davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

According to 15 U.S. Code 1692g, which governs the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper notice of the debt and an opportunity to dispute it within 30 days before reporting or publishing it to any credit reporting agencies.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

To whom it may concern, I would like to file a dispute on the XXXX  XXXX transactions on XX/XX/year> and XX/XX/year> with Citibank. Each transaction was for {$1000.00} to a total of {$2000.00}. 

The payments that were supposedly for the dental veneers that XXXX XXXX XXXX who is a dental XXXX XXXX  was supposed to provide to me. 

It's agreed that he'd provide veneers for XXXX of my teeth with total of cost {$3700.00} He asked me for deposits through XXXX, which I sent 2 times for a total of {$2000.00} as mentioned above. 

When it came to time to put the veneers on, I could not contact XXXX XXXX. He'd not return my multiple phone calls and text messages. 

It became obvious that he's not planning to provide the veneers that he promised to provide and took the {$2000.00} deposit and ran away with it. 
It has been over a month and I still can not contact him. 

I came to the XXXX Police Department to file a report. 

However, a police officer said that it's not a criminal matter but a scam, could not opened a police report. He suggested me to file a claim to the related institution. 

This scam by XXXX, he's damaged my teeth, I've been in a lot of stress in the last few weeks from not being able to eat solid foods, the pain from the damage teeth and the feeling of being a victim of a scam. 

Police officer said this is a scam but Citibank N.A. has not resolved this issue and has not refunded my money back. 

Could you please help me this scam for a refund money? 

If you need more information, please let me know to proof all conversations, messages,... 

I greatly appreciate your help. 
XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am reaching out for your assistance with an incorrect account on my credit report that is damaging my standing as a customer. I want these accounts removed, as they are being reported in a false and harmful manner.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On XX/XX/year>, I entered into a loan agreement with NetCredit, where I was required to make bi-weekly payments of {$110.00} at an annual percentage rate ( APR ) of 98.66 %. To date, I have made 46 bi-weekly payments totaling {$5100.00}. This amount significantly exceeds the original loan principal of {$2700.00}. However, despite these payments, the payoff amount still stands at {$2400.00}. 

I believe the terms of this loan are unmanageable and unfair due to the excessive interest rates and fees imposed. Despite paying more than the original loan principal, the balance remains disproportionately high, making it nearly impossible to meet the ongoing payment schedule. This raises concerns underXX/XX/XXXXUsury Laws, which cap interest rates at 18 % for loans under {$500000.00}, with anything above 25 % being classified as criminal usury. The 98.66 % APR charged on this loan far exceeds these legal limits. Similarly, XX/XX/XXXXUsury Laws, where XXXXXX/XX/XXXX XXXX XXXX ( XXXX partner ) is headquartered, limit interest rates to 8 %, and any agreement charging more than 25 % APR is considered criminal usury. The 98.66 % APR on this loan also exceeds XXXX legal limits. 

I believe this loan falls under predatory lending practices designed to trap borrowers in a cycle of debt with unmanageable terms. These practices mirror other legal cases, such as Fleming v. U.S. Auto Credit Corp., where similar interest rates violated state usury laws, and State of Colorado v. CashCall , Inc., where a lender structured its business to bypass state usury laws by partnering with out-of-state banks, leading to predatory lending charges. 

I have asked NetCredit to void and close my loan account, but they have refused, stating a past due balance of {$1200.00} despite the fact that I have already paid more than the loan principal. I am concerned that NetCredits business model is designed to bypass state usury laws through its partnership with XXXXXX/XX/XXXXXXXX XXXX and is engaging in practices that exploit consumers with excessive interest rates and fees. 

I am requesting an investigation into NetCredits practices for possible violations of state usury laws and predatory lending practices.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had multiple successful attempts to access my checking accounts and withdraw funds by fraudsters. Every time I have to proactively manage and contact Citizens, they were slow to respond and resolve the issue. The accounts were placed XXXX negative balance because of this causing other legitimate payments to be returned due to insufficient funds and they took more than 10 business days to return the stolen funds from my accounts causing me to pay NSF fees and late fees to my other providers and also have utilities out into shutoff because of returned fees. 

