davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (PA)

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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}
Consumer complaint received 2022-04-09
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. (OH)

n accordance with the Fair Credit Reporting act 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 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (GA)

I realized this inaccuracy on XXXX Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following. 

I have called this company several times throughout this year and asked for the suspension on this account to be removed. However, I am being told over the phone, that Discover checks my Consumer Report every month. Yet, Im being denied a credit increase and Suspension removal. Discover Financial Services is also reporting to third party companies my private credit transaction information. I mailed a letter on XX/XX/ and have received no response. As a result, I have been denied mortgage loans and Auto Loans. 

According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I would like to inform that I NEVER gave consent to this report being furnished on my behalf and I am also aware of the fact that Discover Bank XXXX Discover Financial Services assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

Therefore, this company has not only infringed my right to privacy but also denied me an extension of credit, reported in accurate information and violated multiple FEDERAL LAWS.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I bought a power recliner from Ashley Furniture in XXXX, I received a manual rocker/recliner instead. There is a difference in price of {$400.00}. I have been trying to resolve this since XXXX. They promise to call with an update or say they will credit my account, which they have not done. I have tried their corporate office and to speak with their CEO, who is always not available. I believe this to be bait and switch. This company should be investigated.
Consumer complaint received 2022-05-03
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. (PA)

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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

About a week and a half ago my bank account was hacked. Someone emptied my bank account by sending money to themselves with XXXX. I called chase and told them what happened and they refuse to refund me for the stolen funds of {$500.00}. This is unacceptable and I can't believe that they are not going to refund me for all of the money stolen from my account.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (PA)

today on XX/XX/20 i tried contacting reliacard by US bank and spoke with XXXX he gave me a number of XXXX and that was to the us treasury dept, now this is a bank account not dept of treasury and want to close this account out all together because i thought it was a credit card and its not, nor do i need any unemployment i work for a living and i want this account closed and trying to get a hold of anyone of for customer service for reliacard is horrible it will just disconnect you if no one is available and you have to call back and put all that information again and restart waiting all over again and they refuse to the shut down this account
Consumer complaint received 2020-09-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (TN)

On XX/XX/2020 I closed on the sell of my home expecting that the mortgage was to be paid off and for my escrow funds to be returned by BOK Financial Mortgage ( BOKF ). That did not occur since 2 weeks later I discovered that my loan had been sold off to a new lender, XXXX XXXX ( XXXX ), on XX/XX/2020. This caused a lot of confusion and frustration because BOKF should have sent the funds to XXXX XXXX according to Federal Law,  which has a 60 day transition period. BOKF returned the funds to the title company, XXXX XXXX, via a mailed check. The delay in payment caused additional interest to accrue on the mortgage. 

I did notify my contact at BOKF of my intent on selling the home in early XXXX. Also, I pulled a payoff quote from BOKF on XX/XX/2020. The title company also worked with BOKF for the payoff amount even though it knew that it no longer owned the mortgage. 

Additionally, the XXXX XXXX representative told my Title Services representative that the additional interest should have come out of my escrow because I had money available. This sounds illegal, if not unethical. 



Original Lender : BOK FINANCIAL MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX PAYOFF STATEMENT XXXX, OKLAHOMA XXXX New Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Consumer complaint received 2018-10-07
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: HYUNDAI CAPITAL AMERICA (NC)

Visit local car dealership Hyundai of XXXX XXXX NC gave permission to check my credit and I recently found out they ran it totaled of seven times.Five times on XX/XX/XXXX and once on XX/XX/XXXX call them after receiving letters from different financiaing companies and they reinsure me that they only check it once and the letters were advertisement who they are affiliate with Im seeing if I can dispute the hard Inquiries on my credit report from this. Thank you
Consumer complaint received 2022-05-03
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. (AZ)

I have sent XXXX equifax and XXXX since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer XXXX months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I currently have a membership wit Experian credit bureau in order to keep an eye on my report, I have a credit card with XXXX XXXX XXXX bank with a balance of {$180.00} according to the statement, we are in a new billing cycle, and the billing cycle hasn't ended yet, and I have new balance reported to Experian .according to the term and disclosure of the card, the credit card will have to report to the credit bureau at the end of the each billing cycle .the new billing cycle hasn't ended yet .and my report change with a decrease of my XXXX  score, when I spoke to the bank, they were not able to gave me an answer.i called the credit bureau and I was informed that it is the bank .I brought this up to the cfpb for a resolution, I believe is Experian because, this is always happened to my car loan account, which is not up to date to. 
in a circumstance like this one what are the recommendations of the cfpb.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-05-03
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)

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 XXXX XXXX  Reference Number XXXX XXXX Credit Account # XXXX VXXXX XXXX  Account # XXXX XXXX XXXX Co Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 'XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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 instruction. 

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 ) states : 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 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (AR)

I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc. (NJ)

Since XX/XX/2018, the collection agency ( REMEX, XXXX ) did not tried to call doctor 's office to find out the right amount for the sevice date even though the doctor 's office gave the agency a wrong information and I called for 1 month. There is only 1 service for the same day. I faxed a copy of explanation of benefit to the collection agency. However, they asked a copy of explanation benefit about XXXX  dollar which is not existing and they sent me as a bill. During the call, they gave me a lot of stress by asking me of not - existing document repeatedly. I would like to report the agency vioates the consumer right law ( verbal abuse ).
Consumer complaint received 2018-11-08
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. (KS)

Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from Transunion. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to Transunion and to XXXX and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Consumer complaint received 2020-09-22
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: Pendrick Capital Partners (GA)

I received numerous calls from XXXX XXXX XXXX  by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this XXXX XXXX XXXX, enclosed are original bills from the XXXX providers who rendered services. The details included dates of services, XXXX XXXX, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted XXXX again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

XXXX advised me this debt has been sold to a third party, Pendrick Capital Partners II, LLC and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Pendrick Capital Partners II, LLC nor XXXX XXXX XXXX XXXX and have no contractual obligation to them. The billing details including XXXX codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

XXXX XXXX XXXX XXXX has a business affiliation with Pendrick Capital Partners II, LLC. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to XXXX XXXX XXXX XXXX or Pendrick Capital Partners II, LLC. This debt was sold by the original creditor to Pendrick Capital Partners II, LLC along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my Personal XXXX Information to Pendrick Capital Partners, LLC. Pendrick sent my XXXX XXXX information to XXXX XXXX XXXX XXXX via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. XXXX XXXX XXXX XXXX in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, Pendrick Capital Partners II, LLC obtained my service invoice it revealed my XXXX XXXX and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore Pendrick Capital Partners II, LLC and XXXX XXXX XXXX, XXXX does not need my XXXX XXXX XXXX XXXX XXXX to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden XXXX code ( s ). This is a HIPAA violation.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Uber Technologies Inc. (FL)

Early in the morning on XX/XX/2019 my phone was left in an XXXX after a trip. Because I do not have a phone, I am unable to log into the app to connect with the driver myself, due to the 2 step verification a text must be sent to my phone in order to access the account. As a result, it is impossible for me to access any information about the trip. When contacting XXXX, they have hung up on me and refused to help me. They keep directing me to automated services who proceed to ignore me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The Student Loan Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting 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)

This hard inquiries are not authorized by me 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 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 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 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to Transunion to delete unauthorized Credit Inquiries and they sent a letter back for me to reach out to call companies and have them remove them. I called companies and they stated they can not remove them.