davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (IN)

I called their customer service on XX/XX/ asking for a full amortization schedule of the loan. The person I spoke with said he is unable to provide it, but if I contact XXXX, they would be able to provide the schedule. I emailed them on XX/XX/2023 at XXXXXXXX XXXX EST. 

I recieved a reply on XX/XX/2023 from XXXX. All I recieved was a schedule of all my payments and due dates for the loan. The document did not include principal or interest amounts. 

I stated this is not the information I was asking for, so she then sent me the breakdown of interest and principal for my next payment due. 

I asked for the whole schedule, and on XX/XX/XXXX, XXXX XXXX replied " You can access your loan agreement online in your account ''. 

He is correct, but there is no amortization schedule. I was originally asking for the schedule because I tried making my own and guess what? I can't get it to tie out to the weekly payments, loan total, and interest. As an accountant, this is a very basic schedule to create yourself, but raises some questions when the numbers dont seem to work and no one will get you what you are asking for. 

I have sent 2 follow up emails but have no recieved a response since XX/XX/XXXX. 

I will take responsibility that I took the loan with an absolutely insane interest rate, but they are NOT being transparent.
Consumer complaint received 2023-07-03
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-02
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

I recently had to review my credit report again because I can not cash a check anywhere I have XXXX XXXX XXXX checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about CHEX SYSTEMS and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from CHEX SYSTEM, it shows that I have hard inquiries through XXXXXXXX XXXX XXXX XXXX So if I open up a website such as XXXX XXXX that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that check system sent me yesterday it shows that a hard acquired XXXX XXXXXXXX  through XXXX which is absolutely false
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear PRO COLLECT, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. 

It has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that PRO COLLECT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PRO COLLECT will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. 

Done in good faith.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (CA)

Dear XXXX XXXX Customer Support, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent activities on my account with XXXX XXXX. 

I recently returned from a XXXX tour in XXXX, XXXX, and upon my return, I discovered that multiple accounts were opened in my name without my knowledge or consent. It is evident that I could not have initiated these transactions, as I was XXXX during the time these accounts were opened. 

To support my claim, I have attached the following documents : Military Orders : Providing evidence of my XXXX to XXXX, XXXX during the period in question. 
Police Report : Filed to document the fraudulent activities and initiate an official investigation. 
FTC Report : Submitted to the Federal Trade Commission, detailing the identity theft and fraudulent accounts associated with my name. 
I am not seeking any monetary relief from Revvi ; however, I urgently request your assistance in rectifying this matter. The fraudulent individuals not only opened multiple accounts in my name but also overdrawn bank accounts, causing significant distress. 

Last 4 : XXXX XXXX XX/XX/year>XXXX  For your reference, please find my correct contact information below : Correct Contact Information : Phone : XXXX Email : XXXX I kindly request that you promptly investigate and take necessary actions to remove these fraudulent accounts from my credit report. Your cooperation in resolving this matter as soon as possible is greatly appreciated. 

If you require any further information or clarification, please do not hesitate to contact me at the provided legitimate contact details. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my wrritten instructions.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed a bankruptcy with the three bureaus in the past few months. 

XXXX has deleted it. Transunion and XXXX continue to report the bankruptcy. I have disputed with Transunion and XXXX numerous times. Transunion will not let me dispute the bankruptcy again. 

I reached out to XXXX XXXX and they don't have a bankruptcy listed. The bankruptcy is currently in dispute with XXXX. Transunion continues to reject my disputes as of Sunday. 

This should not be on my reports because it isn't mine. 

Thanks, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

This debt is from a Victoria Secret/ Comenity Bank and was sold to XXXX XXXX I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION (AE)

