davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Loan South Finance & Tax Service of Troy, LLC (GA)

The loan was taken out XXXXXX/XX/XXXX, and the payment was {$100.00} a month. I paid on time until XX/XX/XXXX when I was admitted into the hospital for XXXX XXXX XXXXXXXX. I contacted them and told them I would be unable to make a payment until late XXXX which the manager agreed to because of circumstances. But they not only called and texted every day at least 3 times a day, they started calling from their own private cell phones even after XXXX ; XXXX. I would tell them I was in the hospital and they would say ok but then call me again in a few hours. When I got home I started making payments but then they said the payments went up even though I was paid up. Its getting out of hand, Ill make a payment and constant texts and calls stating I didnt or I owe more money. I feel violated that every employee has my personal cell on THEIR personal cell phones. That isnt right.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : Capital One  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-01
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. (NC)

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 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
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reported to XXXX that they have listed duplicate car loans on my credit report one XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX XXXX and Trans uNION FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
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. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate 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
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

I think they've been overcharging me on the gap insurance on the operation of the vehicle the thing that shuts down the vehicle they done it so many times to the vehicle stopped working they're out of business and sold the contract to another company the name of the company is us Auto loans or US Auto sales from my understanding there's a lawsuit already out what about this company so I'm just doing the follow-up it's so many things that have illegally done the main thing I think is the overcharging of fees
Consumer complaint received 2023-12-22
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under XXXX XXXX XXXXXXXX XXXXXXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information on my credit report. Furthermore, as per the Metro 2 guidelines, creditors must report the correct date of last activity for charged-off accounts. It has come to my attention that the date of the last activity on this account is inaccurate and is causing a negative impact on my credit score.
Consumer complaint received 2023-05-01
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: LEXISNEXIS (MS)

My name is XXXX XXXX and I'm file an complaint because of the fact that my rights have been violated under 15 U.S.C.1681 sec 602 a in accordance with the fair credit act. 15 U.S.C. sec 604a also states that a consumer reporting agency can not make any of the following information or adverse item of information other than records of convictions of crimes dates more than 7 years. i have informed the company of this and also the information that I have attached below as prove. It has been more than 30 days that I haven't received an apply. Also 15U.S.C. 1681-2 1 states a person shall not furnish my consumer reporting to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. I wrote the clerk of the court and the court informed me that they don't give out information to third parties. i feel my rights have been violated!!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 XXXX 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 identity-theft. 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 2023-08-01
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: PNC Bank N.A. (TX)

XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA . The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

I attempted to transfer money from my chime checking account to XXXX XXXX in the amount of {$500.00} on XX/XX/2023 at XXXXXXXX XXXX. Chime Sent me a notification stating that it declined and then sent me a notification right afterwards saying that they took the money and its now pending. At no time did I authorize a second attempt. I immediately called Chime and provided them with the screenshot showing that they sent me a double notification and they told me that I had to wait XXXX business days in order for the pending status to clear and I should check with the merchant. I called XXXX XXXX and not only did they send me a bank statement dated from XX/XX/XXXX through the XXXX showing that there was no {$500.00} pending transaction, they also stated that they dont even have a record of it. I attempted to provide this information to chime on numerous occasions dating from XXXX XXXX all the way up until the XXXX and Ive been getting trolled, transferred back-and-forth between the customer member services in the dispute team, and they stated that they cant even look at the emails and dont have access to view the emails that I have sent to them. I have been placed in a financial hardship and I have incurred late charges because the funds are not in my account to be able to pay my bills. Not only that this forces me to use their overdraft or spot me feature putting my account in theXXXX  {$40.00}. So even when the money is actually returned it wont be {$500.00} itll be {$460.00}. I have been on the phone and access of XXXX and XXXX hours a day with Chime trying to get this money back. I have no food and I have bills that I have to pay and the only thing that they can say is Im sorry even though Ive provided them with proof that they took the money out of my account without my permission even there customer service member sent me an email showing that there were XXXX  transactions, and they keep insisting that there was only one. I am at my wits end.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank issued a 1099C on XX/XX/XXXX in amount of {$2300.00}. On my credit file, they are listing balance as {$3800.00} as of XX/XX/XXXX. I requested they update the balance to {$0.00} since a 1099C was issued and needs to be filed with IRS but they are denying updating the info with all three credit bureaus.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I made an online transfer as part of a new savings bank account opening on XX/XX/2023 with Citizens Bank online. The transfer was done online using their online form. 

The account was opened and the funds were withdrawn from my XXXX  XXXX XXXX, however the funds were not deposited into my new savings accounts. When checking online Citizens showed that the funds were being returned, however they were never returned even after a week of calling many of their contact numbers. They keep transferring me from one number to the next but no one is able to help me. They told me not to go to a branch since the branch can not see online transactions. 

Currently I keep calling their numbers and they keep transferring me from one to the other.
Consumer complaint received 2023-05-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have filled numerous complaints with XXXX and XXXX and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed