davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (MO)

XXXX has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the Family Educational Rights and Privacy Act ( FERPA ). 34 CFR Subtitle A Part 99 Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. XXXX has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information. 

Pursuant to 16 CFR I Subchapter D Part 433 433.2 whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2023-05-18
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4 of SSN : XXXX I have recently took a look at my credit file and was furious on what I saw and how my rights were violated. I have reached out directly to experian to remove these late payments. However I been getting the run around on how this is verified or accurate! 

Experian in Direct Violation of The Fair Credit Reporting Act ( DEPT OF EDUCATIONXXXX, ACCOUNT NUMBER : XXXX ), they violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. 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 purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (PA)

I purchased a Western Union money order in the amount of {$49.00} at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
The Western Union Money Order Number located at the top right of the money order is XXXX 
The money order ripped and I only have half of the money order., Western Union stated that I would need the receipt for the money order to be refunded however I left XXXX XXXX without the receipt. 
Contrarily I can not use a this money order as I only have half on the money order. Additionally, Western Union refused to refund the amount to me.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OK)

I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}. 

Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019. 

I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 )  {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (IN)

This item in collections from Credit Control Corporation for the amount of {$XXXX} is inaccurate because I do not have an outstanding balance nor do I owe any money to XXXX XXXX. Furthermore, I have never been contacted or had communication with Credit Control Corporation. I have contacted both XXXX and Credit Control Corporation as well as filed a dispute with all 3 of the Credit Reporting agencies. This was done in 2017. It is still showing on my credit report and has caused adverse action due to the incorrect and I valid collection.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have an account with Bank of America. Additionally, I have XXXX  college age children with accounts at BofA, all associated under my name. My XXXX year old daughter XXXX had a number of transactions hit her account over several weeks time. The bank did not pay these out because it would put her account into an overdraft. However, the bank did assess overdraft fees on her account, putting her into overdraft. There were a total of 23 fees  assessed for {$800.00}. To make matters worse, the bank took money from my sons account, even though he had nothing to do with my daughter. So he is now short over {$870.00} in his account. I did try to reason with 6 different people at Bank of America. They will not reverse these charges. I need your help because this is wrong and unfair!
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (GA)

my husband told me that a woman XXXX XXXX was trying to reach me about serving me with a summons to appear in court and would not tell him anything else - i called the # and was told she was transferring me to an " attorney '' named XXXX XXXX - he said he was from capital consulting services - he got on the phone and told me he was representing citibank and that i owed them over {$5000.00} and that if i didn't set up a payment plan with them today that a process server would show up at my work tomorrow with summons to appear in court. he told me the debt was from XX/XX/XXXX-XX/XX/XXXX and that they received acct in XX/XX/XXXX. i told him i needed more information and would contact citibank and to not contact me any further and i hung up. he then proceeded to call my work # 3 more times ( once when a co-worker asked him not to call back ) until he asked for a supervisor to arrange a time for a process server to serve me with papers. i told him what he was doing was illegal and abusive and to not call me at my work again and that i was going to report him to the FTC.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

PNC bank does not allow my account to be linked with my XXXX account making it virtually impossible to use XXXX for investing. No-one can tell me why, it's " just not possible at this time ''. I'd love to use XXXX  to invest and trade, I'd love to keep my business with PNC, this is the first real issue I've had and don't understand why it's not possible. I'm no banker, but it seems like it's simple and reasonable to want this to be available.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The CFPB form asks people if they have tried to straighten out the problem with the Company! I did! At least 15 times!

I have tried at least 15 times ( fifteen times ) to get this straightened out with the company! Literally! 


_____. 
TRANSUNION Fax Number - - - ( XXXX ) XXXX Attention : CCD ( Consumer Contact Department ) TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XX/XX/XXXX. 





__ Subject : TransUnion must immediately remove or soften a certain inquiry!!!!!!!! 

__ To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Here as follows is item in error : The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX  Date - XX/XX/XXXX Explanation : I requested to be provided proof if I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. You sent no proof immediately of that, now it must be softened or removed immediately! 




By the provisions of the Fair Credit Reporting Act, this item should have been - SHOULD HAVE BEEN - softened or removed from my report! Please immediately soften or remove this item! 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you should have completed this re-investigation within 30 days of receipt of my earlier letter! 

. 

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & ADA & other laws has  already expired!!!!!!!!!!!! 

SPECIAL NOTE # 2 - I am a paying customer of TransUnion!!!!!!! Even tho I am a paying customer of TransUnion - TransUnion has often failed to do what TransUnion has been paid to do!!!!!!!! And TransUnion has even failed to do many things that TransUnion is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with TransUnion?????????????? TransUnon is required to immediately delete or soften the above stated inquiry!!!!!!!!!!!! 


