davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Signed up with a billing company to pay for a gym membership. The original company has been paid in full and has given me ample documentation to support that my account is closed and completely satisfied. 
A few months before I fulfilled that contract, however, another billing company which I had never heard of contacted me separately and told me they would be billing me for the same contract, but a much higher amount. They insisted that the original billing company had assigned the account to them but would not provide any documentation to the fact. They proceeded to autodebit my account, which was made possible because the gym gave them my billing information before promptly going out of business, preventing me from contacting them. 
After fulfilling the original contract, I presented this information to my bank during their investigation of the wire fraud. The second company then responded by assigning the fabricated debt to a collection agency, which then reported the information to TransUnion and XXXX. 
Upon requests under the FCRA to the credit agency ( XXXX XXXX XXXX XXXX ) and Transunion both for validation of the debt, I was merely sent a copy of my original contract with the first company and told that it was valid. All parties plainly ignored the documentation I submitted to them from the contract company, including detailed payment records and a plain-text statement that the account has been completely satisfied. 
The gym which opened the account in my name has closed ( XXXX XXXX XXXX in XXXX, SC ). The billing company who attempted to autodebit my card ( XXXX ) has closed and re-opened under many names. In fact, a simple google search on their business leads to a wealth of information about their shady practices and willingness to verbally abuse their victims. 
TransUnion has elected to not exercise due diligence when investigating my account. This is evident in the fact they attempt to " verify '' the debt by referring to my contract with XXXX, in spite of my submitting plain-as-day letters and statements from XXXX stating that the account is completely satisfied. To make matters worse, they did n't even bother verifying the amount : The contract clearly states a total amount of {$1200.00}, but somehow this has turned into a debt of {$1400.00}! The fraudulent debt quite literally added an arbitrary amount to the debt without any explanation as to why, but this was also ignored. No party attempts to deny that the account in question is the same one that is already satisfied, demonstrating that this collection account is a shameless attempt to force me to pay twice. If a plain English statement from the creditor that this debt is invalid is not enough to invalidate the debt, what in the world is?
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

Unbeknown to me, my PNC checking account was compromised by some individual, that we don't know, using a mobile application to cash multiple unauthorized or fraudulent checks. Immediately upon learning of this theft on XX/XX/XXXX, the bank was notified in person the very next day, since the customer service center was already closed. PNC explained not to worry that they would take care of this theft and refund our money. I walked away relieved! 

Fast forward to XXXX, the theft claim was denied because we reported the fraud 30 days after the first occurrence. Unfortunately, we had no idea unauthorized checks were being processed by PNC since we mostly use ATM, ACH or cash/balances for transactions. The thief started cashing unauthorized fake checks in small amounts to avoid suspicion - sadly it worked. 

PNC should have a noticed the high increase of checks being processed since as noted earlier, I use maybe 2-3 check per month. We were not notified of this unusual activity. PNC has copies of the all fake checks with clear false signatures. 

This individual knew how to easily compromise a checking account and steal money from PNC. Worse yet, they will do it again if not stopped by the authorities ... 

While it is ultimately the consumers duty to maintain the health of their checking accounts, whether high or low balances, I trust PNC or any other bank for one main reason - to keep my money safe from thieves. I have been a loyal PNC customer in good standing, for at least 10 years if not more, and also still have a money market account with them. Yet some of the recent conversations with PNC staff regarding this blatant check fraud, were questioning of my character and honesty. 

At this time, we have filed an appeal with PNC requesting all my stolen funds be returned to my account. Any assistance or guidance CFPB can provide will be greatly appreciated. 

Thank you. XX/XX/XXXX 2019
Consumer complaint received 2023-01-01
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (LA)

XX/XX/2022 IQ Data International Inc. contacted me regarding an account. 

XX/XX/2022 IQ Data Internationals sent a letter trying to collect on the debt. 

XX/XX/2022 I sent a letter via return receipt for validation of the debt requesting to stop collecting on the debt until debt is validated. 

XXXX XXXX IQ Data International Inc. reported to credit monitoring services increasing amount, which resulted in points decreased, without debt being validated.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (MI)

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. 15U.S.C1681 Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 USC 1681 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction. 15 USC 1681 c ( 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 then convictions of crimes which antedates the report by more then seven years.15 USC 1681 c 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian and XXXX continue to report the account as delinquent even though the account is clearly closed. I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness,
Consumer complaint received 2020-08-25
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 (CA)

Portfolio Recovery stated that once the balance was paid this item would be removed from my credit report. Instead of removing the item, they reported this account as settled TODAY. Instead of simply removing the item from my credit as a promise. A letter stating paid and agreement to remove is attached.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the fair credit reporting act conversion account numbers have violated my rights. 

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

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 2023-01-01
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. (CA)

I disputed with Experian on XX/XX/XXXX via Certified Mail regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX. 

XXXX XXXX XXXX XXXX XXXX Loan Partial Acct # XXXX. 
Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # XXXX. 

I have disputed these accounts on multiple occasions. 

