davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (MO)

It has come to my attention that Experian was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} and XXXX XXXX XXXX in the amount of {$1800.00} ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Experian twice to no avail. No adequate customer service, which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Consumer complaint received 2022-08-02
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX
Consumer complaint received 2022-08-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-04
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. (SC)

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, Equifax and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - ALL XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Inquiries : -XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX via XXXX XXXX HL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible.

Thank you
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (AL)

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The above complaint was sent to Experian on XX/XX/2022 however they didn't complete the investigation until XX/XX/2022 which according to the Fair Credit Reporting act if the investigation takes longer than 30 days the disputed information should be removed.
Consumer complaint received 2022-08-04
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. (NC)

My mother-in-law added me as an authorized user to her XXXX credit card account at least 25 years ago. She passed away on XX/XX/2022. XXXX has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with XXXX and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, XXXX and Transunion. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion XXXX Inquiries : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible. 

Thank you
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

This morning on XX/XX/22 I received an email and notification from the Chase app that a request to change my phone information had gone through. I did not make this change or request. I called Chase to tell them that I did not make the change and they said the only way this could happen is if " I had gotten a new phone, changed my phone number, or changed my phone provider service. '' I did not do any of those things, I've had the same phone number for years and this didn't raise a red flag to the man I spoke with. He said " well, that's the only way it could happen '', and changed my phone number on the account. I then received another email that my password had been changed, and another email saying that a phone number or email was deleted from my account. I logged in to check, and the primary phone number and email address had been changed from my Chase account. Both a number and email I did not recognize or ever open/create.

I called Chase again and this woman was very helpful. I wish I had her name. She gave me a secure password to change my password on my account and I did. Then she removed the unrecognized number and email and changed the account to have my correct email and phone number. I'm glad she was able to help me but the fact that this even happened is insane. I had a very secure bank password and no one should have been able to hack my account and change information. This is a serious problem that I wasn't contacted to be sure these changes were me, and that none of this was a red flag to the man I initially spoke with. He didn't even think or say anything like, well maybe someone hacked your account, let 's look into this further. He just kept saying, this would only possible if you changed your number. Luckily, no money was wire transferred or anything like that.
Consumer complaint received 2022-08-04
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. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the XXXX  you have caused me.
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

I APPLIED FOR A LOAN WITH FORTIVA FOR A XXXX XXXX. I CHANGED MY MIND. XXXX XXXX STILL TOOK THE MONEY AND DID NOT RENDER THE SERVICE. NOW FORTIVA IS REPORTING ME TO THE CREDIT BUREAU FOR NOT PAYING. XXXX XXXX REFUSES TO GIVE THE MONEY BACK TO FORTIVA. IM NOT RESPONSIBLE. XXXX XXXX  IS A THIEF AND THEY ARE KEEPING THE MONEY AND WANTING ME TO PAY FOR A PRECEDURE THAT THEY DID NOT PERFORM. I HAVE DISPUTED THIS MULTIPLE TIMES WITH XXXX. THE OUTCOME HAS ALWAYS BEEN NEGATIVE. I CAN NOT AFFORD A LAWYER.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (NY)

I did partial transfer of multiple assets because I wanted to remain as a customer with Robinhood ( I invest XXXX ). They stated on phone and in email that it would only be {$100.00} fee charged. They have charged me {$600.00} so far and more on the way " How does an account transfer work? 
You can transfer securities and cash to other brokerages through an ACATS ( Automated Customer Account Transfer Service ) transfer. If you want to keep your Robinhood account, you can initiate a partial transfer. Otherwise, you can initiate a full transfer, and well close your account once the process is complete. 

