davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (GA)

I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with Experian and XXXX on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both Experian and XXXX have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX Accounts ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXXXXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If Experian and XXXX does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NH)

My mother set up a Discover Bank account to save money for my daughter. When my mother passed we transferred that account to me to manage. Before the pandemic I had an automatic transfer setup to deposit money on a monthly basis to keep it growing. When the pandemic hit, we stopped depositing money, and only checked the account around tax time to see how much interest was added. I am filling out some paperwork today and needed to check on the savings total, but was locked out of my online account. After calling Discover and regaining access to my account, I scrolled down through the transactions and saw that there were XXXX fraudulent transfers out of my account. All were transferred out using XXXX. 

XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$580.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX I also noticed that my email address was changed to XXXX At this point I called DiscoverBank.com and reported the fraud on XXXX, XX/XX/XXXX. But because the fraudulent transactions occurred more than 120 days ago, they could not do anything to reimburse me. They suggested I contact XXXX, so I did ( XXXX ), and was told that it wasn't their problem, that it had to do with Discover 's policies. So I called Discover back and they confirmed that because it had occurred more than 120 days ago, they could do nothing to reimburse me. I asked how someone was able to change my email address without anything alerting me and they said that " our system clearly noted something had happened because it stopped any future transfers of funds beyond the XX/XX/XXXX transaction, and suspended online access to your account. '' I was not notified by phone or email or mail that access to my account had been suspended. If I hadn't been doing paperwork today and needed to check the balance, I would not have noticed until tax time. 

There is no recourse for me to get any of this money back. Money that my retired parents ( XXXX passed 7 years ago ) helped build up over 10 years. My XXXX researched XXXX companies before landing on Discover to create this savings account. She put her faith in them to help us build a nest egg for our daughter. And because I wasn't checking the account every month ( why would I since nothing was going in, I ASSUMED nothing was going out ), and because of some random number of days they have assigned to their policy... it's not their problem. Shame on me for being a working class Mom with more than enough stuff on her plate to pay attention to than to keep an eye out for someone sucking our daughter 's savings dry. 

Discover should be ashamed of themselves. 

I made a formal complaint, but expect to hear nothing back. I have closed our account.
Consumer complaint received 2022-09-17
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. (NY)

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : XXXX5 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 consent. 

XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX DXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also XXXX credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (IL)

In XX/XX/2022 I received a notification from Experian and XXXX that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with Experian and XXXX and they both said they can't do anything about it despite having solid proof that payment was made and received on time.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

During the months of XXXX, XXXX, and XXXX of XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX, Experian, and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Consumer complaint received 2020-07-12
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. (GA)

XXXX is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Consumer complaint received 2022-12-28
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. (NC)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I have an account with Santander Consumer XXXX USA car loan. I have not been past 30 days within in the past year. Often, I have to call Santander Consumer USA to report my account. They did go back report my account as late every month and previously it was reported paid on time on XXXX. I did have deferrement on the account last year XXXX. XXXX due to COVID. They reported it as 30 days late. For XXXX. XXXX they reported the account is current paid on time. They have not reported for XXXX or XX/XX/2021. They also reported my account paid and late within past 90 days. This has dropped my credit report I am in the process of closing on home and this could keep me from my purchase. I am asking that Santander will report correctly and show where I have been making on time payments and remove the negative issues on my account.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern, I requested credit freezes on my credit approximately 6 months ago following attempted fraud involving my social security number. Today, XX/XX/2020 is my third time period ( different months ) experiencing the same exact problems with Experian 's online and phone processes for temporarily unfreezing my credit following phone and internet requests by me to temporarily unfreeze my credit so that I may apply for credit. Supposedly, a temporary unfreezing of my account can be implemented with an hour of my request ; however, Experians process takes me weeks every time. The past two time periods that I attempted to temporarily unfreeze my credit, I had issues with Experian 's phone and online request processes ; ultimately requiring hours of my time and multiple weeks to resolve. 
Experian 's resolution each time, without explanation or justification or future resolution, was for me to send my private and personal information, again, and eventually, weeks later, recieving a pin to temporarily unfreeze my credit report. They have not offered to fix this issue or even provided a resource within their organization that can troublshoot the repeated falure of their processes that do not allow me to immediately and temporarily unfreeze my credit. I am unable to get live support from anyone who can explain why I must submit, by mail, all my private and personal information, to wait, for mail again, for yet another new pin each and every time I request a temporary unfreezing of my credit. My understanding is that I should be able to unfreeze my credit, temporarily, within an hour of my online or phone request ; 24 hours would be managable. Three weeks is detrimential to my personal and professionally finances having potential to jepordize my livelyhood. Any assistance getting immediate and qualified Experian live help to resolve this once and for all is my goa ; Please Help! 

