davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (NJ)

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 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 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 2020-06-30
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. (MI)

This issue has been unresolved for several months now. 

I have filed multiple disputes with TransUnion and they have done nothing. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. When one of the cards reports to TranUnion, it replaces the other card. This process repeats itself as each card reports. 

Here are the more specific details. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. One is a secured card with a limit of {$1000.00}. The other is unsecured and has a limit of {$500.00}. 

The {$500.00} card reports on the XXXX of each month. It shows up on TransUnion 's report. A week later, my {$1000.00} cards reports. When it does, the {$500.00} card is removed from my report. My report stays this way until three weeks later when my {$500.00} card reports. When it does my {$1000.00} card gets removed from my report. This cycle continues month after month, so it seems that on TransUnion i have only one card and it keeps fluctuating from {$500.00} to {$1000.00}. 

As a result, my credit score rises when it supposedly sees an increase of {$500.00} in available credit, but then drops when it supposedly sees a {$500.00} decrease in available credit. 

Several investigations by TransUnion have done nothing to resolve this error. One of TransUnion 's customer service representatives has acknowledged this problem. I do not know why they won't resolve it.
Consumer complaint received 2023-01-29
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 my Chase Bank XXXX Account was used in an act of fraud whereby XXXX unauthorized transactions took place on my account, debiting {$1800.00} from my checking account. These transactions all took place at a XXXX XXXX in XXXX, which is approximately XXXX miles from my home. When I called XXXX, they initially helped and told me I was not responsible. We cancelled my debit card and within a few days the money was returned. Shortly after, they sent me a notice ( via message in my online banking profile ) stating that they reviewed my claim and determined the transactions were authorized and then they debited the money back out of my account. When I called them to ask why, they said that the transactions could have only happened if the person had my pin #. Because of that, they said it was authorized. I again told them that I NEVER authorized anyone to use my debit card, that my Debit Card was in XXXX with me ( at home ) and that those were not my charges. They refused to talk to me any further and denied the claim. I asked them why the Chase XXXX Dept. didn't pick up and give me an alert for XXXX transactions being done on my card within a few minutes over XXXX miles from my house. Isn't their fraud protection supposed to help their clients get alerted to such things? They again, said it was an authorized transaction and not considered fraud to them. However, if I use my debit card a mile from my house at a gas station, they send me a text asking if it's me. But they did not even pick up on XXXX transactions within a matter of minutes at a convenient store in the amount of {$1800.00}. To me, Chase was deficient in their responsibility to protect their customer. I did not authorize any transactions, I did not make these transactions and they failed to protect me. Further, it is my understanding that they are to provide me with information on how to appeal that process. They did not. They just sent me a denial with no clear reason on why it was denied ( other than saying it was an authorized transaction ) and no information on appealing the decision. I have spoken to several XXXX and they all continued to deny the claim. One person even accused me of trying to fraudulently make a claim. I just want my money back. Again, these transactions took place at a XXXX in XXXX, while I was at home in XXXX ( with my debit card in my purse ). Chase Bank/JP Morgan Chase did not protect me in accordance with the expectations presented to me when I chose to bank with them. Further, when whomever was committing this crime was trying to set up a digital wallet using my account, I got a text from Chase Bank with an activation code. I replied to the text that is wasn't me and that I did not add my card to a digital wallet. Chase did nothing! Whoever did this was able to set up a digital wallet using my account without Chase catching them.
Consumer complaint received 2021-05-06
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. (IA)

I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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: Experian Information Solutions Inc. (CO)

I co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

Experian has nothing on my credit report so my credit from them is the lowest than XXXX or XXXX. XXXX doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to Experian and XXXX, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to Experian and XXXX being incorrect.
Consumer complaint received 2023-01-11
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through Experian only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Consumer complaint received 2021-05-03
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: JPMORGAN CHASE & CO. (OH)

