davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (MD)

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX  since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had XXXX investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted Experian XXXX XXXXXXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have XXXX years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX  and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Consumer complaint received 2021-05-11
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. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2021-05-11
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. (CA)

On XX/XX/2021 I wrote to Equifax to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Consumer complaint received 2022-03-11
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. (MO)

The inquiry stated below is unknown to me. The furnisher was unauthorized to pull my credit report. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see the inquiry that should be removed : XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I am a care taker for my XXXX XXXX XXXX aunt who recently returned home from a nursing home. We hired a full time home care aid who banks with Peoples United. From the very beginning it has been a nightmare! I first tried to wire 1400.00 to her account from our XXXX account ( current XXXX is XXXX ) and it was rejected. so I tried to use XXXX and that was rejected. Peoples bank closed my home aids account and said it was fraud. She had to first find a local branch and reopen another account.. hassel! so I figured I would open an account with Peoples and transfer her pay weekly. the account was opened on XX/XX/XXXX and I deposited enough money to pay her for the month I was told I would be able to send XXXX payment of 1400.00 a week. The first time I tried, I was only able to transfer 500.00 a day, ok fine I sent XXXX payments 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and 400.00 on XX/XX/XXXX did that for XXXX week. this week I tried again 500.00 on XX/XX/XXXX 500.00 on XX/XX/XXXX and THEN the account was closed!!! I call customer service who informed me i was using this account fraudulently and they are not in the business to have customer misuse accounts. I ONLY ONLY opened this account with peoples united to make it a bit easier to pay my home care attended but that backfired! Glad they are closing as I have NEVER in life been treated like this in my life! I will pull all my money out today and tell everyone about this experience!
Consumer complaint received 2022-01-21
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
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. (MD)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act 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.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 2021-05-11
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. (CA)

There are 8 accounts on my credit report that do not belong to me I have a FTC attached this is a case of identity theft and I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

XXXX the XXXX I called chase cc, to explain that I got a new job finally but I get direct deposit on the XXXX and XXXX of the month. I was very concerned about being late. I had been accumulating my rewards points for over a year and had the equivalent of {$790.00}. I had once before requested the vouchers and used them SD payment. She said that they no longer send vouchers but can apply the points directly to my PAYMENT. I was so happy, because I have not been late on this card. 
On the XXXX I went to get gas and something told me to call and make sure everything was OK. To my shock I was late and no payment was applied. After speaking with not 1 but 2 managers I was told the rewards get applied to the balance not the payment. I explained that the rep failed to tell me this and had I known that I would have said no, I would have paid it day XXXX and called back to work on late fee. I would have never said ok. Both managers were as cold as ice and enjoyed telling me there was nothing they could do and I'd have to make my payment and they could not reverse my points. I have filed 1 complaint directly with chase before they did an " interal '' investigation and listened to the recorded call and they said that i was told by the rep but I was never given a transcript of said recorded call. This time I will not be ripped off. I survived 19 months of a pandemic, I lost my business, I've been banking with them for 19 years yet I feel like there are illegal things being done in their CC division. The rest of the bank acts as if it's a separate company or entity. I will hire an attorney this time, and contact my state rep XXXX XXXX to find out from XXXX XXXX if he is aware of how vile their cc divisions is. I am not letting this go ... i have a strange feeling this is the norm ... for them. It's not the norm for struggling consumers during a pandemic. I'm appalled and disgusted and this is not going away like the first one they " supposedly " investigated. I can not use the card to get gas to go to work now because it's late and I used the money I had to pay other bills.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2019-08-07
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. (GA)

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. 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. Inquiries : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. I am doing all of this on my own.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, XXXX and Transunion do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for Transunion and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (IL)

I went to speedy cash after XXXX filled an application I had statements they requested they copied them I was denied a title loan and title was with me and I was denied because of im XXXX and have a payee. My mother cant walk XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (NY)

TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.
Consumer complaint received 2019-08-07
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. (NV)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   EQUIFAX MTG, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.
Consumer complaint received 2022-09-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Accounts 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 XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Problem with Wayfair store credit card, issued by Comenity Bank. This credit card was paid off in full and the card was closed by the creditor as a direct result of them ending their business relationship with each other. I have tried for two years and countless times to get my refund of a mattress that was returned in XXXX of XXXX. The returned item and the refund was approved by Wayfair in XXXX of XXXX. After several phone calls and email correspondence with Wayfair I was told that Wayfair sent the refund check directly to Comenity Bank in the amount of {$210.00} on XX/XX/XXXX of XXXX. I was told to contact Comenity Bank directly to get them to issue a refund check to me. I called Comenity Bank once again and spoke to a supervisor. The supervisor said my account balance is XXXX dollars and they show no credit on the closed account. I have proof of the correspondence with Wayfair and I am attaching it to this complaint. Out of good faith I paid off the Comenity Bank credit card in full despite the refund still owed to me. The original Wayfair order number associated with this matter is order # XXXX.
Consumer complaint received 2021-05-12
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. (CA)

1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.
Consumer complaint received 2024-02-14
Product: Credit reporting 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 am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of iXXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-03-11
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. (MO)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX