davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

PNC Bank does not allow its members to connect their account with outside services. I have encountered this issue while attempting to setup an account with the popular trading service, XXXX. Why would members not be allowed to use their account in a manner they respectively see fit? I can understand needing further approval or a in-depth and more cohesive approval method, but to outright deny members a service without apparent reason, or choice for that matter, is outrageous and should be regulated or at the very least scrutinized. Thank you for consideration in this matter. I hope many members can benefit from this inquiry. 

Regards
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that XXXX XXXX undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts.

Cease All Collection Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect XXXX XXXX to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from XXXX XXXX that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect XXXX XXXX to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

Sincerely,
Consumer complaint received 2023-04-02
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)

I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. The fraudulent, inaccurate, and false information consists of a personal car loan account opened at XXXX/MAZDA FIN SV  on XX/XX/2020 under the account number ( private ), and a personal car loan account opened at MAZDA FINANCIAL SERV and MAZDA FIN SV on the same date under the accounts numbers ( private ). These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.
Consumer complaint received 2023-06-23
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report as XXXX XXXX XXXX XXXX XXXX Balance : {$220.00}.
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

My husband and I contacted Transworld Systems ( TWS ) today after seeing 3 collection accounts on my credit report. The first represenative was very helpful and explained that we had 14 accounts actually and 11 for some reason were not reported. When I asked the reason 1 account would be reported while another is not her could not answer and actually suggested I contact my own credit specialist ( as if they would know the reporting policy of TWS. ) I then agreed to pay all 3 accounts in full today in exchange for these 3 being removed from my credit file as the other 11 they claim to have are. I additionally agreed to make a payment arrangment on the other 11 accounts. Unfortunately the represnative I believe XXXX was his name couldnt accomodate the request so he transferred me to a Manager named XXXX. At this point my husband was handling the phone call and when the manager asked if my husband was me I was out of the room so he said yes. XXXX became irritated and question my husband as he clearly sounded like a male, I at this point re-entered the room and got on the line indentified myself and explained to XXXX that I needed to get back to my home office and my husband would handle the payment. He called my husband a liar and refused to speak with either of us at this point, repeatedly calling my husband a liar and then he hung up the line.
Consumer complaint received 2023-09-23
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (MI)

Lvnv funding furnished inaccurate information to a third party debt collector/attorney XXXX XXXX XXXX trying to collect on an alleged debt and take me to court. On my consumer report it states XXXX they put XXXX. I dont know of any debt. I wrote them back stating the violations they both are in.it is a closed account and STILL reporting. According to 15 usc 1681 ( a ) and 15 usc 1692c ACCURACY is a must on the consumer report.
Consumer complaint received 2023-06-03
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. (GA)

This is the XXXX Complaint before Filing a Lawsuit against TransUnion and XXXX! There is a fraudulent account on my TransUnion and XXXX XXXX XXXX with XXXX XXXX, Account Number : XXXX, also known as XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( the way it is reported on my XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the report is not included on my consumer report. TransUnion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Consumer complaint received 2020-07-01
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 — Problem with personal statement of dispute
Company: Lendmark Financial Services (CA)

Lendmark financial called me to make a payment. I told them ok ill pay it off now. I was told by the rep who called me she didnt know how to take payment over the phone. I asked her for payoff amount and she gave it to me and someone will call me back. When they called me back i was out of town due to a death in my family. I called them back and let them know I will call them as soon as I am back home to pay. They agreed. When I returned home I called to payoff and received a higher payoff amount and was told it was a new rep who gave me wrong amount. After I paid that is when I realized they reported me paying late after agreeing I would pay when I return. Given that I paid off {$4000.00} at one time after given that payoff amount. I am hit with another {$100.00}! They should be investigated!
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I believed I was purchasing 10 APC units from someone online for us to resell. I was sent an invoice with a payment link for a total of {$3300.00} through XXXX XXXX. The transaction had an issue going through. I called XXXX XXXX  and representative advised me to cancel the payment request that came from the vendor and send two payments myself from ( One for {$2500.00} and one for {$850.00} ). Upon doing that, the transaction went through. I felt confident because XXXX XXXX  seems like a secure way to pay and I was using my Chase business Visa Debit Card, so that I thought I was protected one way or another. 

