davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (NC)

I have a loan with One Main which is a personal loan. We reached a permanent agreement to repay this loan at a lower interest rate and payment. This was one year ago. Since then, I have not been late to the day. It has been taken out of my bank account. Friday the accounts manager left a threatening phone message, She said I was behind on my payments. This is not true. I have proof. I called back and was told the payment was due on a different date than agreed one year earlier and if I was one day behind, I have to pay more. They are trying to breach the agreement and threaten me. I am XXXX XXXX XXXX, lost my job due to the virus ( XXXX XXXX ), very XXXX and XXXX XXXX XXXX. I have had a XXXX XXXX. They just made fun of me. I was very angry and upset and had to be seen by my doctor. They just want more money. I have completely complied with the agreement and they have taken out the money on the same date for one year. Please stop them from upsetting me. I have done everything they agreed to.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to file a Fair Credit Reporting Agency violation against this credit bureau called Experian Credit Bureau. On XX/XX/XXXX I requested that they send me there method of verification as it pertains to a XXXX XXXX XXXX account that is been reported on my credit report. The only thing that Experian has done is just to send me a statement saying that the account was been reported accurately. This is false as Experian is saying that this account went into a charged off status in XX/XX/XXXX and this is totally false. There is also missing payment and account information as it pertains to the XXXX  XXXX XXXX account that is been reported on my credit bureau. There is no payment and account information listed on the credit report for the periods between XX/XX/XXXX and XX/XX/XXXX and this makes the account incomplete and inaccurate and the Fair Credit Reporting Act states that such accounts should be deleted from the credit report. Experian has failed to abide by the Fair Credit Reporting Act
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Courtesy Finance LLC (TN)

I signed for loan insurance with a XXXX dollar loan on my XXXX  title in XXXX, borrowed from Courtesy Finance in XXXX  TN. I then became permanently XXXX later in XXXX, after XXXX percent of loan was payed. My co-borrower and live in girl friend defaulted taking the XXXX  and moving out, I then informed courtesy I needed them to apply the coverage I had signed for when I took out loan. They kept pressuring me for the loan payment, so I told them about my XXXX  and long term XXXX payments from XXXX XXXX while on the call with the manager. I waited for awhile to hear back from them, assuming they started the process and paid off the loan. Fast forward to this week, I checked my credit agency on XX/XX/XXXX and the loan was written of as bad dept, not paid off from insurance. They chose not to report to XXXX for 2 years after the write off. This is how I found out the insurance wasn't applied. I called the new manager on XX/XX/XXXX, she claimed I did not have coverage, and her records were a mess from the previous manager. I asked her to look at my actual file, when she looked she saw the sheets from the XXXX coverage, and then she said I'm sorry it looks like we went over the coverage and you signed it, but we never sent the papers in, sorry again we XXXX up. The original manager was very unprofessional, she was hurrying to finish our loan because it was close to closing time and her help had left.
Consumer complaint received 2022-07-30
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 account # XXXX, XXXX XXXX XXXX acct # XXXX and 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 2022-07-28
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: NAVY FEDERAL CREDIT UNION (DE)

On XX/XX/XXXX, I received two notifications that Navy Federal Credit Union had ran my credit. It was strange to me since my credit was locked. How is a credit union able to manage this? On XX/XX/XXXX I received another notification via XXXX that another hard inquiry was submitted. As perplexed as I was I reached out to the company and received no resolution. On XX/XX/XXXX I received a notification that a credit card had been opened in my name. I reached out to the company and we confirmed that the date of birth was incorrect as well as other facts- such as the addresses being incorrect. I have never lived in XXXX XXXX or in North Carolina. However, there were the addresses. At this time, my credit was also locked. I reached out to the company and still- have not received a resolution. I am now being hindered as my credit score is being affected by these three inquiries and a now delinquent account for which I am not responsible for. How is it that this credit union was able to not only submit inquiries but also open an account while my credit was locked?
Consumer complaint received 2022-07-30
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 # XXXX, XXXX XXXX XXXX acct # XXXX and 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 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CAPITAL ONE XXXXXX/XX/2019
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. This is unauthorized use of my credit report. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (AL)

I reported Identity theft to Experian regarding XXXX and provided a police report and Experian stated that they verified but never provided the method of verification. The account is not mine and I have never applied or made any transactions with XXXX. Affirm need to be deleted/removed off my credit report.
Consumer complaint received 2021-12-07
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. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services (NJ)

All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. Edfinancial has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.
Consumer complaint received 2021-12-07
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. (AR)

In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.
Consumer complaint received 2022-07-28
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: FORD MOTOR CREDIT CO. (TX)

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 2022-07-30
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. (AL)

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

15 U.S.C. 1681section 602 A states i have the right to privacy. 

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-07-28
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. (TX)

Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion.com website is severely misleading. It guides the user to sign up for an account that appears to be free. During the sign-up process, it asks for credit card information but does not explain what the credit card will be used for. I assumed it would be used to verify my identity because there was NO indication of a dollar amount, charge, or otherwise buying a subscription or paid service. 

Once I completed the account signup process, I discovered that TransUnion charged my card for {$27.00} and set up a monthly recurring charge. This was the very first time I saw that amount, that the card would be used for a monthly service, or that I had signed up for anything paid. 

When I called TransUnion to request a refund and complain about the clearly predatory signup process, the phone agent graciously refunded my money. However, the phone agent also acknowledged that this was an extremely common problem -- she even agreed with me, over the phone, that this practice was predatory and likely illegal. 

I'm not sure how Visa, Mastercard, XXXX, etc., allow this type of processing to occur. I've never seen this type of behavior before -- where a website requests a credit card number and charges the consumer without EVER indicating the dollar amount, the frequency of charge, the services rendered, or anything related to the financial transaction. This is, by far, the most predatory and hostile user/consumer interaction that I've ever seen on the Internet over the 20 years I've been conducting e-commerce.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2022 I sent a letter requesting validation and proof that I owe the debt certified letter with return receipt and to remove the negative items from my credit reports. I received no written reply and these two items have continued to show my all three of my credit reports causing me harm. I have also continued to receive phone calls from Portfolio Recovery from their various offices across the Country even though I ask them to cease and desist.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2022-07-30
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. (AL)

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

15 U.S.C. 1681section 602 A states i have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-07-28
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. (KY)

I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.