. 
God Bless America!
Consumer complaint received 2019-09-17
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. (WI)

XXXX I purchased a home, to find it bat infested and uninsulated. XXXX XXXX XXXX hired a home appraiser which eventually after State of Wisconsin investigation this home appraiser was fined. Here I am paying a mortgage on a unlivable house. My heat bill first winter {$2300.00} even tho I froze, had pipes freeze. Winter # 2, {$1700.00}, still made house payment..then l get injured at work, fall behind on payments, even tho using work comp settlement $ to make place livable ( {$40000.00} XXXX XXXX XXXX HAS BEEN PAID IN FULL, YET XXXX XXXX XXXX   HAS DEGRATORY REMARKS on my credit reports which damage it for 7 years, YET I HAD TO PAY MORTGAGE ON UNISULATED AND BAT INFESTED UNLIVABLE HOME. CONSUMER RIPOFF!! No $ back or reduced interest on loan. No degrogatory remarks removed, XXXX is holding me hostage us what it feels like..No one wants to refinance even tho I'm sitting on equity due to multiple negative remarks from XXXX XXXX XXXX . A complaint of this also in State of Wisconsin   Senators office.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/19 I noticed a check was processed though my account I immediately contacted to citizens to advise them of this fraudulent activity the first rep showed no concern stating he didn't understand since I signed the check! I did not sign any check and citizens can confirm this is not my signature if they compared to any of the hundereds of checks that I deposited the rep advised he would start a claim and that it would take 6-8 weeks for me to be reimbursed! I requested a supervisor who explained yes it would take six weeks for reimbursement I advised her I had emails from a company I purchased checks from advising my check order went to and incorrect address back in XX/XX/XXXX and the check numbers! This was the first number form the batch of missing checks! XXXX stopped payment on the remainder checks and told me I would be charged a {$35.00} fee! She would look into rebating that fee but I have not heard back! My concern is there was no lack of urgency with reversing these funds as they can plainly see this is not my handwriting I feel citizens does not protect their consumers from fraudulent activity! I cant afford this to happen at this time my husband has been out of work for 5 months and citizens can confirm the XXXX checks being deposited which is 80 % less of the income that normally goes into this account..My funds are supposed to be protected with this bank and they are not! I am beyond frustrated with the lack of concern the no protection and the time they are advising they will reverse the funds to my account! There was a check written for {$400.00}! By a XXXX XXXX are they looking to see where this person cahsed this check and where it was accepted and after this person! Per XXXX she stopped payment on the remainder checks starting with XXXX I hope she has done this! I told her I have the email for the company checks in the mail advising my checks were sent to an incorrect address hoping that would speed up the reversal but it didn't!
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is regards to Trans Union reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask Trans Union, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, Trans Union or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to XXXX XXXX XXXX I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to XXXX XXXX XXXX and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Consumer complaint received 2023-04-14
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)

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

Throughout XX/XX/2019, I have received multiple calls from this company. I have also asked them to not call me or anyone associated with me. They have called my mother in law way too many times asking for my partner. They have called my partner multiple times asking for me. I'm not sure what kind of operation is being ran there, but it needs to stop. I'm giving notice to cease all contact with me or anyone else except the creditor about this claimed debt. Only contact me in writing, not by phone. Thank you.
Consumer complaint received 2019-10-21
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have called XXXX XXXX for a week and have not received a callback. I have not authorized this company to pull my credit. its for XXXX XXXX. when I call they say they have no information but yet they reported me to TransUnion credit report. I have an inquiry on XX/XX/2019 this not from XXXX XXXX. XXXX sent me a letter but yet solved this problem. I need help getting this removed TransUnion needs a letter from the company as to remove this from my credit report. am not getting any help I been trying for last few months to take care of this. please help.
Consumer complaint received 2019-10-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. I have sent numerous letters to the company stating and proving that the information they are reporting and verifying is unverifiable erroneous and incorrect. Likewise, they continue to report hard inquiries on my record that are inaccurate are unauthorized and that have no permissible purpose. This is causing me extreme diress, stress and financial damages. I am ill an have a life threatening condition that requires expensive treatments and costs including XXXX and needing a XXXX XXXX. Thier continuing to report erroneous information is affecting my credit score and ability to get the assistance i need to help cover my medical costs, take care of my family and get the necessary transportation I know need as an XXXX. I have informed them that the remain8ng accounts reported as referenved have failed to provide validation as requested under the FCRA and have admitted they have no signed contracts or authorizations and are unable to validate with documentation as decided in case law. I have also informed them of the responses to the CFPB complaints where they admit they do not have the necessary documentation.
Consumer complaint received 2019-10-21
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: Webcollex, LLC (TX)

CKS Financial # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.