After the payment was made, I stopped hearing from the seller and could not get in touch with him. Calls to both Chase and XXXX XXXX  have resulted in nothing. From what they tell me, it's like I sent cash to someone over the internet. I can't understand how this makes sense. XXXX XXXX  should have policies and procedures in which people receiving money ( at least larger sums ) should take a while to get verified to ensure scammers just aren't out to get people. XXXX has very good policies in regards to that. 

Both Chase and XXXX XXXX  have only been able to say sorry, but we can't do anything. It has been an extremely difficult hit to our small business and have been left wondering if XXXX XXXX  should even be allowed to operate in an industry with little checks and balances.
Consumer complaint received 2023-06-23
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: TRUIST FINANCIAL CORPORATION (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield claims that I owe an amount of {$2400.00} WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) but have failed to provide me with a debt validation or any proof that I owe the specific amount. The account number is XXXX I sent a dispute letter about few months ago and still no respond from the company.
Consumer complaint received 2020-07-01
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. (DC)

I opened a XXXX XXXX store card in XXXX of XXXX. I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. XXXX XXXX account team did not help me as they kept me reverting back to some collections agencyXXXX XXXX posted many months of late fees on top of the ~ {$110.00}. the late fees added by XXXX, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. XXXX XXXX horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with XXXX XXXX customer service then XXXX XXXX  ( XXXX uses for their store Card ) and spent hundred of hours trying to resolve. XXXX XXXX customer service has been giving me different numbers each time I call. I filed a fraud claim with XXXX XXXX explaining that my card was stolen but no support came in from XXXX XXXX at all. It's XX/XX/XXXX and I still do not have any support. XXXX XXXX customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX XXXX XXXX gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

XXXX has harassed my mentally and physically with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as XXXX XXXX have constantly failed me and I and begging for relief.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (FL)

See attatched # XXXX XX/XX/XXXX Experian Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY XXXX should be illegal ) Kindly Note XXXX XXXX XXXX  ( *Partial Acct # XXXX **DATE OPENED XXXX XXXX Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. XXXX CHANGED NUMBERS. 5 years later ALL XXXX MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH XXXX OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

My name is XXXX XXXX, I had an issue paying such a small balance on my Discover credit card. I have an excellent long standing history with all my credit cards. In XXXX I was not able to make my payment, which caused my to go late for more than 30 days, thus my account was reported to the credit bureau for a negative impact on my credit report. I XXXX from XXXX when it was beginning here in the USA at that time. I was at the XXXX and I recovered after a months time. I was not able to make the payment. I called Discover and they were no help at that time, there was no deferment back then or any sort of help or understanding to my situation. Discover refused to help and instead reported me to the credit bureau negatively impacting my credit report when I had perfect standing! I want a resolution in good faith as this was an emergency and one time occurrence to resolve this in removing this negative report from my credit report as it has impacted my credit score and information to all potential lenders/banks. Now with the hardship of how COVID is now, I would really appreciate the help and resolution with Discover to put my account back in good standing. Thank you.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

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. 

ONEMAIN - Account # XXXX The above account have violated my rights. 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 2020-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (NJ)

XX/XX/XXXX XXXX  contacted me about a card they said I had back in XXXX. They said it was issued to me, this was not a card I had applied for. They gave me the original count number and the original company. I contacted the original company they told me that the card was sent out I am returned twice to them unopened. However there were charges on the card. The address the card was sent to I was not living at XXXX of XXXX. So not only did I not apply for the card, I could not have received the card, and it was returned to them unopened. I don't understand how the original company did not see that an unopened card envelope had charges on it and investigate this back in XXXX. I tried to explain this XXXX  the lady didn't believe me put me through to her supervisor who also did not believe me and hung up on me it's an emotional time I not working I'm not getting my unemployment I try to explain this to them and put them telling me that they're sending somebody out to serve me for a complaint to me this is scare tactics that are not needed especially in a time like this she gave me the information for the card then they are nasty with me telling me that was that company no longer owns the card I informed them that I was contacting them back and let them know that the company was investigating are there end the fraud use of the card so I can clear my name they didn't want to hear any of this
Consumer complaint received 2022-07-21
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)

I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act Convergent the accounts 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