davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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 it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this Imv because I um a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 
XXXXXXXX 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. 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 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I received a collection letter from Credit Collection Services dated XX/XX/ in regard to a Progressive account. I do not recognize this account. I informed the company but they refused to acknowledge my concern. On XXXX I contacted the company and spoke to XXXX. This person was extremely unprofessional, rude, and would not listen to me. I requested to speak to a supervisor and was transferred to a XXXX. I explained everything and asked to investigate and remove any negative information from my credit report,
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I deposited a check from XXXX XXXX in the mobile app. I understand that the bank has a temporary hold on mobile deposits. However, US Bank placed a hold on the entire amount and I overdrafted as a result. I was under the impression that a portion of a deposit is made available. The deposit was from my investment account for nearly {$3600.00}. The bank has held the deposit for verification for 7 days. I have not had this happen previously. I was told that since I hadn't used the mobile deposit since XXXX, the deposit needed to be held. I was unaware that banks are allowed to do this for a deposit of funds, especially if the check was from a commercial entity.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX. Also take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-07-08
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. (IN)

On XXXX XXXX, I reviewed my credit report and noticed that I had a late payment on an account that I was never late for listed below. 
XXXX XXXX XXXX XXXX ( 3 ) I have requested Experian to provide me proof with statements showing these late payments were late during and end of the investigation process. I never received any documents. I also explained to Experian that I never did any business or signed any contract with XXXX XXXX XXXX, nor gave them consent to speak on my behalf. Experian has failed to respond to my previous letter within the 30 day period. I have sent Experian the proper documentation they have asked for to remove these disputed items. Experian did not respond back to me after the investigation process, which is a violation of the FCRA law. In accordance to the FCRA, these list of accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish my account without my written instructions. The consumer reporting agencies have assumed the vital role of having a responsibility to report consumer information to the best of their ability with maximum accuracy. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

When I received my Annual Credit Report as well as a copy from your site, zero late accounts and zero negative accounts, yet, my credit union, XXXX, states that you are advising them of me having a serious delinquency. Something in your systems is giving this information and i need you to review it and fix it immediately, thank you.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I've made multiple attempts to get copies of the consumer report and complete consumer file Equifax has been publishing on me, but I am unable to do so via the XXXX website. I've been denied access to credit due to alleged negative items in the consumer report Equifax is publishing to third parties about me, and I would like to physically inspect the consumer complete file and consumer report to resolve this matter immediately. I've never given consent to any person to furnish or publish any information about me, especially my personal and private information to anyone.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I have been receiving unwanted calls from Midland Credit Management purchased 3 debts in my name and have sent letters while also attempting to reach out to me calling numerous times in a week, I have mentioned for them to stop reaching out to me, but recently they violated the 7 in 7 rule. On Tuesday XX/XX/XXXX I received 6 calls between XXXX to XXXX from one of their numbers which is XXXX ( XXXX ) XXXX and on the next day Wednesday XX/XX/XXXX I received 5 calls all at XXXX from another one of their numbers XXXX ( XXXX ) XXXX. I received another call from another one of their numbers today ( XX/XX/XXXX ) at XXXX XXXX ( XXXX ) XXXX. Im not sure how to proceed now that theyve violated this but I am making the complaint. Please feel free to reach out if anything else is needed from me. I do have screenshots of the call logs as well.
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (MI)

After having unexpected expenses in XXXX 2015, I fell behind on my mortgage. My mortgage is new and I am the only one employed in a household of XXXX. I have applied for help 4 times and denied for various reasons, one being I need to show an INCREASE in income. The only resolution they gave is to pay 2 payments a month which would be XXXX, almost XXXX of my income. I since applied to XXXX the hardest hit fund for assistance and was told the only issue that will result in denial is that my servicer is not a participation lender in the program. I was told to contact mortgage company and request they participate, their response was no! I looked further into the program as I could n't believe a mortgage company would n't accept funds to help prevent foreclosure from a federal program. I found that my servicer was a participant in other states including XXXX, XXXX, XXXX and probably more. I need help to catch up and I want to keep my home. I have no intention to let my home be taken away from me and my family. I have since addressed the new information with my servicer and was told " they will get back to me ''
Consumer complaint received 2019-05-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Associates Loan Servicing LLC (ID)

XX/XX/XXXX : received letter stating XXXX XXXXl , XXXX was willing to settle debt at 50 % of balance owed.