Note that there is a {$100.00} fee to transfer your assets out of Robinhood, whether as a partial or full transfer. '' From Website
Consumer complaint received 2020-04-23
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 (CA)

This complaint is in regard to a previous complaint I filed almost a month ago. Complaint ID XXXX. I was disputing a chargeback, and in their own words after closing the case ... " We've decided to permanently credit your account for the full amount of the disputed transaction, as well as any associated fees and interest '' I was very happy with the outcome. Now ... fast forward one week later after receiving that letter from Capital One. I was suddenly hit with a " Transaction Rebill '' for the same amount that they stated on letter " to permanently credit '' After spending countless hours trying to fix a crediting issue that an employee made, to getting rebilled for something they stated will be a permanent credit. I am ready to cut all ties with Capital One after this issue.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : 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 no knowledge of this account and it shouldn't be on my account. 

The above complaint was sent to Experian on XX/XX/2022 and it is currently XX/XX/2022 and their investigation is still ongoing. According to the Fair Credit Reporting Act if an investigation takes longer than 30 days the disputed information should be removed.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc. (MD)

On XX/XX/2022, I sent XXXX ( US Dollar Coin ) valued in the amount of approximately {$500.00} to Crypto.com on the XXXX XXXX. The transaction ID for the XXXX XXXX was XXXX and the transaction can be viewed on the blockchain at the website snowtrace.io. The company uses a common wallet address for customer deposits on several Ethereum-based networks, including XXXX. Regardless of the currency type or irrespective of the Ethereum-based network used, the wallet address for this transaction would have been XXXX. 

The deposit did not show as received into my account, so I contacted XXXX XXXX advised me that I had not sent the correct version of XXXX, and to return the funds to my wallet they would charge me a fee of {$100.00}. A " send '' transaction currently costs approximately {$0.00} on the XXXX XXXX, so I found this exorbitant fee to be arbitrary and exploitative. 

XXXX attempted to justify the fee by stating that they would need to " dedicate engineering resources to retrieve the funds from the blockchain. '' This statement does not even make sense technically speaking if one understands how the technology works. The funds were sent to a wallet address owned by the company. It's not like they're " stuck '' somewhere on the blockchain. 

Furthermore, in all my dealings with this company, never before have I seen any language stating that there is a {$100.00} fee to return funds. So there was a complete lack of transparency from my perspective.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX - we sent {$100.00} through XXXX Went to correct account. 
XX/XX/XXXX we sent {$270.00} to same number and money wasnt received XX/XX/XXXX - sent {$1.00} to same number again and money was received. 

XXXX will not provide information on why the 2nd transaction wasnt received and have denied our claim that there was a glitch or problem with system. No explanation no conversation
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Hello, I have since XXXX attempted to File a Dispute on my Credit Report concerning an Account that is violating my rights under the FCRA. They claim to verify the information, but provide nothing in the findings that shows where my XXXX XXXX Account is actually in collections. 

I've opened these disputes ( Just two examples ) .... 

- XXXX - XXXX However, I have been unsuccessful due to errors/issues with Experian 's Document upload site https : //Experian.com/Upload. I am unable to upload documents which support my case and am directed to MAIL my documents containing sensitive information to a XXXX XXXX XXXX I object and say I need to do this online and it's like Experian Could care less.. 

The Staff/Call Centers agents are unhelpful if not outright rude when I call in to report this issue ( See attached images ) and give out incorrect or erroneous information altogether such as a Fax # XXXX which does not belong to the dispute team. 

You can call in x3 times and get three different answers from various people who are extremely quick to throw their hands up and say there's nothing they can do, there's no IT department they can put me in touch with, there's no support # to call to potentially get help... nothing. 

Today I spoke with XXXX out of XXXX XXXX, who couldn't care less and told me in less than 5 minutes that there's nothing wrong with their Website. No sooner did I get off the phone with her after she created a new dispute # that the Site went down completely! 

This is ridiculous to be told to Fax Personal information to XXXX only to have it go nowhere, or are unable to confirm if anyone at Experian received it, or at the very least if it's the actual number Experian uses as a backup for dispute submission/documentation! This is a XXXX XXXX if I've ever seen one and it needs to be investigated.