I have not had a single positive experience working with Truist. I am XXXX XXXX XXXX, serving in XXXX. I have no possible way to access my account. When I moved here, my loan was with SunTrust. It switched to Truist with no notice or explanation. I lost all access and ability to even make payments! They would not do anything for me, and the only way to try was to place an hour long international call on my cell phone. They refuse to speak to me any other way. Each time I call, they talk in circles, and say that I need to try and call back. Each time they say they will leave a note on my account, but I call again and start from square one. Their incompetence is so outrageous it feels like it is malicious. 
I now am trying to sell my vehicle so I can be free from them. They can only send a payoff letter via fax, and not to an international number. So there is the first problem. Second, the XXXX government requires a letter from the bank giving permission to sell. I have spoken to them twice, and I am on the phone for hours with no answer. I'm stuck over here in XXXX, and they know I have no options. Yet they refuse to find any solutions to the problems that they create.
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My vehicle was totaled in XX/XX/2022. I filed a claim with XXXX  insurance company, who first denied receiving the initial claim, and then denied coverage for the date of the accident. They declined assisting me regarding my issue, although I had renewed my policy prior to the accident. I later find put that Capital One filed a false claim of repossession that supposedly took place a month before the accident in XXXX. Yesterday I received a XXXX check. XXXX and Capital one collectively worked together and caused me grief, defrauded, manipulated, and provided false and misleading information and I need assistance.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I had got a vehicle in out town Delaware, which the dealer was credit acceptance. I have purchased a vehicle in XX/XX/XXXX your contract was a little sketchy. They miss use my down payment by putting {$18000.00} that I put down for down payment knowing that I did not have XXXX I put down XXXX because of my credit score was XXXX at the time, when I XXXX XXXX to my second child, they came and repossessed my car because I was behind XXXXne month I stated to credit acceptance that was unlegally to repo someone car for a month! I wind up giving them XXXX to get my car. I had to go to XXXX New Jersey to pick my car up, They said I would have to keep up with the payments which the monthly payments with {$470.00} every month due to hard times, I had lose my job but continuing making payments here an there so they wont repossess my car again. They had my old address on the old contract which it was in XXXX New Jersey someway they wind up finding out about my new address which I never told them about the new address that I was at but still was making payments here and there yesterday they came while I was at work and repossessed the car without no email stating that my car was getting repossessed, I called the company. The company told me if I come up with {$700.00} that they will release the vehicle that I owe XXXX. I spoke to the company of last year that they agreement with me was to pay XXXX every XXXX week. My last XXXX payments of this year was in XX/XX/XXXX. This company has me in a fraudulent contract and was charge me with a high XXXX 18 % which the state of New Jersey doesnt have that high rate. They are being sued by the New York attorney for the fraudulent contacts they are putting their clients in.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCM Finance LLC (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is XXXX XXXX the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see attached, document with proof of inaccurate information on my consumer report. I request that you promptly delete all late payments and inaccurate accounts and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. Per the FCRA, as a Federally Protected Consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

I submitted a complaint last year, XX/XX/XXXX requesting a resolution of this matter. The company responded : Company still working on your issue. It has been over six months and no resolution is in sight. Their response is dated XXXX under XXXX. If possible I am requesting the company to accept my settlement offer for {$1200.00} and to forward the title, lifting the current XXXX  of the property. Im aware of the companys notion that I forfeited the loan because I didnt want to pay which is untrue. The unforeseen circumstances of the deadly pandemic in XXXX  was the entire reason I could no longer make the payments. Placing consideration the loan is most likely written off, I am willing to settle and retrieve my title. At this time the company has made zero efforts at contacting me to discuss my options even after I submitted photos of the property damage which depreciated the value considerably.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

My financial institution Chime just recently denied my dispute claim I created on XX/XX/2024 ; for Unauthorized transactions taken Fraudulently from my checking account. Chime denied my dispute claim instantly on XX/XX/2024. The details for the claim are as follows. Account Number Ending In : XXXX ; Claim ID : XXXX ; Dispute Type : Debit - Unauthorized Transaction ; Date Error Reported : XXXX ; Claim Amount : {$1200.00}. While the claim was being investigated, I took it upon my self to contact the merchants XXXX XXXX  XXXX XXXX. I have gotten no response from XXXX XXXX XXXX XXXX gave the impression they would assist me within this issue and then two days later state that they have locked and closed the fraudulent account, also they DO NOT process refunds on XX/XX/2024 at XXXX XXXX via email.
Consumer complaint received 2024-02-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TN)

The original creditor ( XXXX XXXX ) has fabricated charges and sent them to a collections agency. This has been my complaint from the beginning that the collections agency is attempting to collect on charges they are not valid and hurting my credit at the same time. The collections agency has made no attempt to verify the charges other than asking the original creditor ( XXXX XXXX  ) and then taking their answer at face value. Their ( XXXX XXXX ) bill is just something they have typed up and should not be accepted as factual evidence to substantiate charging me or validate the collections agencies attempts to collect from me. The original creditor ( XXXX XXXX ) should need more proof than their word and a bill they created that I have never seen up until now and the collections agency should want more as well if they plan to collect the money. I think its absurd a company can just claim someone owes them money with no proof other than a bill they made and their word that has already proven to be unreliable.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (CT)

I traded in on XX/XX/XXXX a XXXX XXXX 2018 to XXXX XXXX in XXXX, CT. They fully paid the remaining balance and on XX/XX/XXXX I got the monthly payment ( {$840.00} ) debited from my bank account as I had automated payments set up since I opened the account. 
On XX/XX/XXXX I called the financial institution that had my loan and they acknowledged that they had debited after the account had been paid in full and supposedly issued a check for the total amount and sent it via mail. On XX/XX/XXXX I reached out again since I still had not received the check. I was told they would put a stop payment on the check reissue a new one and to give it until XX/XX/XXXX to receive it. On XX/XX/XXXX I called again and talked to XXXX who again said they would put a stop payment on the previous check and reissue a new one. It's the third check they say they sent. I confirmed the address with XXXX. It's now the XXXX and I haven't received any of the three checks they have supposedly sent.