XX/XX/XXXX : called XXXX  XXXX  to settle for the 50 % XX/XX/XXXX : received another letter demanding final payment for the remaining 50 %, called XXXX XXXX to resolve issue and informed them that if i continued to receive any sort of correspondence from them I would report them and have the payment made recovered from my bank. I was informed that they would notate my account and I would no longer receive any correspondence from them in regards to said debt. All letters have ceased up to this point.XX/XX/XXXX : received multiple calls in which no one was on the line.

XX/XX/XXXX : received multiple calls in which no one was on the line again.

XX/XX/XXXX : received call in which the person on the other end refused to inform me as to what the call was in regards to unless I provided him personal information to verify my identity. I refused to supply the person with any information as he would not give me any information and I wasn't giving out personal information until he verified why he was calling or who he was with. Did a phone number search and found that it was XXXX XXXX. Called back spoke with a woman who said that her supervisor would be notating my account to show that the account was closed, I would no longer receive any correspondence from the company and that after 28 days of making said payment the account should have been closed.

I feel that they are using harassing tactics to scare people into paying the entire amount even after offering a settlement. They refuse to verify who they are and what the call is in regards to. If I hadn't gone through this with a similar company I wouldn't know that this is unacceptable behavior, other people may not know that this is not ok and end up paying XXXX  XXXX more money because they're scared that it won't be resolved unless they make another payment. If a settlement is offered and you accept that you should no longer be receiving any correspondence from XXXX XXXX  other than a letter stating account is settled.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX Dear Sir or Madam, Transunion will not allow me to access my account without first paying a fee to sign up for monitoring service. They reset my password which required payment first. 

1. Their phone system does not work- they do not save your place in line and do not call back.

2. Their chat representatives will only grant access to pay first membership before you can access credit info.

3. They were given current and accurate information ( address, phone, social, DOB, etc ) 4. I've spent many hours on their site trying to gain access but its not possible without paying them first. Please help. 

Thank you XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I recently received a credit card limit of over {$30000.00} on my preferred credit card. I also have a backup card from my credit union. I don't want another card any longer. I opened this card about a year ago to purchase an expensive camera because of a promotion. I have satisfied all requirements of the promotion. When I went to the Citi Bank website, I wound up with a robot. The robot said it was 'Pulling up my account details ' and then went away. I waited about five minutes and then asked it what was going on. It said I would have to speak with a representative and I could search for that number. I found the number and called. I got XXXX XXXX. I asked to close my card. He started questioning me as to why. I explained, too many card and too much credit. He then asked for my credit limits elsewhere. I told him it was none of his business ( at this point I expected he wasn't going to be cooperative. ) He then complained that I had taken advantage of their promotion. I thought that's what they wanted! When I shut that down he started in on a sales pitch. I interrupted and said 'Please just close my account ' and I hung up. I am busy. I have more to do than I have time for. I couldn't spend the afternoon chatting with XXXX just to close my account. I expect that CitiBank wants to keep me on until they can charge an annual fee. I want to avoid that. I also expect that this is a standard practice for CitiBank, which is why I won't use them as my principal bank as this style is coercive. Today is XX/XX/year>.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Army and Air Force Exchange Service (FL)

I submitted a complaint to CFPB on XXXX XX/XX/XXXX and it was immediately closed regarding this same issue. Why was it closed? 

I was divorced in the XXXX  of XXXX. During the divorce I contacted all credit card companies and our banks to remove my ex wife from the account, or close all of the accounts. The military Star card through The Exchange Credit Program is the only credit card that did not close my account as requested through their consumer phone number to close accounts. 
I went XXXX  for work shortly after for 4 years, came back to the U.S. In XXXX I notice my credit score had dropped to below XXXX. The military star card was used by my ex wife, military star card did not close the account as required. I contacted military star card and asked them to cancel the card, close the account, they only sent the original documents and nothing else, they also refused, did not close the account. 

Once again, this last month, my ex wife has been delinquent in her charges and caused my credit to slip. 
This is absolutely wrong. Military Star did not follow their obligations to close this account, and initially you have refused to look into this. Your my resource for issues such as this. Cant you at least contact Military Star card The Exchange Credit Program and have them have my wife keep her own account and free me from this? What is the reason you would refuse?
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Transunion XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name XXXX XXXX XXXX - Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc. (PA)

I have had an account with Veem for some time and today, I received a somewhat large ( to me ) payment from a client for a deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money.