davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I received three confirmation emails from Citi Bank regarding changes to my account, confirmation of credit card application, and approval email for a Citi Double Cash  card with a {$9400.00} limit as of XXXX. I also saw a hard credit pull on my credit report. I have never applied for a Citi Bank card. 

I CAN NOT get through to Citi Bank to notify them of this identity theft. They continuously require an account or credit card number which I don't have. I spoke with three representatives who transferred me to other departments, with the final representative only willing to give me another phone number. When I called the number provided, I got stuck in the automated wheel requesting information I DON'T have because I didn't open the account.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

This is related to charge from XXXX on XX/XX/2021. 

It is the second time, in a row, I order food from XXXX that arrives different from I ordered. 
I complained both times, this second time I was not replied to. 

This second time, they put a different sauce than I ordered - not sure if it was a plain mistake, or a replacement. I was never informed my pasta would come with a different sauce. 

It was appropriate to dispute the charge, not just to make it right but so they really investigate this and learn they need to pay more attention. 

First of all, Citibank started asking questions as if food is a merchandise. Food is not a merchandise that can be simply returned. It is unsanitary, food should not be thrown away just because sauce is different ( I don't do that - would you? ), and you can't really expect that after waiting for it, you can just take it back XXXX so they throw away? ) and then wait longer for another dish. 

I answered all questions and then when I answered NO to if I had successfully returned the merchandise (! XXXX, Citi prevented me from opening the dispute. Then, now it blocks me from opening the dispute if I try again. 
Just absurd. 
Very customer unfriendly policy. 
It feels like I'm bothering Citi by opening a dispute, as a cardmember. 

The restaurant made the mistake twice and was not responsive to my complaint ( never reached back to me ). It is appropriate they receive a dispute. 
I have photo of the food if that is necessary. 

Important notice for you, Citibank representative, reading this complaint : I only have one Citibank credit card and only use it when there is an offer like the current dining cashback, because I know how poor Citibank service is. I would never consider paying annual fee to Citi, this bank ( just like this restaurant now ) is not worth a penny from my wallet. It looks like I will keep having just one annual fee-free card and not expanding relationship with Citi. You keep showing me how invaluable customers are to you. Nothing beats XXXX XXXX customer service, that is why I spend thousands in my XXXX card every month, and I'd like to suggest you to use XXXX XXXX even as a Citibank employee. You will receive proper service when needed.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MO)

I deposited {$6000.00} with Crypto.com to purchase crypto currency. They said I could withdraw funds after 7 business days. It has been 25 business days since and I cant withdraw money. At this point I want a refund of my deposit.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2020-11-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XXXX XXXX, 2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

The XXXX XXXX XXXX XXXX is sending me notices for an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts, notify the client of such and also not forward this alleged debt to another agency.
Consumer complaint received 2024-10-16
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. (TX)

To whom this may concern, I will like to let you know that you infringed upon my consumer rights. Remember that in order for the financial system to work, only fair and accurate reporting is required! According to 15 USC 1681 ( 1 ), public confidence is weakened when false and unjust credit reporting information is reported.

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX I was approved for an XXXX XXXX co-branded credit card from Barclays. I pay an annual fee of {$490.00}. To this day, I have still not received most of the promised benefits that includes : - Gold status with XXXX- An email that allows me to receive up to {$500.00} off of up to 4 tickets - XXXX Bonus Miles ( after spending $ XXXX, which I did in first month ) The miles DO show up in my credit card account and the membership is showing as linked on the credit card website, but none of the benefits are showing on XXXX. I have contacted the Barclay team through their messaging site 4 times ( on XX/XX/XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX ) and have called and spent many hours trying to have this resolved and they continue to promise this will be resolved, but it is not. 

Often I am pointed to speak to XXXX, which I do, and they direct me back to the bank.
Consumer complaint received 2022-06-11
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CT)

XXXX SYNCHRONY BANK {$1900.00} I have disputed this account directly with the creditor on multiple occasions in regard to the ownership of this account. This account does not belong to me, and i have not received any evidence indicating my signature on any paperwork. I continue to receive push back from this company which is greatly affecting my report. Please help me remove this from my report.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent to Equifax via certified mail and Affidavit of truth, cease and desist of all reporting until the investigation was complete, and an opportunity to cure what was wrong. They have given an inaccurate and unrebutted response to my affidavit. I clearly outlined to them all of the violations I found on my credit report. At this point, Pursuant to 15 USC 1611, they are willingly and knowingly violating my federally protected rights as a consumer. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692 I am the consumer and original creditor, and NATURAL PERSON and I do not validate the alleged debts on my credit report. Equifax held an " investigation '' in which to validate my alleged debts which in itself is a violation, due to the fact that Equifax cant claim they verified any accounts unless they can prove they did what they are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; They did not do this. If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. 

Attached is my original Affidavit of truth and notarized XXXX which we both received on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

In XX/XX/2018 We purchased counter tops from XXXX XXXX with our USAA checking account in the amount of {$980.00}. When we received the counters they were severely damaged by one of the workers with their forklift. The countertops had to be reordered resulting in us having to pay our contractors extra for canceling and rescheduling the job of install. 

When they finally got the new counters to us we realized that the counters were in horrible shape. They were cracked, and warped. We contacted XXXX XXXX back and wanted to return them as they were in horrible shape. XXXX refused to do any type of refund. They told us they do not warranty them and will not return them. The installing contractor had to spend several hours trying to repair them. 

We contacted our bank USAA hoping that they would protect their members and help us recover our losses. USAA gave us a provisional credit for the counters but after " investigating '' ( which they didnt do ) they took the credit back. Said that they were siding with XXXX XXXX. Now they have closed our checking account with a negative balance because we had to pay that money to the contractor for new counters. 

USAA didnt protect our money from fraudulent and unjust products! 

*I can not provide letters due to my account being closed. USAA will not allow access of accounts.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

ONEMAIN is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with ONEMAIN. I have never received any correspondence from ONEMAIN stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with ONEMAIN for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that ONEMAIN owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. ONEMAIN refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. ONEMAIN is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure ONEMAIN understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. ONEMAIN even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in ONEMAIN 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX XXXX DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/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 an account without my written instructions. Thanks!
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (CA)

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years.

Actually, my mon passed away because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed. 

2.I found 1 late payment of XXXX account almost over 10 years ago. 
In my opinion, any record over 7 years ago should be removed. 
I paid off this account. 

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, 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. (NY)

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX bankruptcy XX/XX/20 This has already been XXXX.on XX/XX/20 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/20. This already been XXXX on XX/XX/20
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (FL)

This is my second complaint to CFPB in regards to Experian and XXXX  Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from Experian and XXXX. 

I once again demand for the accounts from said company below be removed since Experian and XXXX can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither Experian or XXXX can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.