davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I am writing to file a formal complaint regarding a disputed debt from IQ Data on behalf of the XXXX, my former apartment complex. The debt in question totals {$490.00} and purportedly covers move-out charges. I firmly believe these charges are invalid and fraudulent. 

Despite my attempts to resolve this matter directly with IQ Data, I have encountered significant obstacles. Initially, I reached out to IQ Data via email and phone to dispute the charges ( first contact on phone was XX/XX/year>, email was a few days prior to this ). Regrettably, my emails have gone unanswered, and during a recent phone call, I was abruptly disconnected while attempting to address the issue. The XXXX has provided me with an itemized statement detailing the alleged damages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached photos provided by the XXXX showing that these amounts are unwarranted. The so-called damages, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and are easily remedied without replacement. Furthermore, upon moving into the apartment, I paid a redecoration fee that should have covered any necessary cleaning costs. Additionally, I possess video evidence confirming the apartment 's condition upon my departure, which contradicts the justification for these charges. I have also attached documentation for my initial redecoration fee bill with the section that outlines redecoration in the lease, as well as my initial attempts of contact with IQ data. 

I am prepared to share this evidence with your office to support my claim. I request that the CFPB intervene in this matter to ensure a fair and equitable resolution. I look forward to your prompt attention to this issue and to receiving your assistance in resolving this dispute. 

Thank you for your time and consideration.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs is a XXXX  and this is a different complaint from the other one, so don't close it out and ignore it. Now when i apply for the card i get a imidiate nswer can not process application. 

I have contact the customer service number several times and each rep claims to have a different theory. 

I bet it's because XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Don't give me any XXXX  about can not verify me, my address is on my drivers lic, on my previous card with the bank, on my savings account with the bank and on my application. It matches my credit report. 

the XXXX  rep asked me to close my account i had to make a new one with my new apple id, i didn't have to that, i could just have kept it.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MN)

Im currently in the process of rectifying charges on a chase card. I was told an it is advertised that Chase sapphire is a zero liability for fraud in regards to the consumer. I have about a XXXX or so transactions that are suspected to be and mostly confirmed fraud. ( I did the work to find out ) At this time Chase has recanted on their promise for 24/7 prevention as well as zero liability to the consumer. 

I have had to double back to the executive team who hung up on me twice. Furthermore they are making an attempt to bill back fraud charges. ( Ive paid these once in the previous statements YTD.

When questioned they used terms like ideally and right away. Both of which are subjective by nature. 
Ideally Id prefer for these fraud teams to prevent fraud rather than take part.
Consumer complaint received 2024-03-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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. (CT)

XXXX continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file
Consumer complaint received 2018-12-22
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: EQUIFAX, INC. (AL)

Equifax after a security breach sent me a letter indicating that several files I had uploaded to them which included my social security number and all personal info were in the hands of unknown sources. Since then Equifax refuses to update my file, they refuse to remove items I have disputed. They refuse to add correct accounts that I have now or communicate with XXXX for my information. I have been denied jobs and insurance and credit because they refuse to comply and accurately update my information. Also, so many inquiries are on my report that I did not authorize
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (TN)

I started receiving missed payment alerts XXXX last year and I called Affirm to let them know I do not know anything about the transactions. They told me someone will get back to me within 3-5 business days, but I never had anyone call for that reason but only to ask me to pay for the loan which I did not authorize. I kept calling and Affirm did not resolve the issue and the loan went to charge back and it was still not resolved. This affected my credit and I called affirm, I was told this will be taken off my credit with 3-5 business days. It goes off for a while and goes back on the credit again. 
Every phone call I made to affirm I clarified that I was not aware of all the transactions but when I call, I have different versions of what was reported to be resolved and different feedback as well as rude customer service personnel 's and managers. 
On XX/XX/XXXX, i finally received a response that the loan had been resolved and i am responsible for XXXX loans and i should go on my account and reach out to the numbers on the loan. This was to XXXX different numbers. I called one of them ( XXXX XXXX ) and was told i had to pay for XXXX loans with them. The other number was for XXXX, and they said affirm took back the loans with them so there is nothing to pay, the final number went to affirm directly, and I complained again that I was not going to pay loans i knew nothing about and this had to be reviewed and resolved. 
In XXXX this year, i received a notification about me requesting to be prequalified. A 2nd attempt of fraudulent activities on my account. I responded i was not the one and called to make a complaint which I received an email that it was a fraudulent attempt. 
My issue is that if Affirm had responded timely and resolved my issue, it would not have gotten to the stage of a chargeback. Also, if an issue is in dispute, it should not follow the normal process of people who do not pay their loans for it to be in chargeback. Again, it was not my fault that Affirm did not place importance on resolving my issue and therefore this should not affect my credit. I have reported to them that XXXX is reporting this on my credit and the response i get is that it is the system that picks that. I thought human beings control system but it obvious affirm does not put their customers 1st and are just after their gains. 
I will want Affirm to resolve my issue and take that information from my credit. I called Affirm today and was told my case was closed. How can this be closed without my knowledge and without this resolved. The 2nd attempt to get a prequalification on my account that i reported should let them know i did not make those purchases.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

