davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX  - {$2500.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9200.00} XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (MO)

I am writing to file a formal complaint against IQ DATA INTERNATIONAL INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with IQ DATA INTERNATIONAL INC, they have failed to amend the misinformation on my credit profiles. 

I have provided IQ DATA INTERNATIONAL INC with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from IQ DATA INTERNATIONAL INC or the original creditor demonstrating the validity of the purported debt. Furthermore, IQ DATA INTERNATIONAL INC never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against IQ DATA INTERNATIONAL INC. Additionally, I urge you to ensure that my credit profiles with XXXX , XXXX and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. IQ DATA INTERNATIONAL INC failure to comply with these legal obligations may result in further action to protect my rights under federal law.
Consumer complaint received 2022-10-27
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 (FL)

Hi Bank of America Support Team- I noticed several fees on my Bank of America account that I would like to ask for a refund on. I have been a loyal customer of Bank of America and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$59.00} from my transactions below? 


Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Monthly Maintenance Fee - XX/XX/XXXX - {$4.00} Thanks a ton, XXXX
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I currently have a XXXX card that i used to purchase a puppy over a year ago. I always paid ontime. After a year they trippled my rate from XXXX a month to XXXX per month. They wont except anything lower than that. I explained that i could not pay that amount as my mother passed away and i was in between jobs. I did offer to pay them something and asked if i could continue to pay XXXX for now and if they would work with me. They would not and demanded the money. They have called me day after day over 7 times a week over and over. It has become very disturbing. I am willing to make an arrangement that will fit my budget because of loss of income. I just cant take the constant phone calls. I hope you can help me. I have my phone log to show how many times they call.
Consumer complaint received 2023-06-06
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. (AR)

This creditor is reporting inaccurate information about the account status.

XXXX  Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (PA)

My account went into collection. Since then I have been getting collections and unwanted calls to pay back my debt. I also was told that if I don't repay my debt that it will effect my credit and that they will lower my credit score immediately
Consumer complaint received 2023-06-06
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)

I did not give XXXX XXXX the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information XXXX be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus TransUnion and XXXX who are allowing XXXX XXXX  to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Weltman, Weinberg & Reis Co., LPA is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. Without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ), they have violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Ac ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Weltman, Weinberg & Reis Co., LPA to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Consumer complaint received 2023-01-10
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)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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: Credence Resource Management, LLC (FL)

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX  XXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX  As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : CREDENCE RESOURCE MANAGEMENT Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

Wire transfer funds from my XXXX stock purchase brokerage XXXX headquartered in XXXX ) went missing - amount XXXX XXXX. The funds were wired through Citibank to my XXXX XXXX XXXXXXXX account. After launching an investigation, XXXX XXXX XXXXXXXX concluded that the money was returned back to Citibank. See attached investigation from XXXX XXXXXXXX XXXX. 

Citibank has still not credited the return wire. Both XXXX and Citibank are not even accepting the fact the money was returned. I have called the sender XXXX multiple time to launch an investigation with Citibank but so far no results. The money was retuned back on XX/XX/XXXX and as of this writing, it is XX/XX/XXXX and absolutely no progress in the matter, Citibank refuses to talk to me, XXXX claims Citibank does not have the returned funds yet and XXXX XXXX XXXXXXXX claims it was sent back to Citibank so there is no end in sight. Wire transfer money is NOT meant to be lost - Citibank needs to get serious about locating it as the initiator of the transaction.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Carrington Mortgage Services has misrepresented my payments as late when they were evaluating my Covid Forbearance. I had been in weekly contact with them asking for consistent updates and providing timeline information when requested. 
They, Have reported me as late and not honored the spirit of the Covid Forbearance for what it was intended. 

I would like the credit issue removed.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX I was denied credit because Experian still reporting XXXX private XXXX loan ( charge off ) on my credit report. According to the lawsuit settlement this information was to be removed. XXXX did their part my cancelling this loan. The problem is every time I submitted any other dispute against XXXX on Experian dispute website it would say Disputes submission failed! They program their computer system to reject dispute submission on the same account dont matter if it relevant, accurate, and factual. Even when I got documentation to prove my case if the dispute was done years or months prior for the same reason it is rejected. Experian said they can do this under section FCRA 611 ( a ) ( 3 ) ( A ) but they have discriminate against and violating my right by not letting me submit my information. How can you determine my submission frivolous or irrelevant if you block it and may it harder for me to file dispute must called number that line stay busy etc. but you never seem my information yet. You are judging me and what I want to submit relevant, accurate, or not before reviewing the information. That is wrong and discriminatory. This treatment have been going on for years begining in XXXX.
Consumer complaint received 2023-05-16
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)

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 15 USC 1681. 

.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2023-01-10
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. (TX)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.