davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX -XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-04-20
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. (MO)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency, please see attached documents and ID as it contains my full complaint and request I called experian on XX/XX/XXXX and submitted a identity theft dispute on XX/XX/XXXX I mailed out all the documents attached below with certified mail and it was received by Experian in XX/XX/XXXX I called Experian on XX/XX/XXXX and nothing has been resolved
Consumer complaint received 2022-04-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/, A number called me using a rerouted Bank of America number telling me that there was a fraudulent charge and put a code in XXXX to verify my account. I accidentally sent {$1900.00} to them under false pretenses, I immediately called Bank of America asking for an investigation, they responded on XX/XX/XXXX, that no error occurred. We appealed the claim, and they said they couldnt recover the money on XX/XX/XXXX, and told us to contact the receiver.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (MD)

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit.

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

Equifax XXXX XXXX
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (TN)

XXXX filed bankruptcy following me attending the school. I did not acquire any credits and they are currently in litigation for bankruptcy court. I need to have my loan forgiven to help me purchase a home because I figured out early on that none of those credits transferred so they took my money and ran even though they did say they transferred. It was just a money scam from a so called school.
Consumer complaint received 2022-04-20
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. (CA)

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 Accounts has violated my rights. 

( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last 5 months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within 10 days of my statement ending in XX/XX/XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed by eligibility and said I would not receive the miles as promised. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel that Citibank is engaging in dishonest and misleading business practices that should not be allowed. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a XXXX year old XXXX  at XXXX XXXX. Today, I wanted to check my credit score after  building up credit over time on my XXXX  credit card and wondering why my score kept going down. I learned in XXXX XXXX XXXX that TransUnion is one of the credit bureaus that offers a free annual credit report, so I went to their website to get it. I clicked " Check your credit report '' and signed up, thinking it was free. When I had to input my credit card information, I did a XXXX search because I thought that was strange. I searched " why does TransUnion ask for credit card information '' and the first result that came up was FROM TransUnion, saying " we ask for credit card information to ensure that the billing address matches the address you listed when signing up. '' There was NO mention of a product or service that I was signing up for whatsoever, and even the disclaimer was extremely unclear. While reading everything written on the page, I thought I wasn't going to be billed. Then, once I checked my crdit report, I saw a {$25.00} charge to my credit card. 

This is absolutely ridiculous. TransUnion is preying on people who don't know better than to fall for their " free '' credit report scam. They know exactly what they're doing taking people 's money, and even going to XXXX, studying XXXX, and taking a XXXX XXXX   XXXX didn't stop me from falling for this. Please hold TransUnion accountable.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (CA)

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 Accounts has violated my rights. 

( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Consumer complaint received 2023-10-20
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)

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.

has violated my rights. Or a list of inquiries : 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 2021-08-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I had spoken with representatives multiple times and made it very clear I could not afford to pay this debt unless it would be removed from the credit bureaus. First agent explained that upon payment it would be DELETED was then transferred to another rep to take payment. To verify, i again asked the debt would be removed. They said no it would not but only be updated to paid. This does not help me as I am trying to get into a mortgage transaction. The agent lied by saying it would increase my score. This is TOTALLY FALSE AND MISLEADING INFORMATION. I thanked them for their time and explained that I did not have the funds to spare if the debt would not be removed from the credit bureaus. 

