davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

Over draft fee was charged. XXXX for an item paid of XXXX.against my account. I signed an option NOT to have items paid. They paid it and charged me. I have a bank product called virtual wallet that controls items posted and gives you XX/XX/year> hours on the clock to make a deposit. I want my XXXX dollars back. I made a deposit WITHIN the time frame of the date it was to cut off. The bank algorithm won't let them refund my money. Becuse they did a courtesy refund prior.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NM)

About 2 months ago, I cancelled my service with XXXX and I offered to return the cell phone in person. I was told they could not accept the phone nor use it unless I paid {$590.00}. 
My original agreement with XXXX was due to their offer of a free phone for my Business account. I closed down my business account after I retired and we set up a Personal account. However, at that time- I was NOT told that I would be charged for the XXXX XXXX until months later when I inquired about why my monthly bill was so high. ( After having paid almost {$700.00} for the phone. ) I moved my cell service over to XXXX and attempted to haveXXXX  unlock the phone or allow me to return it. Neither option was acceptable to the store rep. 
So, I signed an agreement with XXXX and purchased their phone. 
Today, I received a collection letter from Transworld Systems Inc. 
I am now in the process of filling out their form in order to dispute the debt. Their account reference # for me XXXX Any help would be much appreciated.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached several documents for your review showing that the credit reporting agency are violating my consumer protection rights by reporting Fraudulent/ Incomplete & inaccurate information in my consumer report. Please see attached.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MD)

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX, Client # XXXX, Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that National Credit Systems , Inc . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that National Credit Systems , Inc In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX the consumer is disputing this debt, National Credit Systems , Inc You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX XXXX XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXXConsumer
Consumer complaint received 2024-06-25
Product: Credit reporting 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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PR)

I disputed the XXXX account with Experian, because all my student loans paid as agreed. They insist I had negative record with XXXX. But anyway, according to The Fair Credit Reporting Act, the limited time to negatives accounts in the record are 7 years. The last record according to this report was on XXXX/XXXX/2010. That is 7 years and 1 month. 

Please help me to this agency deleted this account according to the federal law.
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MI)

Date XX/XX/2022 I took out a auto loan with Bridge crest formerly for only 25 month term I am writing you to request an investigation of the following information that appears on my credit report. 

Dispute 1 Explanation of the item being disputed. the auto loan was only supposed to be for 24 months. And is now updated on my credit report showing a 72 month term. And this account is now showing as a closed account. 


Enclosures : I am requesting documents stating that my lease was renewed with your company. For a 72 month term. If you can not provide me with legal proof of my authorization, then I am demanding you contact the XXXX, XXXX AND request them to remove this immediately. Your failure to comply with my request within 30 business days will be evidence of your willful compliance Fcra 616, 15 USC THANK YOU FOR YOUR attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

There was an ATM withdrawal of {$1800.00} on XX/XX/XXXX which I did not make or authorize anyone else to do so. I called the bank to make a claim on XX/XX/XXXX which is when I noticed the transaction and also noticed that I did not have my card on me. The bank issued a temporary credit of {$1800.00} while they investigated. I received a letter dated XX/XX/XXXX saying the claim was resolved and that they had found the the charges were made by me or someone who I authorized to do do. The bank will deduct the {$1800.00} from my account on XX/XX/XXXX. I called the bank to make a complaint about this as I am very frustrated with their conclusion. The card was lost by me, yes, but the bank allowed someone to withdrawal {$1800.00} from the ATM with or without an ID that was not the owner. I am the only authorized person to make any transactions and I did not make this transaction. I am disturbed at how someone was able to withdrawal that amount of money from my account when the withdrawal limit at an ATM is {$1000.00}. The bank has denied my claim and I strongly ask for this to be looked into.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Consumer complaint received 2024-06-12
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. (GA)

I have made multiple attempts to get this inaccurate account of XXXX XXXX XXXX deleted from my credit file on XX/XX/XXXX I sent a letter to Experian requesting that they remove this account for inaccurate information. They responded that the information is updated and refused to remove it. I then sent another letter on XX/XX/XXXX. letting them know they violated my rights. they again sent the same auto generated letter with verified account. I on XX/XX/XXXX filed a complaint and dispute with you and again they are still saying that they have verified the information which I know this not to be true. I am sending this complaint again because this is a serious violation of my rights!
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Next Financial Inc. dba Copper (MO)

On XX/XX/2024 Copper announced closure of all XXXX XXXX XXXX accounts and froze access to my XXXX XXXX account which held over {$2000.00}. They have failed to transfer the amount to the linked bank account as they stated! It has been over a month and I fear that my XXXX XXXX money will not be released.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I want to cancel my Bank of America ( BOA ), because I have moved to XXXX and no longer use this account. I called BOA customer service to close the account on XXXX XXXX XXXX times, all the XXXX agent told me they have to get verified for my account through sending a text message to my mobile phone, but since I am abroad, I can not use my U.S. number, so I can not get the text. Then they said there is no way they can do to close my account on phone call. BOA charges monthly maintenance fees, I want to cancel my account to avoid the charges. I am no longer in the States, so I am not using this account anymore, but they can not help me close the account. There is no way other than call them to get them verified by texting to my US number. It is quite frustrating, since it is customers ' right to close the account. If I did not close account, the bank will automatically charge for monthly maintenance fee. I need to escalate this issue to close my checking account.
Consumer complaint received 2023-07-20
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. (NJ)

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.

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 inructions 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I would like to file a complaint against XXXX XXXX, XXXX Bank, XXXX XXXX XXXX for XXXX reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NC)

The CCS Companies XXXX XXXX XXXX XXXX, MA XXXX Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.

With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.

In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. 
15 U.S code 1692G validation of debts A fair resolution to this issue would involve Immediate removal of the erroneous information from my credit report.

Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ) GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc. (FL)

SoLo Funds inc. SoloFunds.XXXX Solo funds company supposdly is Upadating their new App version since XXXX XXXX but as of now they have not finished their " Update '' Because of that All Users of SoLo Funds Inc including independent Lenders and Borrowers and Lenders are not able to withdraw their funds from the App.

Lenders can not get their money out of the app. I have done lots of test with the platform and I suspect that SoLo funds have done the following : 1 ) Using all the funds that users have put there to invest the money somewhere else. 2 ) SoLo funds is delaying the App " new version '' to gain time and earn interest on the money users have put on their App. 3 ) SoLo funds have created FAKE user ( Borrowers ) to request Loans and then not to pay them back. 4 ) SoLo funds tell it Lenders that borrowers who donnot pay back will be sent to collections but SoLo never send rhem to collection nor give specific details to the Lender. Amount on hold {$600.00}, i have contacted the company chat every 3 days and rheir answer is the same " that a new version of the app is bein updated '' to wait for the app. Also via email and no response.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

On XX/XX/XXXX there were several unauthorized charges to my account totaling almost XXXX dollars. After noticing, I reported these charges to Credit Karma but they sent me a letter saying that they would not refund me for these unauthorized charges because they were authorized I didnt authorize them!
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I am writing to address a concerning collection entry that has appeared on my credit file from your agency. I was not previously notified about this alleged outstanding debt, and I have serious doubts regarding the validity and accuracy of the amount being claimed. Under the Fair Debt Collection Practices Act, I have the legal right to request verification and validation of this purported debt. I am therefore respectfully demanding that you provide the required documentation validating this collection entry and take appropriate action to rectify any inaccuracies.
Consumer complaint received 2023-07-05
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.