davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BMO Bank, N.A. (WI)

My minor child received gift cards from a program he was in. The gift cards were fully used. I had to return a defective item and a refund was issued to the card. When I attempted to use the card, it was denied. I tried to login online to check it and couldn't. I called and was told it would be escalated and a check issued for any balances. I haven't heard back. I called XX/XX/XXXX and spoke with XXXX who said he couldn't help me as he would need to speak with my child. When I called my child over to the phone, he hung up. I called back and he spoke directly to my son, stated my son couldn't give me permission to speak on his behalf and when he was advised again that my child was a minor, he said he couldn't help him over the phone and hung up. I just want the balance mailed to me as promised.
Consumer complaint received 2022-04-19
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 Account # XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-19
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 Account # XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-19
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)

I first sent a certified letter to TransUnion in XXXXXXXX XXXX XXXX, which i have a certified receipt for. I received a updated document of some things that were removed in XX/XX/2021. But there was some other accounts still there. So in XX/XX/2021 I called and was told they would investigate the matter. I received a letter with the same information, along with one of the collection agencies not showing. But it definitely shows when i look at my credit on XXXX XXXX. So I wrote another certified letter with proof and I received the same information on XXXX XXXXas these accounts being accurate. So in XXXX this year I received a letter from one off the companies decreasing. this debt they say I have by almost {$2000.00} when I don't owe anything.
Consumer complaint received 2022-04-19
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 US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

On Wednesday XX/XX/XXXX I went to the local credit union, The State Employee 's Credit Union in XXXX NC to apply for a loan of $ XXXX.Initially I spoke with Financial Services Officer XXXX XXXX XXXX She took all of my pertinent information for the application. 

I showed her official documents that was approved for my SSI XXXX benefits which are {$890.00} per month. I also showed her official documentation that I would also be receiving back pay from SSI for beginning XX/XX/XXXX. I also have my Veteran 's Administration benefits going direct deposit into my checking account at SECU for {$100000.00} a month. 

I do presently have a loan of around {$5000.00} with the credit union of which a payment of {$180.00} monthly comes out of my checking account monthly before anything happens. 

There was a charge on my credit report that showed my student loan balance of {>= $1,000,000} of which I requested XXXX XXXX to check my files and she would see that I had documentation that the loan, due to me being a XXXX Veteran with an over % XXXX rating ( I have a % XXXX rating ), that my student loan was absolved and I had to pay them {$0.00} for 300 months and my loan would be forgiven. 

XXXX XXXX was not supportive of my request for the documentation of this agreement, and I had to push her hard, telling her that I lived right down the road and would go and get a copy and be back n a few minutes. She seemed impatient and agitated until I recalled that a copy should be in my file. She reluctantly went to retrieve it, and after an explaination and a few more back and forth between us which was pretty intense, not hardly what you expect during this process, She summarily turned down my loan stating that she was 'not comfortable ' with making that loan. I ask why? My income had practically doubled, my present loan was and had always been in good standing, My payment would have increased from $ XXXX monthly to {$290.00} which was well in my income range. She became argumentative and it was obvious that we were n't getting any where so I ask to speak to her Superior. She left the room in a huff and came back a few minutes later. She stated XXXX XXXX XXXX XXXX XXXX would speak to me now. She had 'spoken ' with her about my loan. 

I went to Financial service Officer XXXX 's office and was given the same reason for declining my loan after a few minutes debate. I saw that we were not getting, again nowhere so I requested to speak with the next person up the chain of command. XXXX XXXX told me that would be XXXX XXXX, XXXX XXXX. That he was out of town and She would give my phone number to him and he would call me the next day. I then left the office. 
To this day, I have not received a phone call from XXXX XXXX. 

I did receive a letter of decline from the credit union dated XX/XX/2017 which states the reason for the decline is 'affordability '. 

The reason I applied for the loan was because I had fallen behind in my house mortgage and wanted to bring it up to present.
Consumer complaint received 2022-04-19
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. (WA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (AL)

In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted XXXX XXXX COMPLIANCE regulations. This creditor ( XXXXXXXX XXXX ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an email notice about two months ago stating someone tried to open a credit card under my maiden name which i had it immediately shut down after contacting Capital One, and they put an alert out on my social, and name. I notified the credit bureaus about this as well and i have a fraud alert on my credit for one year. I was just woken up to a text message saying two accounts were just opened again under Capital One. Obviously the offices are closed and i can not call capital one at XXXX AM. But Ill be doing this yet again when i wake back up and hopefully no one tried to purchase something and destroy my credit.
Consumer complaint received 2022-04-19
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-19
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. (MD)

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

15 U.S.C 1681 Section 604 A. States I have a 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 instruction
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase student credit card on XX/XX/19 in-person at their branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke to a personal banker who used their computer system to help me in filling out and completing the credit card application. The personal banker informed me it would take about 2 weeks to process and obtain a decision. 

I returned at the end of XX/XX/XXXX/XX/XX/XXXX and spoke to the personal banker to attempt to determine whether or not I was approved. The personal banker who assisted me said they didn't have an answer and they directed me to a bank manager. The bank manager called headquarters and was told the application had expired and they would need me to submit another application. I attempted to obtain clarity on why I needed to submit another application when I had not received a written response to my initial application but the bank manager did not have an answer. 

As I understand my consumer rights, I should have a written decision letter in hand based on the credit application I submitted. It doesn't make sense to submit another application for credit being that each inquiry lowers my score. 

If I am denied, I should be able to obtain a letter outlining Chase 's decision. I am working to improve my credit and ask for transparency in the process.
Consumer complaint received 2022-04-19
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)

I XXXX XXXX am 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. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2022-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-19
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. (NY)

XXXX XXXX # XXXX XXXX XXXX NEW YORK docket # XXXX XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX  XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX 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
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MD)

On XX/XX/2022, I changed my phone number and I was using a new device to access my Robinhood account. I wasnt able to get into my account and that fact I had a new number mad it almost impossible. I had to submit my drivers license and ID to prove that I am the person who owns the account. I have sent my ID via their app and also I was required to take selfies. I took several selfies that were not accepted by the app. I contacted Robinhood about the matter and told them what was happening. They are not helping me. I have been locked out of my account for 2 weeks an I am unable to manipulate my funds or stocks in Robinhood an I dont know what is happening. I am trying to get some help to get into my account so I can look at my stocks that I havent been able to check on for two weeks. The case number is XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I opened a XXXX Amex in XXXX of last year. As part of the intro offer, I was supposed to get XXXX bonus miles, which was a big part of me opening the card. 

I never received the miles, and no one can explain why. All Im told is that the system denied the offer without any further specifics. If there is no real reason, it makes it a false promise. If there is a real reason, someone should be able to explain it. 

I have reached out several times, the last of which was today. I have simply asked to be given the bonus or a reason for not giving it to me. I have been promised investigations and follow ups, none of which seemed to have ever happened. No one has gotten back to me until I try again. The. I have to start all over from the beginning with each new person/ supervisor. This has been going on for months, and it has become clear that Amex does not care to help or do what is right.
Consumer complaint received 2022-04-19
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. 

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 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (FL)

I XXXX XXXX am 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. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-19
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)

In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX