davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (MO)

On or around XX/XX/XXXX I engaged in a consumer credit transaction in regards to a mortgage loan with Prosperity Home Mortgage , LLC with XXXX XXXX as my Mortgage Consultant. On or around XX/XX/XXXX XXXX XXXX contacted me via email to inform me that she was unable to complete my application but had ran my credit scores stating " XXXX score is " XXXX '' and XXXX XXXX is " XXXX ''. Since XX/XX/XXXX I have tried to contact XXXX XXXX via phone and email I have not gotten a reply. The last time trying to contact XXXX XXXX was XX/XX/XXXX around XXXX pm after receiving an email from her minutes before understanding it was not a business day, to apply about moving forward with my application process. Nevertheless, I had concerns regarding my rights pursuant to title VII ( Equal Credit Opportunity Act ) ( 12 CFR 1002 ) of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). Even though XXXX practice appears neutral on its face, requiring that applicants have income in excess of a certain amount to qualify for an overdraft line of credit could mean that women and minority applicants will be rejected at a higher rate than men and nonminority applicants ( 1002.6 ) - Rules concerning evaluation of applications. However, a creditor may not consider in its evaluation of creditworthiness any information that it is barred by ( 1002.5 ) from obtaining or from using for any purpose other than to conduct a self-test under ( 1002.15 ). 
Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to " discriminate '' against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( 1971 ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1975 ), to be applicable to a creditor 's determination of creditworthiness.

Also, I do not waive any rights under ; 1. 12 CFR Part 1002.15 - Incentives for self-testing and self-correction ; 2. 12 CFR Part 1007 - ( Regulation G ) - definitions ; 3. 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) or any other consumer rights thereof.
Consumer complaint received 2022-04-25
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : 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.
Consumer complaint received 2022-04-25
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies Transunion, XXXX, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Transunion with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All 3 of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OR)

XX/XX/XXXX, purchase made for airline tickets with a NETSPEND prepaid card... We cancelled the same day and it was to be refunded. They have had it on hold/ pending for 2 weeks! We have contacted them multiple time with proof that they voided the transactions.. We even gave them the letter from XXXX XXXX and they still say it isn't enough. An airline would never pend a charge for two weeks they want their money right away. They refuse to release the funds back to us so we can make another purchase. We want our money back .... Netspend worst company ever they literally have purchased money held up ....
Consumer complaint received 2022-04-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

On XX/XX/XXXX I was sent {$1100.00} by my sister through Cash App. When I went to retrieve it all but {$10.00} was gone. I immediately called Cash App to inform them of what happened on XX/XX/XXXX they assured me they would investigate and informed me of their findings in 7 to 10 days. When I didn't get a response I called back on XX/XX/XXXX, I was informed there would be a further investigation into the matter in 7 to 10 days. When I didn't get a response for a third time, I called back on XX/XX/XXXX and I was informed their investigation was complete. Now, I am without money or an acceptable explanation. I never made any of these transactions.
Consumer complaint received 2022-04-21
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. (CA)

Hi there, I noticed that unfair credit practices happened with Equifax and XXXX. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given XXXX points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.
Consumer complaint received 2022-04-25
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXXt - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # 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 also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-05-20
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX company name XXXX XXXX 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.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2020-08-25
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: AMERICAN EXPRESS COMPANY (CA)

My XXXX points with American Express Membership Rewards are on hold at least since XX/XX/XXXX and I already missed several opportunities of transferring some of these points to airline partners because of this hold. Today I found out again that my points are still on hold, almost 8 weeks since my first inquiry. I called again today and was just told that they don't know why my points are on hold. I have several cards with American Express and they couldn't even tell my which card triggered the hold. I am a customer since 2005 and this has never happened before. 

The representative said that it could either be from getting a new sign-on bonus ( opened a new business card for a new business in XXXX but did not receive any bonus ), from getting refunds ( I had a few smaller refunds due to travel being cancelled with Covid-19 ) or  for " suspicious activity '' ( does not apply to me ). 

