davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with Kohls Account XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Kohls Account XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a letter prepared on XX/XX/XXXX, which stated that you issued another card ending XXXX on XX/XX/XXXX. I have received a bill last month which showed there was a check refund of {$220.00} ; to which I requested the explanation what kind of nature this refund check had. But I have not received any letter of explanation. The letter prepared by XXXX XXXXXXXX, XXXX XXXX XXXX, tells that there is no balance by opening a card ending XXXX without any consent to open. I have already complained several times that the refund check might be a refund issued by PayPal. If that was the PayPal refund, one issue which related with illegal activities in PayPal might have been solved. However, your letter indicated that the card which you issued without any consent as a replacement card of a card ending XXXX. I am waiting PayPal the movement of the amount {$220.00}, which should be existing in my account of PayPal as credit but unable to use. If PayPal states that PayPal refunded the amount of {$220.00} to the closed account either ending XXXX or XXXX, there might be another investigation on this matter. Anyway, since the card ending XXXX was issued without any consent by the customer, your company, Synchrony, performed some illegal act to open an account/card without any consent of ( unknown ) customer. You need to provide the detailed explanation to the authority. 
I have not reported anything on the matter of your company in case of credit report/credit report XXXX I am just asking why you have opened the card ending XXXX, which I have never received. And I suspect the possible illegal usage of card in my name. Now, you state your company opened another card without my consent at all, which is ending XXXX and, I have not received, I wonder what king of company policy your company has. Even though I do not want to receive any credit card from your company, you need to explain what have happened all these cards in my name. Maybe, these two card might be missing by the fault of XXXX since we have many delivery issues with XXXX already. 
Your company has mentioned that you observe the Gramm-Leach Bliley Act of XXXX, which ensures the consumers as their right to protect their private information, especially financial information, not to use, share and collect with other financial institutions. I am not sure why you need to mention to me since I do not ask to open any credit cards with any companies at this moment, I wonder your position that you feel the necessity to mention this Act now. Somebody might have shared my financial information, and you need to emphasis you have not shared. 
Since I do not want to have any credit card from your company, you do not need to enclose your company, especially bank privacy policy.
Consumer complaint received 2023-05-28
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: Bread Financial Holdings, Inc. (TX)

COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX  symptoms while battling other illnesses related to my XXXX  service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX  of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NJ)

None of your topics fit but here we go. 

In XXXX or XXXX I applied for and received a VENMO Visa credit card. It was approved and I was given a XXXX credit limit. As my credit improved, I was able to get credit cards with better rates so while I still have the card, I do no choose to use it at this point in time. The apr is almost 30 %. I have not used the card since XX/XX/XXXX but I have purposely not closed the card and would not. 

I was shocked to get an alert that a creditor had decreased my credit limit - as my income and score are ( or was ) better than ever. Pull up my report and my score dropped several points because VENMO cut my credit limit from XXXX to XXXX. 

I was floored- I am XXXX XXXX XXXX and this has never happened to me before. I contacted Venmo and they admitted that it was due to the fact that I have not used the card since XX/XX/XXXX that they dropped my credit limit. 

My credit score is now being penalized because I AM NOT drowning in debt? I don't understand how this can be ok.
Consumer complaint received 2024-07-15
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # 39 ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX PNC Bank Attention : Fraud RE : Notice of Unauthorized Use of ATM/Debit Card Account Number [ XXXX ] to use my ATM/Debit card in any way. 
Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was used for unauthorized transactions secured without a PIN starting on or after XXXX XXXX, 2024. I did not authorize any transactions on or after this date that were secured without my PIN.

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementin
g Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : All debit transactions secured without a PIN I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report, which includes : My FTC Identity Theft Report The CFPBs Notice to Furnishers of Information Please reimburse my account for all unauthorized transactions made without my PIN. On XXXX XXXX, 2024, I spoke with XXXX  [ Last Name Unknown ], a member of the executive team, who stated that PNC has no way to identify PIN transactions versus non-PIN transactions. However, the attached screenshot from my account statement clearly shows that PNC does possess this information. I believe this screenshot clearly demonstrates that PNC is capable of distinguishing between PIN and non-PIN transactions, contrary to XXXX XXXX statement. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored ]. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information Screenshot of Account Statement
Consumer complaint received 2024-07-15
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. (KY)

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 2024-07-14
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and 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 assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 suppose to 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 2024-07-15
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Contacted Capital One Credit Card in XXXX of XXXX  by going into the branch and having the staff contact the credit card department. I informed them my credit was pulled and a fraudulent set of charges was charged to an account XXXX XXXXXXXX I knew nothing about and all of these late pays from the fraudulent charges were destroying my credit score. I filed a fraud report over the phone with them and was told a new card would be issued. I received a new card ending in XXXX XXXXXXXX. I went in monthly to address this with Cap One in the branch and had them call credit card dept as being told by 3rd party they still had on my credit. I just had my credit pulled and now instead of one card with all these bogus late pays I show 2. The old Fraud one shows active ( per XXXX minutes ago the fraud dept of XXXX told me the account shows closed on their records and told me I needed to contact the credit bureaus to have removed ). Fraudulent card shows reporting from only XXXX. My new card I just received has late pays of XXXX days, XXXX XXXX days and XXXX days. When they sent me the new card they uploaded the fraudulent credit history causing my score to be terrible. Please have them remove this fraudulent card, XXXX from my credit report completely and have them remove the fraudulent late pays from my current account XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed the account that opened without my consent was still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account that is found to be opened due to incorrect credit reporting. The disputed account does not my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove this account. If you feel there is a possibility this account was allowed by me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX ) XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/year> Balance : {$0.00} ; XXXX ) XXXX XXXX  Date opened : XX/XX/year> Balance : {$0.00}
Consumer complaint received 2024-07-14
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ( XXXX ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and 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 assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed individual about whom the report relates according to 15 USC 1681 ( e ) ( b ), And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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 ( i ) 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.