXX XXXX, hereafter referred to as " Consumer '', am writing to file a formal complaint against XXXX XXXX XXXX also known as Lewis , McDonnell & Associates or McDonnell & Associates, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the XXXX, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity to open these accounts. I have previously raised this issue and now urgently request the removal of these accounts from my report. The presence of these accounts is causing me considerable stress. They do not reflect my true credit history or financial management abilities, and addressing this situation has been challenging. If we can not resolve this matter, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this problem.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXs # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

US Bank has frozen all my personal and all my business accounts due to suspected fraudulent activity. I sent a XXXX deposit of {$500.00} to a car dealership, XXXX XXXX XXXX in XXXX XXXX Florida from my personal US Bank account and US Bank tagged them to be a fraudulent business, but I informed them that is not the case because I received both cars from XXXX XXXX XXXX. I paid the remaining balance with a check through my local credit union as they had no problems with me paying this merchant. I told US Bank that they have erroneously identified XXXX XXXX XXXX as a fraudulent organization in their system. These cars were shipped from XXXX XXXX, Florida to XXXX, Cailfornia to my home address. I have possession of both of them. I verified that the VINs are clean with the DMV and the police department. However, US Bank still decided to freeze all personal accounts and all business accounts. They have frozen two ( 2 ) of my personal checking accounts, one ( 1 ) business checking account and one ( 1 ) business savings account for a total of four ( 4 ) accounts. They stated they want to end all relationships with me. I went to a local branch to withdraw my funds, but they said they can not release either my personal funds or my company funds. 

I have included the XXXX XXXX ads with XXXX XXXX XXXX in which they had advertised for my two purchases with them in XX/XX/2023. I have also included the copies of both titles which are clean and verified by the DMV and the police department.

I have also attached all the information about the company as a legitimate business entity. They have ZERO complaints to the XXXX XXXX XXXX and they are registered with the state of Florida as a legal business entity. In addition, I have also attached the 100 % positive feedback from all their customers from XXXX XXXX. 

US Bank seems to have a very common practice of doing this to their customers as noted below : https : //www.consumerfinance.govXXXX  My US Bank account numbers are : Personal : 1 ) ) XXXX - Checking 2 ) ) XXXX - Checking Business : XXXX ) XXXX - Checking XXXX ) XXXX - Savings Please help. I need access to funds to operate my business and pay my bills and mortgage.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called XXXX  and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was XXXX 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.
Consumer complaint received 2024-04-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reached out to Transunion in XXXX to dispute inaccurate information on my credit report. They said things came back verified. They also took over 30 days and hit me with stall letters asking me to provide information I sent them to prove I am in fact me! In XXXX, I responded via mail asking about their methods to verify this debt as I see inaccuracies all on my credit report about these accounts and even the collection agencies didn't respond to me or provide information or they sent inaccuracies too. 

How can Transunion say they got stuff to said it's mine and I couldn't? I asked for proof and contracts and I did not get any of that. 

Dear CFPB- PLEASE hold them accountable and have them remove this from my report! 

They also sent me stall letters on XXXX ( XXXX XXXX XXXX ) and on XXXX ( XXXX XXXX XXXX ) asking for proof of address. This is a stall tactic as they know they are illegally reporting information but are attempting to buy time and extend the required 30 day response. Why are you asking for proof of address when you mailed the letters to my address? 

This is illegal and they should be held accountable!
Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (DC)

I agreed to a contract with Bright Money for a {$50.00} credit builder loan. There were to charge me $ XXXX membership fee and 5 months of {$10.00} until it was repaid. Then the loan was to be returned to me. They never returned the money, they continued to take more money out of my account totaling {$400.00}. They set up a fake round up savings account that they say will be used to pay down your credit cards. They never used the money for that. My bank account has XXXX pages of transactions which total {$400.00}. There are credits for a total of {$88.00} over the year. So the difference that was taken from me that I'm owed is {$310.00}. The issue is they were supposed to stop at the {$50.00} loan, they never used funds from XXXX XXXX to pay my credit cards and I had the XXXX XXXX  turned OFF so to continue to take this money out of my checking account was a breach of terms.
Consumer complaint received 2024-01-16
Product: Credit reporting 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. (PA)

Trans Union Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

Subject : Cease and Desist Letter - Unauthorized Inquiries/Adverse Actions XXXX. Trans Union associated with XXXX XXXX XXXX  XXXX. Trans Union associated with XXXX XXXX on XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IL)

USA bank mortgage told me I was on auto pay and I was all set for the month after the representative on a recorded line never told me it would take a billing cycle to be set on auto pay the representative actual told me I would be all set for next month then I get a flag on my credit report for a missed payment and I never had a miss payment before that show my credibility please help me remove this from my credit!
Consumer complaint received 2024-01-16
Product: Credit reporting 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. (NC)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX about a data breach they noticed on or around XXXX XXXX I checked my credit reports and noticed unauthorized inquires and accounts. I filed a identity theft report XX/XX/XXXX regarding the following issues discovered. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is also a chance my children have been compromised as well ; they were linked to my account.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (MO)

I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There is an address reported on my Experian credit report, I have never lived there. I'm afraid that my personal information is being sent to that address. With the amount of fraud, scammers and identity theft going on in the world today, this is very concerning to me. I disputed the information with Experian was told it could not be removed because the address is tied to an account on my credit report. The account is with XXXX XXXX XXXX. Twice I contacted XXXX XXXX XXXX in regards to the matter, XX/XX/2023 and XX/XX/2023. Each time I was assured that the address was not on my account and that they have my current address. The address is still being reported on Experian credit report. I reported the address as fraud. I feel like I'm getting the run around with Experian and XXXX XXXX  Loans. I am requesting all information from XXXXXXXX XXXX be deleted from my credit report, they do not know how to accurately report. I'm frustrated because my personal information is being sent to an address that I never lived at.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 USC 1681 section 604 a section 2 states that " In general 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. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX I called because I received a late fee. The representative told me that he could not receive the late fee because they removed a late fee on XX/XX/XXXX. 

I called back to speak with a supervisor. I reached someone and I requested the late fee removal and she said she could not remove it. I asked to have my due date of the XXXX of the month changed as it is a hardship to pay on this date. She informed me I could not change my due date. She lied. 

On XX/XX/XXXX I called regarding another late fee I was charged on top of the late fee I paid late. I asked if I could have it removed. I was told no. I asked to have my due date changed and the rep changed my due date. My purchase of {$35.00} has now become a {$95.00} expense. 

I should not have to pay the late fee I received for paying the late fee late. This was not a charge. I am requesting to have the late fee due XX/XX/XXXX removed.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

according to my credit report XXXX XXXX cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking XXXX XXXX to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX Transunion and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.