It is very frustrating to have cards with a company for 15 years and then be treated like an outlaw over membership rewards points, which is one of the selling points for American Express. What's the purpose of membership rewards points if I am unable to use these? There is absolutely no transparency in this " review '' process with referrals to the " back office '' which supposedly does not have phones. No messages, no names, nobody to talk to ... just like the mob.
Consumer complaint received 2023-03-09
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (FL)

I found in my credit report a Collections : NATIONAL CREDIT AUDIT CO with this Account # XXXX and I don't recognize this company. I already try to find out and I wrote them, I attached here the proof. I send a Debt Validation letter in XXXX and I haven't received an answer yet.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (UT)

I previously filed a complaint about Transworld debt collection contacting me about XXXX XXXX account. 

Today they sent people to my HOME. And I was forced to show identification, I was accused of being her over broke down cars in my driveway and I was humiliated in front of my neighbors. 

In XXXX my father XXXX XXXX passed away, he lived with me, wether he was affiliated with XXXX I do not know its not my responsibility to assist a debt collection company. My mothers name is XXXX I finally sent them to her house after beating on my door 3 times in a 10 min period. 

Attacking someone who has never had buisness with them AT MY OWN HOME is absolutely not ok and against multiple laws. 

I was told unless I paid her debt or found her for them or accepted documents for her they would not stop. 

I work nights they are disrupting my sleep and a man XXXX XXXX XXXX when I live alone as a woman is not ok. 

I will be staying in a hotel I expect them to pay for until they cease.
Consumer complaint received 2022-07-28
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: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/XXXX XXXX attempted to dispute, via their online chat, the reversal of a statement credit I received from American Express ( AMEX ). As of XX/XX/XXXX I had not received a response. I spent over an hour online chatting with several different AMEX representatives on XX/XX/XXXX because I had not received a response ( their system kept glitching and my messages would disappear and I would belatedly receive messages from their reps ). And, I was told they could not find the Case ID I had been given on XX/XX/XXXX. After finally being told, after an hour, that they would not reinstate my earned {$220.00} statement credit, I noticed the open dispute button on their website. Though I had previously attempted to directly open a dispute regarding the {$220.00} charge / statement credit reversal, I did not find an option for that. I did today and, to my dismay and surprise, found that a dispute had been opened on XX/XX/XXXX, the day of my initial chat and, also closed on that day without any reason being given for the opening of the dispute or the closing of it... Also, in that portion of the dispute window it was stated I had been provided a written response with the reasons for the denial. I was not provided any written response as they indicated. I met the terms required to receive the {$220.00} statement credit and they improperly rescinded and cancelled it. There was nothing on the face of the document I received indicating that I would have to keep the card open for 12 months or the credit would be cancelled. Nor was I provided such information at the time I was cancelling the card or I would not have cancelled it.
Consumer complaint received 2021-09-13
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. (VA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX  & XXXX XXXX and XXXX  AND XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-04-21
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. (NC)

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & Experian ), XXXX XXXXXXXX ( only reported to XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANT NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREUS AND STILL HAS YET TO RECEIVE ANY RESPONSES.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

Debt placed on my credit report but is not mine. Have never received any communication about debt and when I called collection company they could not locate information and stated they could not help me and hung up. Filed dispute with XXXX and there findings say it is viable so I asked how could they call it viable when I could not get any info about the debt. 
This item had been placed on my credit before by another collection company and later removed when I notified them it was not my debt. The company that placed the account for collection is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX. They were trying to collect for an address in XXXX IA and had a collection company called XXXX XXXX who also placed it on my credit report. I ultimately disputed the item since it did not belong to me. I have resided at the same address in IL for the past 17 years and never lived in IA. I sent a fraud report to XXXX and they removed the item from my report and informed XXXX XXXX. I thought this was the end of the issue until it showed up on my report placed by I.C. System Inc XXXX who I contacted and would not help me because I do not live in XXXX IL and they hung up on me. I have disputed this item twice thru XXXXand there reply is it is a viable debt. I cant understand this decision since I can't get info from the collection company what type of info did they get. Other than this showing up on my credit report and dropping my rating by 70 pts and causing my Credit Card Companys to drop my credit line and making it impossible to get loans I have not received any bills or notices of collection from XXXX or IC Systems. 
I had my wallet stolen several years back and have a police report to verify the instance. All my IDs were in it along with my SS card. XXXX has been of no help and they do not provide a thorough investigation and XXXX and IC systems refuse to listen or provide info but were quick to place on my credit report. If XXXX would require proper IDs when establishing services this situation would not occur.