Frustrated, Aggravated and Anxious, XXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX  carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Consumer complaint received 2022-07-08
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act 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 2023-11-23
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: SoLo Funds Inc. (FL)

I have had a loan with solo funds since XX/XX/XXXX. I had fallen through some tough times. Which caused me to be unable to pay back. I have had loans in the past with solo funds this is the first one I have missed. In XX/XX/XXXX XXXX my account with solo funds was transferred to XXXX a debt collector. I went ahead and I was put on a payment plan of {$62.00} with the another debit card I had on file starting XX/XX/XXXX. I thought I was on the right track. I called XXXX just to see what my balance was and I was told that my balance was the same and no payments were being taken out. I checked with solo funds because i when I logged in to XXXX it said I have XXXX outstanding balances. I only have XXXX account with solo funds. So I spoke with an agent named XXXX and she told me she will forward my information to my recovery team. Today XX/XX/XXXX I received an email from solo funds recovery team. Asking if I can settle the loan of {$690.00} into XXXX payments and in order to be placed in a repayment plan an upfront payment of {$340.00} must be made immediately and I was told that collections efforts will continue that auto debits. Payment reminders via calls texts and email will continue until received. I responded back explaining my hardship. That my bank was overdrawn and Im working on getting back on track and I had spoken to my employer about getting more hours and asked for emails to be ceased until I get my bank account straightened out. I received a response that all collection efforts will continue until the lender receives his money back. I feel like Im being harassed and intimidated This has been a rough year for me and I am making an effort to get back on track financially. All I ask for the the emails calls and texts to cease and when I have enough funds that I will reach out to settle this matter. I am on a fixed income and Im barely making it.
Consumer complaint received 2022-07-08
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: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX I was on a social media website and seen an ad for a XXXX XXXX  product it was offered to pay shipping only of {$6.00} to try the product. When I entered my credit card information into the system the page automatically cycled through added items to my cart of {$9.00} & {$39.00} and checked me out. I did not receive an order confirmation. I immediately called my credit card company MasterCard/Ulta and advise them what just happened. I told them that I wanted to cancel the charge that I felt like it was a fraudulent action and that I wasnt confident that I was dealing with a real company. Ulta advised me that the charges were still pending they couldnt see anything therefore they couldnt do anything and they had no number or info to provide me at that time. They advised me to call back after the charges cleared and that then they could help me dispute the charges. When I received my next statement there were more charges on my card for an additional amount of {$110.00} and {$110.00} dated XX/XX/XXXX from XXXX different companies XXXX of them being XXXX XXXX XXXX {$6.00}, {$39.00}, {$110.00} And the other being XXXX XXXX XXXX XXXX {$9.00}, {$110.00} I attempted several times to reach the merchant and request credit on my account that I was not happy with the service I did not receive any product and that I did not know who they were. I never got a order confirmation, I didnt even know who they were. At that point I realized online on my credit card company Ulta I was able to lock my card so I did, to prevent anymore unauthorized charges. When I spoke to someone they were short and rude with me said that I gave them my information and therefore I was being billed for it and since I blocked my card I would no longer get charges. I told them again I did not authorize the purchase, that I was not happy with the service, and that I didnt receive any product and I wanted a refund on my account immediately. Finally on XX/XX/XXXX a lady named XXXX with the collection company advised me that she did credit my account on XX/XX/XXXX for the full amount of {$290.00}. I asked her for a reference number and she gave me # XXXX told me to have a nice day and hung up on me. I have written to UltaXXXX several times and reported all this & called merchant multiple times. To date I still have not received a credit nor gotten resolution. Can not get resolved. Looking for help.
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act 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 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account 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 2022-06-22
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act 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 2021-12-23
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. (TX)

Experian 's National Consumer Assistance Center at XXXX XXXX XXXXXXXX, XXXX, TX XXXX has received letters in reference to reporting incorrect information on my consumer report. On XXXX XXXX a letter was sent, Experian acknowledged receiving the dispute notice and responded as- the company that reported the information has certified to Experian that the information is accurate. Any information being reported must be 100 % accurate. 
Although the information is clearly reporting incorrectly, inaccurately and it is a violation to report incomplete and inaccurate experiences on the consumer report. This inaccurate reporting is a defamation of my character, showing willful negligence and willfuly reporting inaccurate data. The FDCPA 15 USC 1692 ( g ) clearly proided the violation along with FCRA 15 USC 1681 the violations of wilful noncompliance.
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I paid my XXXX credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of Capital One Auto inquiry on XX/XX/XXXX.