They received all XXXX letters via XXXX Mail on or around XX/XX/XXXX. I have not received any of my dispute results since then. It's been more than XXXX days. The disputes are regarding multiple months that are reporting inaccurate and incomplete information on all accounts. 

Please see attached letters, credit reports, and bank statements.
Consumer complaint received 2022-12-31
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. (AR)

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about chapter 7 & 13 bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANKUNITED, NATIONAL ASSOCIATION (VA)

This is a second complaint filed -- the initial complaint resulted in the bank rescinding the original foreclosure. We discussed the payment required to enter into a forbearance agreement. The original amount discussed was significantly lower -- the amount that was offered by the bank was eventually much higher and the funds were not available to make such a payment. We agreed to sell the family home after making certain renovations : those renovations ( about 80 % ) were made at a cost of over {$40000.00}. We began listing the house a short while ago. It was our understanding that the bank would give us the time to try and sell the house at a reasonable valuation. The listing price was almost XXXX % below the tax appraised value -- I think it showed we were serious about selling the home as quickly as possible. A great deal of work went into the staging and removal of most personal items to a storage center. 

We were scheduled for a realtor open house last weekend when a stranger knocked at our door saying the property was listed in the paper for foreclosure just a a little over a week away and wanted us to retain him to fight the bank -- we declined. A couple of days later a letter arrived from the Bank 's law firm saying the foreclosure was re-instated and scheduled for XX/XX/XXXX. The bank officials with whom we had discussed the forbearance, etc.had out emails and telephone numbers -- they made no attempt to contact us an alert us they were moving in this direction. We in good faith made several investment renovations decisions in the prior week, including purchasing new counter tops and appliances for the kitchen and replacement windows. It appears that this investment has been for nothing and we will lose these money. The auction will only bring an amount close to the banks loan/lien and we will see $ XXXX - $ XXXX of equity disappear. 

Given our willingness to list and sell the house at a discount, I think it would only have been right for the bank to provide this time. Also they should have communicated sooner that they were moving forward with the foreclosure so we could have stopped investing in renovations to the home.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

We have a XXXX interest portion of our account and an interest bearing. We made extra payments towards our interest bearing portion and they were applied to our XXXX APR balance. Chase doesnt apply them to current balance on purchases of the card.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses do not belong on my credit report.
Consumer complaint received 2016-08-18
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Control Technology, Inc. (AL)

I found out I had an outstanding student loan this year after I filed my taxes, when my refund was taken. I made contact with the XXXX XXXX loan and the collector.I explained the situation and that I was disputing as the information that they had on file was from over 20 years ago : the address was from when I still lived at home with my parents, my phone number was incorrect, my email was incorrect and I was not aware of having this loan. I was told that I would need to file a dispute and contact them when I heard back - this would have been in XXXX. I started the dispute and requested copies of the paperwork at that time. I was assured that it would be sent. I never received it. 
In XXXX I received apx 20+ calls from number I did not recognize that only left partial recordings on my voicemail- none identified the company, who they were trying to reach, or why. 
In XXXX and XXXX the same. Multiple calls from a robodialer, sometimes minutes apart. None identifying who they were, why they were calling, other than " an important matter '', and a partial message on my voice mail. 
I actually spoke with a XXXX ( or XXXX ) XXXX in XXXX. I answered the phone and was immediately bombarded with rude and abrupt questions and threatened with having my wages garnished if I did n't immediately do as she said. I attempted to explain that I was disputing the loan and her reply was " You 've had enough time, you need to pay this now ''. I asked for her to send me the Promissory note- she told me that she would not. I asked if it could be emailed, no. I asked for her supervisor and was told that he was n't available and that he would n't be able to help me. 
I hung up the phone and called back after work- The Company that has my loan is Accounts Control Technology. I spoke with a XXXX XXXX who claimed to be XXXX Supervisor. I explained the issues I had been having, requested the paperwork again, and was told no problem, he would mail it out. 
It 's been 3 weeks and I still have n't received the paperwork. 
The phone number they have been calling from is XXXX. The extension I was given was XXXX. These people are harassing, threatening, bullying, and intimidating me in an attempt to get money for a loan that I am trying to prove I did not take out to begin with. I have no idea where to go with this.
Consumer complaint received 2016-02-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (GA)

National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.
Consumer complaint received 2022-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of XXXX score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my XXXX score. 
Why does XXXX have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a XXXX XXXX. Why doesn't my XXXXhistory of paying all bills in full for years count? And not owing money. WHY DOES THE XXXX GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my XXXX credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by XXXX XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS XXXX AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.
Consumer complaint received 2022-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I need clarification as to the following XX/XX/XXXX Misc Fee adjustment {$64.00}, what is this? the chair complaint? XXXX XXXX Since there is no email communication address for Capital One available, I must communicate wit Capital thru CFPB (! ) Please define if transaction XXXX is the original transaction charge? 
If so you have negated the many Purchase credits given to me in past three years! 

Capital One closes many complaints without explanation as to resolution final results CFPB : HELP! Capital One does not issue explanation letters to many compalints and just closes them without explanation
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (OH)

XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter