davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Ingo Money, Inc. (CA)

Date XX/XX/XXXX XXXX around XXXX XXXX ( roughly ), went into my XXXX account, i judt received a check, a small check, but one that took 3 months to get as a refund for equipment i bought from XXXX XXXX. This is normal processing time on these sorts of refunds. Anyhow I go into app and I see I'm able to cash check within their app through Ingo or IngoMoney ( not sure official business name ) a XXXX subsidiary company. I go through the verification process, I get approved. I select " instant deposit '' which charges a fee which is fine, I agreed to that. It has me take photos of the check like a usual mobile deposit. It the goes to a " waiting for approval '' stage which takes about 5 min. It comes back approved. It then instructs me to write VOID on front in large letters, again nothing out of the usual. I submit ( and remember this is after I get the check approved not before ). It comes back after I take the photo with the writing void on the front, " you didn't write VOID on front of check '' I figure it's their glitchy AI not detecting the writing. There's no option for me to resubmit anything I get an email from them saying is approved but need further action ( like a reupload of the image of the void check ) then 3 minutes later I get an email saying they are closing my account for whatever reasons. Obviously they can do what they wish with opening or closing accounts that's fine, but the complete lack of any disclosure about getting approved then suddenly closing the account leaving me with a worthless VOIDed check that took 3 months to get is ridiculous. If they didn't want to approve me that's fine, but it should have been done up front, and not tell the customer completely opposite information contrary to this. They told me " yes your approved '', " check cleared '' etc multiple verification walls ( personal like SSN/personal info ) a long with check verification which passed through the system as it took a while. The reason I'm complaining isn't about the amount it's the fact that it's going to take another 3 months to get a replacement check, there isn't even a human to speak to about replacements so I don't even know how to go about that. Also I'm complaining because I don't want this to happen to someone else with maybe their weeks salary or something. That would be a very bad situation for someone living paycheck to paycheck with a family so I'm just trying to think about other people not just myself. The lack of caring besides " just request another check '' is sad and horrible customer service and a flawed system. Hopefully this makes some impact to have some change so this doesn't happen to someone else in dire need who decides to use this awful service. 

Thank you for your time, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MT)

After calling in to dispute something on my Equifax credit report, I landed with the rudest and most incompetent customer service rep. After he hung up on me, my account email address was changed twice without my permission. I emailed support multiple times and received no reply. Now I am unable to log into the website. I have opened two complaints with the XXXX, no response. The agent was upset that I got upset because he was so rude and lazy and incompetent, that he somehow got the company to retaliate against me. I am unable to do anything in the system. I have not tried to call yet, but I don't expect it to be any better, most of their agents barely speak XXXX! Email should be the XXXX XXXX, not the one on this complaint.
Consumer complaint received 2023-08-22
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. (GA)

I have requested my free annual credit report mutliple times and Transunion is the only one of the 3 that has a lame reason that they will not send my report to me and it is in violation of the law. It basically results in " there is a problem with accessing your report '', some XXXX  like that... thanks in advance for your assistance.
Consumer complaint received 2023-08-22
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. (OH)

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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly.

15 U.S.C 1611. States youre supposed to be notified of all signing information.

15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Consumer complaint received 2024-04-03
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected 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 15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Consumer complaint received 2017-11-26
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. (TX)

There are 4 accounts on my credit report they are not mind.
Someone must have used my information.
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus
Consumer complaint received 2022-11-23
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-05
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: WELLS FARGO & COMPANY (TX)

This is a formal complaint against [ insert OC name here ] located in [ insert their city, state ]. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert OC name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX at around XXXX I called my bank to inform them of the unauthorized transactions on my account totaling {$1600.00}. I had told them that I had contacted the merchant which whom I'd never heard of, but was unable to find anything out. The transactions had been spread out, yet Chime never thought to flag these constant multiple transactions from an online merchant from another country. On the following day, XXXX XXXX at XXXX however, I received a decision on my dispute. According to Chime, they say those purchases were authorized by me, which they weren't. After complaining that they did not even look at the material facts, and informing them that I'd be filing a complaint, they sent me a followup email telling me that I could submit a rebuttal if I was not content with their decision. I immediately requested the documentation they used to make a decision on this dispute in less than XXXX hours, but I was met with resistance. I requested they begin the rebuttal and look at the material facts and provide me with something as I don't know that merchant, don't know what they offer, and have never authorized a payment to them. I waited since XXXX until this Monday, for the documentation they used which only contains a list of the transactions, the fact that I had my card when I reported this but they don't mention if the card was physically swiped so this has nothing to do with someone using my card information. The question about my pin being in a secure location should simply say yes, because memorized is secure. " If no, then where? '' should not be answered unless memorized is not secure. Lastly, their reasoning for their decision is because the account balance was drained. It is overwhelmingly clear that Chime has not done their due diligence with my dispute and simply denied it in under XXXX after being filed, denied without any proof other than the account being drained, possibly in an act of discrimination.
Consumer complaint received 2023-06-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account
Consumer complaint received 2023-08-22
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2020-01-14
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. (NY)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been had my Kohls credit card for a while, and I have always appreciated the good value and service I received from Kohls. However, I checked my credit report on XX/XX/XXXX and noticed a late payment on my credit report. I was devastated to see the late payment because I signed up for automative payments to come out of my account each month. I immediately made a payment, then called and spoke with a Kohls representative on XX/XX/XXXX. I explained the situation to the rep, the representative assured me that the error would be taking care of as soon as possible. The rep noticed that my banking account was in fact added to my Kohls account. He also stated that sometimes the system glitches online and Kohls has had issues in the past with this same issue. He told me how to try and set up the automative again after the payment post. The representative told me he would note my account and expedite the information since it was in fact a Kohls error. I was told the information would be sent to the credit department so the information can be sent to the 3 credit bureaus immediately. I also explained how this is affecting my credit and that I am unable to get a mortgage now that the late payment is on my report. The representative explained to me that I should receive a call, letter or email with an update about my account with a few days. I never received any confirmation or an update so I called Kohls again on XX/XX/XXXX, I spoke to another representative, which stated the department was unable to remove the late payment. I am very upset that this is happening because I am trying to move and buy a home. This was an error on Kohls end. 
I have a perfect record of paying on time. This is really an inconvenience, and a violation of my consumer rights.
Consumer complaint received 2023-08-22
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: 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.

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 inructions 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 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bank with capital one its a personal online 360 account. I was approved for the PPP loan by the SBA I was screened and approved by the government the money was deposited into my account and I was about to utilize the funds at first but when I went to the actual bank to withdrawal money to pay my workers my account was flagged and put on hold. I have been told nothing! I have all the proper documents a DBA showing I do own a company, Im a sole proprietor and the money was allowed to be deposited into my personal checking account because thats where I conduct my finances from not a business account. No one will talk to me and I believe they are holding my money illegally.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 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.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXX, has violated my rights. 

In regards to my previous dispute it has been over 30 days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within 15 days.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.