davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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 (FL)

My account and card was hacked. Over XXXX dollars was taken from my account. I filed a dispute. Within 2-3 days they closed the dispute. They didn't even do an investigation. Turns out the company is a gambling company. The transactions are coded as merchandise, not gambling. So if Chime would have done a real investigation, As required by law, they would see this transactions aren't only fraudulent but theyre illegal. 

I even asked for the documents they had that showed how I was at fault. They never sent them and I keep getting the run around. I don't know what to do and I really need help. Chime is breaking the law and stealing from me. I hope the person who " investigated '' these claims is moved to another job. He's caused me great pain. His supervisor should also not work for a bank. This is not fair. 

The dispute # is XXXX = XXXX Dispute # XXXX is XXXX = XXXX Also coinbase. Someone stole my identity. On this one they ruled XXXX of them were not my fault but one was? I didn't do any of these and never got any thing for over XXXX dollars worth of money spent. I got no service or product. And chime just doesnt care. 

Dispute # XXXX is XXXX = I was charged multiple times for XXXX XXXX XXXX of XXXX should be credited to my account today.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1692C 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 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 ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. XXXX 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 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 ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Consumer complaint received 2022-04-22
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. (AZ)

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX XXXX ACCNT # XXXX has violated my rights XXXX XXXX Accnt # XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX Accnt # unknown has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX  - Public Record 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 604A section 2 : 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 items of information ; adverse item of information of than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consume rto any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1692C .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 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 ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Consumer complaint received 2022-04-22
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. (LA)

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$61.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2022-04-22
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. (AL)

XXXX Companies {$3700.00} XXXX Companies {$2100.00} XXXX {$220.00} XXXX XX/XX/XXXX XXXX was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. XXXX opened XX/XX/XXXX & XX/XX/XXXX. Settlement with XXXX company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

XXXX XXXX  XXXX XXXX {$53000.00} XXXX XX/XX/XXXX XXXX was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. XXXX Opened XX/XX/XXXX. XXXX closed down citing financial challenges and accreditation issues. No transfer of credits. XXXX XXXX debt clean. 

In accordance with the Fair Credit Reporting Act Convergent Accounts XXXX XXXX, XXXX and XXXX XXXX. of XXXX have violated my rights. 

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

I, XXXX XXXX, Consumer, Living person sent in a payment of {$950.00} in a remittance payment. I turned the statement into a negotiable instrument & money order. I have put my beneficiary signature in it also, ucc codes stating what exactly to do with payment and why it is a valid payment according to federal laws. On XX/XX/2022 a certified mail this payment. Attached below aswell. On Saturday XX/XX/2022 it was received by a employee from American Express from the post office. Now the payment can not be found and did not apply payment to my account. Theyre committing fraud for not applying my credit to my account. Also, with billing errors and contacting me the consumer. I have provided tracking number for proof of sent of payment but they have failed to apply my credit.
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation (TN)

They charge {$5.00} for payments over the phone or on-line, but not on the much more manual method of sending in a paper check. Then they categorize that charge as 'Late Fees '. The payments made over the phone or on-line post in XXXX hours. According to Subsection 1026.10 ( e ), fees can not be imposed on payments made by mail, electronic, or telephone unless that method involves an 'expedited service '. XXXX hours posting seems a standard for creditors to post payments, no an 'expedited service '. Is this creditor, Benji/Concord , hiding these {$5.00} per payment charges to their customers by categorizing them as 'Late Fees '? If so, is this an illegal business practice? 
Any and All interest accrued or paid is not reflected at all on the paper Billing Statements they send out. 
My final payment made and discussion had with Concord was on XX/XX/2022, at XXXX, with representative XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (HI)

In 2019 I received a settlement from XXXX for the privacy breech. This year after years of on time payments and several payoffs on my costco citi card my credit limit was reduced to {$500.00} without cash advances from {$2000.00} limit. They sent some letter saying XXXX sent a low score but my score has been in the mid XXXX to XXXX and I continue to monitor my credit due to fraud. I see this as a retaliation by XXXX because none of my other cards have done this action and after all my work of on time payments and payoff I should be getting an increase. This decrease will only hurt my credit score in the long run doing the opposite of what I was hoping to achieve in better credit
Consumer complaint received 2024-02-19
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. (MI)

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 2022-04-22
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. (CA)

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NJ)

I leased a XXXX XXXX from GM Financial made all payments on time and return truck on maturity date, Due to pandemic I had to purchase vehicle from out of state and dealership i purchased from drove new vehicle to my place of employment and drove my lease return back on XX/XX/XXXX. Approx. 2 months after lease I began to receive harassing phone calls from GM Financial stating i owned money for damage to vehicle that was not on vehicle when dealership picked up and inspected. When returned vehicle there was now damage anywhere and I had just installed 4 brand new tires and had vehicle detailed to ensure there would not be a problem. I asked them repeatedly to send me copy of report as I had pictures to show vehicle condition when dropped off. I also asked them why it took months for them to inspect and sell vehicle and what was price of sale of vehicle at auction as I am certain it was over residual value. GM never send bill but continued to rob call me at my employers number even though asked not to be contacted on that number on at least 5 occasions. Now I just received an alert on my credit that GM has submitted account to collections without sending me documents requested as I was disputing charges as they were fraudulently or may have occurred in the two months it took them to inspect vehicle in dealers possession. Their was also mileage charges that were approx. XXXX miles higher than when dealership took my lease back so evidentially either dealership or GM drove the vehicle somewhere.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MA)

I am unable to view transactions on my account prior to XX/XX/22. 
There is no payment history which allows me to see where and when MY payments have been posted. 
I have reviewed the data since XX/XX/22 and at least half of the payments do not appear. 
I need an accounting of all my payments on this account. 
I have paid {$3900.00} and the student is paying as well, and Sallie Mae is impossible