The next time I called the agents again were well aware of my situation and my stance. It was heavily implied that the account would be removed as the agent told me he would have the supervisor make an exception for me. I felt confident that the agent was kind and sympathetic and was going to help me out. This is the ONLY reason I made the payment under the assumption that the account would be removed.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I used XXXX XXXX online bill pay service to pay my Delta Sky Miles Gold Card American Express bill. I scheduled the payment that was due on XX/XX/XXXX to be delivered by XX/XX/XXXX. When I received my American Express bill the following month, I noticed a late fee of {$29.00} and an interest charge of {$56.00}. I called American Express to inquire and was told that the payment was received late, thus the charges. I called XXXX XXXX to ask why the payment was sent late and they told me that I could open a case and they would look into it and opened a case on my behalf ( Case # XXXX ). 
After receiving notification from XXXX XXXX that they were not at fault because they sent the date on the day I requested XX/XX/XXXX, to be delivered by XX/XX/XXXX but American Express stated it wasn't received until after the due date. After several calls with both XXXX XXXX, American Express and one three-way call with XXXX XXXX on XX/XX/XXXX, American Express and myself, I was told that the bill was sent to the incorrect address and the correct address was XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX At that point, I thought the error was on my part but after getting off the call I checked my bill and saw the address is XXXX XXXX XXXX, City of Industry, CA XXXX which is the address I had entered on XXXX XXXX bill pay. I then called American Express to explain this and was told by a supervisor named XXXX that they will not be reversing the charge and there's nothing that could be done about the charge because they never reverse charges in the first year card membership. 
I was told several times when speaking with American Express that I could avoid this from happening in the future if I signed up for automatic payments which I am not interested in doing.
Consumer complaint received 2024-05-24
Product: Credit 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: WELLS FARGO & COMPANY (NC)

I have XXXX credit card with XXXX XXXX that I used to purchase XXXX tickets from XXXX in XX/XX/2023 for {$1300.00} XXXX filed a dispute with Wells Fargo ID number XXXX they refunded me the whole amount after few weeks then took the money back from my account later they called me to offer me getting refund of half the money. 
I refused because I need a-whole refund. 
They did not help me get my refund back. 
The merchandise did not serve us with the service that I paid for. 
we went ahead of time to airport to check in they but our luggage out from the belt then say you can not go inside the plane later told us purchase another ticket with another airlines and call your credit card to get a refund. 
We asked for help to go with another trip or any other options they refused to help. 
They told us purchase another ticket and do refund from your banker which we did.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have had issues trying to log into my online account to view statement, charges, pay bill each time I contact Comenity Bank for my UltaXXXXCard they tell me to reset my password wait 10 days and resign in to no avail. I've been going through this since XX/XX/year> and tried to log in to day and I am unable to.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have two credit cards with Comenity Bank : 1 ) Ballard Design and 2 ) Ulta MasterCard. 
. 
I have been locked out of both online accounts since XX/XX/XXXX which is how I review my charges and submit payments ( timely ). 

I have contacted both accounts from the numbers on the back of the credit cards and each time they tell me the same : I need to reset my password ( I've tried and it doesn't allow me to ) ; I need to use a different browser ( done that still doesn't allow me to reset ) ; They tell me they need to reset the system and for me to wait 10 days before trying to log back in to reset ( done that still doesn't allow me to reset or log in ). 

I have done all of the above numerous times as requested and to date XX/XX/year> I am still locked out and have payments due on or before XX/XX/year>. 

I do know a class action was filed against Comenity a few years back for this very reason they lock consumers out of their online accounts and then charge late fees. 

Of course, payments can be submitted by telephone and/or XXXX mail ; however, my accounts are set to paperless billing ; therefore, I don't receive a statement and can not look and see exactly what has been charged to those accounts... not to mention... it's my consumer rights to be able to review my bills. 

I have even contacted Ballard Designs storefront and they've tried to assist me with Comenity to no avail. 

I also filed a report with the FDIC who recently let me know they were referring this matter to your organization.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2022-04-20
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)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$9300.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-04-20
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. (IN)

The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Brokers XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX XXXX I called XXXX Barckleys about the promotion they offer me about balance transfer to my checking account, I spoke with someone from XXXX to process my request, she asked me if I am ready to accept balance transfer, I ask her what account number you have, she said tell me your account number, I told her three times and I ask her to repeat the account number to me, she said it matches the number I have but I cant repeat to you because of security reason, I never receive the money and they charge me to my credit card and they want me to pay.