davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  Accounts has Violated my Rights # XXXX 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.C. 1681 Section 602-A- States I have the Right to Privacy 15 U.S.C. 1681 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 U.S.C. 1681-Congressional Finding & Statement of Purpose Subchapter # 3 A-4 There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness. impartiality, and a respect for the Consumer Right to Protection
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-02
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, XXXX XXXX XXXX Account # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

There was a fraudulent debit on my checking account at a XXXX gas station in XXXX California on XX/XX/XXXX for {$99.00}. I am not in XXXX California and my card is with me. I placed a claim with Citibank on XX/XX/XXXX and was promised a provisional credit within 10 days. Citibank has not provided the provisional credit has not resolved the claim and had not researched the fraud. I have called 4 times, reached out through their website, their online banking service, and through social media, and no-one can help. It is now XX/XX/XXXX, and when I called today, I was told we are still researching the claim and it will take 48 hours. This is the THIRD time I have been told this exact same information.
Consumer complaint received 2020-03-31
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. (CA)

I found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (NC)

I just moved to the XXXX, XXXX XXXX area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. As soon as I notice the first charge I reached out to my bank, XXXX, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my geo location I was in the area ( which is true because I just moved to XXXX and live in the XXXX XXXX within XXXX XXXX of a large number of bars in the area ) I have still never been to XXXX XXXX  XXXX but did reach out to the company to try and get their help after XXXX sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to do this with XXXX multiple times and have repeatedly been asked for documentation that is not applicable to my situation. Including a police report that would be pointless to file given the amount of time that has passed since my card was stolen and I was given a new debit card. XXXX REFUNDED THE UNAUTHORIZED AUTHORIZATION CHARGES AND REFUSES TO REFUND THE ACTUAL CHARGES FOR THIS CASE. This is unacceptable. I will not be penalized for my card being stolen.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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

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

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

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

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

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

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

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

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

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 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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

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

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

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

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

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

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

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

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

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 2021-09-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.
Consumer complaint received 2022-12-29
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. (PA)

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.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (TX)

I was notified by email by Experian on XXXX that my credit score decreased. They provided no explanation, either on their website or in the email as to why it decreased. I called the customer support number of XXXX to ask. The automated system only allowed two options to report fraud or request credit report. Would not allow me to talk to live person to explain as to why my credit score decreased.

Why does Experian get away with decreasing credit scores without explanation and why does Experian not allow us to talk to live person. Its my credit score, not there's.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

I am trying to send money to another Venmo user and it will not allow for over a week now. Four attempts to resolve with Venmo they are useless... .keep responding with " packaged '' responses that they are not at fault and I should just use another form of payment. This is how they run a business and keep customers? Disgraceful. They have wasted time and money for me and refuse to fix the problem and be help accountable. Something needs to be done!
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (GA)

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 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2022-06-02
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX ( XXXX )
Consumer complaint received 2021-03-20
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. (TX)

XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted They removed a card that was not suppose 2 please put it back on fcra violations
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX @ XXXX on out side atm south of main front doors I made a deposit of {$1900.00} Denominations of 16 # - {$100.00} Bill 's and the remaining smaller Bill 's.

1.atm counted the amount and showed it on my screen {$1900.00} 2. Ask me how I wanted my recipe email, no recipe, print. ( I selected print. ) 3. atm screen showed finalizing transactions.

4. A shuffling noise came from a deposit slot area followed by ATM stating that the ATM is not available for use I can contact customer service or use mobile app banking.

5.No recipe was printed from atm.

erro on screen did not correct it self.

6. Walk to my truck ask my wife to check our bank account online and no deposit was made to our account the computer crash caused something unexpected to happen within the machine itself and the cash got jammed up physically somewhere in the atm.

7. At XXXX called chase bank and Immediately filed a claim they told me I will have a credit in 12 hours. No Credit was issued by following day so at XXXX XXXX presented myself to that branch to speak to XXXX banker at cheese bank and he called End to get further clarification to my situation. 

chase claims department. mentioned they need to send a service technician on Monday to open up the ATM to locate funds in order to give me a credit on Monday I spoke to general manager he called in to check on status I was told I was going to have to wait 10 to 30 days for an answer on the investigation done by the chase back office I would get different responses from different reps ok n every call.

8.On the XX/XX/XXXX Investigation determined that there is no money found that there was no found money in ATM No one is able to explain to me how the investigation was determined what causes ATM to mount function how they came to a conclusion with no money when I tangibly placed money into this ATM. 

Banks should have controls in place to catch a discrepancy in the machines ' expected balance ( based on beginning balance, activities, and ending balance ). They have not treated this situation seriously.

An extra {$1900.00} in the machine after the cash count should jump out immediately at whoever counted it. The fact that it didn't is Questionable.

Per my researchThe audit process would be the beginning count sheet plus deposits less withdrawals per the machine = ending balance. Plus whatever other controls they have in place ( one person counting ending cash while another person runs tape for the expected balance. I ask to have the cctv footage of every single cassette and if all cassette in atm where checked and they refuse to pull tape. or give me a A solid reason how my money just disappeared after ATM deposit. My last conversation with Chase Bank representative on XX/XX/20 Was to file a police report and to have them subpoena the video footage. I have filed a police report with the local sheriff 's department and waiting on a callback.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Date XX/XX/XXXX CompanyXX/XX/XXXXXXXX BANK XXXX XXXX Date XXXX XXXX, XXXX CompanyXX/XX/WYNDHAMVACADate XXXX XXXX, XXXX CompanyXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX CompanyXX/XX/XXXX, XXXX AddressXX/XX/XXXXBANK XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (CA)

I have reached out to Equifax reporting agency as well as XXXX XXXX reporting agency in regards to several inquiries that are Invalid. I have reached out to Equifax and successfully gotten these invalid increase delete it from my Credit report. Upon contacting Equifax and XXXX XXXX they consistently attest that these inquiries are accurate and will not be removed until said date.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There is way too many inconsistencies and misleading information with Bank of America. 
XXXX XXXX a merchant charged me {$360.00} to my account after I canceled within the trial date timeframe. ( I have proof of conversations to cancel within the same day ) I called Bank of America and filed a claim in which they said it will be 45 days. After 45 days, I called back and was then told it will be 90 days. 
90 days later and still no credit back to my account or even a temporary credit. However when I called today, I was told that the merchant has 2 opportunities to respond. 

.
Consumer complaint received 2022-06-02
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
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 2022-06-02
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)

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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  # XXXX has violated my rights. 
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