davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX acct number ending XXXX, have 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 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX acct number ending XXXX, have 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 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC (AL)

Finance Institution : Continental Finance Card : XXXX  XXXX I have been attempting to have my undelivered credit card replaced for over 6 months without success. I called their customer service as instructed and they then directed me to the card replacement department. Here are the issues I experienced : - They did not send me a replacement card as they said they would. 
- When you call the card replacement services, they ask for your full card number which is not on your statement or online profile. 
- After several attempts calling their customer service to resolve the issue, they kept directing me to card replacement services. When you speak with card replacement services, they redirect you back to the lost/stolen department. 
- After asking me for my phone number to verify my account so they could send me a message showing they were sending me a new card, no message came through. So, the representative proceeded to tell me that I would have to talk to customer service because I didn't receive the " alleged message '' he sent. When I asked him which number he sent it to, he told me that he didn't have a phone number on my profile, and tried to redirect me to customer service. 
- When they originally said they were going to send me a new card, they charged me over {$100.00} for replacing the new card. 
- The company does not give you the option to cancel your card on their website. 
- When I spoke with the lost/stolen department and was not satisfied, I asked to speak with a manager. A woman gets on the phone and takes all of my information again and says that she would replace my card immediately. She stated that I was being transferred to card services. Music played in the background for 2 minutes before the phone just hung up. When I tried to log into my account after the phone hung up, it stated that I was blocked from accessing my account. 

This company is a total fraud that has been giving me the run-around for months. I would like for them to be investigated for fraudulent practices.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (GA)

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have not given EQUIFAX, XXXX nor XXXX the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Consumer complaint received 2022-05-14
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. (FL)

On XX/XX/XXXX I received two notifications that two inquiries were placed on my credit report with Equifax that I did not authorize. I am very upset as these are fraudulent inquiries. The first inquiry was done on XX/XX/XXXX by XXXX XXXX. The second inquiry was done on XX/XX/XXXX by XXXX XXXX. I want these removed immediately from my Equifax credit report as I did not give authorization for any inquiries.
Consumer complaint received 2022-05-14
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX I received a letter telling from XXXX XXXX stating Quicken loans would take over my account. I called Quicken loans and confirmed they would mail a bill with my new account number. On XX/XX/XXXX I received a LATE NOTICE!! This was my first correspondence from Quicken Loans. I could not pay a bill I never received! I didn't even have an account number. The 1st representative I spoke too told me they would not report to the credit bureaus, but they did!!! I also explained that we are affected by CA wildfires, and our mail has been affected.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I have a personal loan through One Main Financial in XXXX, KY XXXX. If I am ever late on a payment, they call me multiple times a day, and they continue to call me before XXXX XXXX despite me telling them not to.
Consumer complaint received 2022-05-14
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. (NY)

unauthorized hard inquiries on my credit report listed need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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. (FL)

8. 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 an account without my written instructions
Consumer complaint received 2022-05-14
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my right. 

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

15 U.S.C 1681 section 602 A.2 : it also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello there, I have opened a Citi Checking account upon advice from a Citi Mortgage XXXX lender. He suggested that if I Open a Citi Checking account and deposit {$50000.00}, I will get a better interest rate on my Mortgage. I did the same and opened a account and deposited XXXX. Once the Mortgage is closed, I tried to withdraw the money to use for my investments and Citi has flagged my withdrawal request as fraud and closed my account. 

I tried calling the customer support multiple times and they either hung up the calls on me with out giving me more information on how and when I receive my money back or they try to help but say that this is handled by their internal department who does not have a direct phone to reach. The customer support team tries to email this internal department and does not hear back for weeks. I also tried going to the Citi physical bank location near by home and they are of no help either. 

Account opened XX/XX/2022 Balance on XX/XX/2022 - {$50000.00} Citi closed the account on XXXX XXXX, 2022 Now I am at a loss on how to get my funds back to me. Customer support and/or their physical locations are really helpless.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
XXXX, Acc # 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. states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-09-25
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. (AZ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (IL)

I submitted the proper forms to Optum financial to transfer the balance of my XXXX XXXX balance that was held by my former employer to my new XXXX XXXX institution XXXX  for my new employer. I submitted the form in XXXX and have followed up approximately 10 times and over 10 hours on those calls. One day I spent over 2 hours waiting on hold and finally demanding to speak with a supervisor named XXXX who looked at my form and assured me they would process the payment in the next few work days. That was 2 weeks ago and I've followed up a couple time with them and asked them to flag XXXX to get me an update. I have heard nothing back and my transfer has not been initiated. Their phone number always has a long wait, I've asked for my item to be escalated, but there is no movement or follow up.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (FL)

I am writing to inquire about the status of my ongoing dispute concerning a negative item that is solely reported by Experian on my credit file. Despite previous correspondence, the issue remains unresolved, and I am growing increasingly concerned about its impact on my credit profile.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (LA)

On Tuesday XX/XX/2019 I transferred {$1200.00} into my checking account from a savings account that I opened up with Navy Federal Credit Union for the purpose of depositing my XXXX  son 's SSI XXXX check in the amount of {$1500.00}, which I had deposited on Saturday XX/XX/2019 and had cleared Monday XX/XX/2019. After the transfer was successful I left my home and realized I had to withdraw some cash so I went to use my card at the ATM and the transaction was declined. Confused by this i logged in to my account on the Navy Federal mobile app and noticed all of the money I just transferred had been removed and dispersed to other Navy Federal accounts that were past due. This was done without any prior  notification, no phone call or any other form of communication was used to notify me that funds were going to be transferred. 

I quickly called customer service who then transferred me to Personal Finance Management and finally to Collections. The representative in Personal Finance Management was unable to fix the issue himself so he informed me that collections should be able to and explained what I needed to tell them in order to get the funds reversed. The representative in collections took my information down and put in a request that he said could take up to 24 hours. I waited and called back Wednesday XX/XX/2019 to reach him via his extension. After being answered by other representatives and left on hold, one time up to an hour, I was informed that the request had been denied because " no prior arrangements had been made. '' The representative and supervisor were unwilling to reach any sort of agreement or work towards solving this issue in a way that would be beneficial to myself and the bank. I was willing to make a small payment in exchange for the return of most of the funds. My pleas were met with stubborn refusal and indifference to my situation.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (AZ)

Late last year, I discovered I am a victim of identity theft. I contacted each financial institution to report the fraud. Beginning XX/XX/2021, I submitted multiple requests to Equifax and XXXX to have the fraudulent inquiries deleted from my credit profile. To date, this request has still not been fulfilled. My last submission included a copy of my identity theft report, my photo ID, and a list of the inquiries using the template provided by the Federal Trade Commission for just such a request. 

Please assist me with getting this request fulfilled. If more information is needed, please contact me via phone/email/mail and I will gladly provide the additional information. 

My review inquiries have been pending since XX/XX/2021, which is now XXXX XXXX months ago.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX wrote TransUnion on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my TransUnion consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for TransUnion to remove these accounts from my consumer report but yet they are still listed. I demand that TransUnion remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By TransUnion allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX.
Consumer complaint received 2018-02-26
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 (TX)

Hi, i applied for a Delta Gold Business credit card from Amex with a sign-up bonus of XXXX Delta miles subject to meeting of minimum spending requirement within the time allowed. I met all the requirements in XXXX, 2017 to get sign-up bonus but i have not received sign-up bonus. I called Amex multiple times and they have been saying that they opened a case to investigate it but i don't see any resolution from them.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 2022-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting acXXXX 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