I ended up switching banks due to their processes. They then took my negative balance which were as a result of their own fees and sent me to collection and put note on my credit report which caused me to be unable to open new accounts at other financial institutions until I paid citizens which i ended up doing. 

Horrible experience.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX ) is trying to collect a money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3700.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. 

I have contacted Transunion credit reporting agency on multiple occasions to delete the fraudulent account. Transunion has not responded to the original CFPB complaint which was filed on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX has not responded to the CFPB complaint on filed on XX/XX/XXXX. 

Transunion investigation on my dispute I submitted through their company results were valid with no evidence of proof other than the company 's word of mouth considering it to be hearsay. 

No documentation was provided to me on the fraudulent account.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX ) is trying to collect a money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3700.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. 

I have contacted Transunion credit reporting agency on multiple occasions to delete the fraudulent account. Transunion has not responded to the original CFPB complaint which was filed on XX/XX/year>. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX has not responded to the CFPB complaint on filed on XX/XX/XXXX. 

Transunion investigation on my dispute I submitted through their company results were valid with no evidence of proof other than the company 's word of mouth considering it to be hearsay. 

No documentation was provided to me on the fraudulent account.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (VA)

A law office in NJ for a 3rd party collection agency sent me a court summons for a debt I was unaware of due to my personal information being compromised and stolen. The original creditor was apparently XXXXXXXX XXXX There are others I am trying to dispute such as XXXX XXXXXXXX XXXX and Synchrony. No one has sent me a 1099 form at all.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$450.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion lowered my XXXX score, and they blamed XXXX for doing it. Then, they referred me to their website, apparently, so I could fix it for them.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 is inaccurate.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I booked a hotel using the capital one XXXX portal and with my capital one XXXX XXXX  card. After the wrong date were booked by them I tried to change the date to the right one. I called up capital one XXXX, the hotel, and the hotel 's management company. Capital one XXXX  said they can't do anything and to call the hotel, but the hotel and management company both said that because capital one handled the payment and booked my trip ( the wrong dates ) they would have to remedy the issue. Upon calling them, they say there is nothing they can do. 

One thing of note is the hotel and the hotel management offered to change the date no problem, but capital one refused to give me the confirmation code from the hotel and would only give me the capital one confirmation code. This blocks the hotel from being able to accommodate me, which they were glad to do. 

This is in bad faith given I used their travel card and their travel portal and they refuse to make any accommodation for changing a date well in advance of a trip. 

Booking was {$360.00} for XXXX night at XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Saturday, XX/XX/year>2024 at XXXX XXXX 
Check-out : Sunday, XX/XX/year>2024 at XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attached proof of my identity being stolen, at this time I am not aware of who's responsible for such fraudulent acts. I would like to get my complaint situated immediately because it is taken a huge toll on my report and character. It isn't fair how someone was allowed to open these account without extra forms of identifications.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. Transunion, XXXX, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear CFPB, I am writing to bring to your attention violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding the handling of my personal credit information. The following accounts have infringed upon my rights to privacy and confidentiality : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (AR)

I am filing a formal complaint against PNC XXXX XXXX for gross negligence, violation of federal banking regulations, and financial harm. PNC repeatedly failed to properly investigate unauthorized transactions, mishandled my accounts, and ignored my fraud alerts, leading to significant financial loss, legal repercussions, and emotional distress. Despite numerous communications, PNC did not resolve these issues, violating the Electronic Funds Transfer Act ( EFTA ), Unfair or Deceptive Acts or Practices ( UDAP ), and the Dodd-Frank Wall Street Reform Act. Please refer to the attached detailed letter for a comprehensive account of PNCs misconduct, including documented evidence.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX I looked on my Transunion Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report.

- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer.

- As a result, these inquiries are negatively affecting my credit score. 
XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. 
- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports. 
- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.