The XXXX is paid in full, all attempts to remove via disputes through XXXX, XXXX etc. have been denied. I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on XXXX  occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.
Consumer complaint received 2023-04-17
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the 2nd Complaint before Filing a Lawsuit against TransUnion! There is a fraudulent account on my TransUnion Credit Report with Georgia XXXX XXXX XXXX XXXX, Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Georgia XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and Georgia XXXX XXXX XXXX is violating the law, Ignorance of the law is no excuse. In conclusion, I have shown you proof and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Also, I have attached supporting documentation from the creditor that the account is to be blocked and removed from my credit file, but it is still reporting. Please remove fraudulent account. Thanking you in advance for your cooperation.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank needs to stop exploiting people through their tactics. I opened a Zales credit card with Comenity Bank and from the start, I had issues ( always to my detriment ). When it was time to pay the card, I couldn't access the system and was charged a late fee ( which they acknowledged once I showed them proof of their website issues ). I have made every single payment due, actually paying WAY over the necessary minimum amount. When I went to give birth at the hospital in XXXX, I did not want to worry about any charges on the card so I changed the autopayment to deduct the remaining amount owed. I thought everything was fine, especially because no payment due kept coming up. Now, all of a sudden, Comenity is saying that their system " never processed it '' conveniently, so that they are able to charge me {$3000.00} for a {$900.00} balance. They are deceptive and misleading- they set up their autopayments to make sure that the full amount is not paid by the " due date. '' I can't even access information on the " promotional plan '' they say I signed up for because they never sent me any disclosures nor agreement and there is nothing on my account. All they keep saying is " there is information on your statement '' and that the due date was XX/XX/XXXX. 

I have had a perfect payment history on this card. I have made many additional payments on the card to the point where they were only deducting me $ XXXX a month on the autopayments. I just had a baby and have so many hospital bills and I can not pay the ridiculous interest charges that were imposed on me deceptively. I offered to pay the balance in full immediately ( which had been scheduled back in XXXX ) but they wouldn't hear me on my offer even though it's merely days after the " due date. '' So many other companies offer the same solution. I need to get this resolved.
Consumer complaint received 2023-04-17
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. (MI)

Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

My credit union acted un a garnishment submitted by LNV Funding LLC, a company with whom I do not have any original contract. I was never sent notice ; never given an opportunity to validate debt ; and the address on the garnishment is not my address. 

I demand that all monies be returned, and a debt validation process be determined. 

Additionally, because of the undue stress, embarassment and burden that this has placed mem under, I demand all financial remedies and all notice requirements for violation of the law, to the maximum extent of the law. 

This is unconscionable that a garnishment can be exeucted where there is no proof of service, because as far as I know, the address mentioned does not exist. It is erroneous information that is listed on my credit profile whixh is also incorrect. 

I have requested several updates to my credit profile with all credit bureaus, and apparently it hasn't changed. 

Why would a validated creditor utilize erroneous information? Why wouldn't they utilize the address on the original debt, if such debt existed? 

Please make immeidate remedy.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent 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 XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Collectibles Management Resources (CA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
Consumer complaint received 2023-10-30
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. (FL)

TRANSUNION has violated Federal laws concerning the use of private information. TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting TRANSUNION to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If TRANSUNION isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 

Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 

TRANSUNION is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

TRANSUNION you have 3 days to remove negative unverified information TRANSUNION Commission file number XXXX ( I.R.S. employer identification Number ) XXXX