In XX/XX/2021 I was sent a check for merchandise i was supposed to buy for a job i didnt end up. The check ended up being fraudulent. I cashed the check and sent the money back BC I was being honest and wasn't going to keep the money since I wasn't taking the job. It went through my bank. I sent the money back to them and then the check was returned. The check was for XXXX. 
My bank was chase bank.
Consumer complaint received 2023-01-11
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: American Profit Recovery, Inc., Marlborough, MA Branch (KS)

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
Consumer complaint received 2021-05-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In year 2015 I had received a title loan and I had paid it back on time they continued to repossess my vehicle so I took them to court in XXXX XXXX CA XXXX XXXX XXXX XXXX small claims. The judge had ordered the debt paid and they were to no longer try and recover any more money from me this is not been the case situation arose after I realized it a few years later when I got a call from a debt collector saying I owed {$5000.00} to loan Mart. So I called loan mart and I told him about this. I reminded them that I no longer have a debt with them and we had went to court and the judge ordered them stop harassing me and trying to collect my money so I thought this is taken care of but my credit score has an improved I recently got my credit scores from XXXX  and all the other ones and I noticed that the debt they are trying to impose on me with the credit agencies which is ruin my credit is now over {$10000.00} the judge had ordered this debt paid in 2015 and they continue to try and go after me for my money. The information is XXXX XXXX XXXX 2015 XXXX XXXXXXXX this is a case number for XXXX XXXX Superior Court in California proving that the judge had ordered them paid that I do not owe them and needs to be investigated it needs to be removed from my credit report I had written credit agencies and ask him to take this off of my credit score and they have not please correct this matter for me you can get a hold of me at XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (FL)

First I never received any notice if this debt to verify or dispute it I never seen it till I seen it on my credit report I requested the credit bureaus investigate this debt on XX/XX/2021 and only XXXX verified the debt I then contacted the agency on XX/XX/XXXX I was told I could settle and close the account for {$80.00} I paid the {$80.00} on XX/XX/2021 when I contacted the company today XX/XX/2021 I was told that the {$80.00} would not settle the account I needed to pay {$130.00} more to settle the account. When first contacting them via Chat the rep never even told me this was an attempt to collect a debt over all I feel lied to and would like this account to be settled. Also I feel like I was being recorded without permission online from my computer because when I spoke out loud about what was going on the online chat screen disappeared.
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

I want to appeal the decision cashapp did not contact me about the money they keep playing games I know they r stealing and I can prove it I don't understand the role cfpb played in this bogus response they violated their own terms of service they lied about the money recipient has tried to refund payment but cashapp says insufficient funds how can u have a balance of the money on screen but insufficient funds wen trying to use funds. I don't except decision because it's based on fraud and possibly criminal behavior not only do I want my money back I want punitive damage of {$5.00} a Day that they willfully and knowingly kept me from my own money due to shady practices. I'm also contacting the JUSTICE DEPARTMENT SOMETHING IS DEFINITELY WRONG
Consumer complaint received 2023-01-29
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. (NJ)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (AL)

Caine & wiener is reporting a debt on my credit reports. XXXX is listed as the original owner. However, XXXX  was notified that the vehicle was repossessed XX/XX/2021 and therefore there should be no balance owed. Documentation to support this was sent to XXXX However, this is reporting as valid and it has not been validated or verified. It is causing issues with me getting an apartment.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I hired XXXX on XX/XX/XXXX at the recommendation of XXXX. I needed a coaxial cable to be run into my home. 
I prepaid with my Capital One credit card when I scheduled the appointment. 
The technician came and didnt install the cable. He recommended we use XXXX cable already installed which obviously didnt work. He spent a couple of hours trying to make the old cable work instead of installing a new one. 
I had to hire another person to run the cable. 
XXXX hasnt refunded my payment didn't refund my payment. 

I proceeded to initiate a chargeback through Capital One. Sent them all the documentation. 
XXXX responded saying the service was performed. 
The chargeback has been reversed by Capital One and considers the case closed.
Consumer complaint received 2022-04-07
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-06
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. (GA)

I NOTICED A FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EXPERIAN ABOUT THIS ACCOUNT NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF EXPERIAN CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME.