davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

I went to a conference in XXXX ( XXXXXXXX XXXX XXXX ) and met a man who told me he works for the private office who can provide real estate line of credit for over a XXXX dollars with XXXX to XXXX. He introduced me to man who works for XXXX XXXX XXXX. He sent me a conditional quote of {$75000.00} will give me XXXX XXXX line of credit. I contacted my lawyer to create an agreement and an escrow account to wire the money to them for the line. He stated that within 72 hours the line of credit will be active to use. We wired {$75000.00} to XXXX XXXX account. The line of credit is not available and I have sent him the real estate listing that I want to purchase. The money was sent from PNC Bank to their XXXXXXXX XXXX
Consumer complaint received 2024-01-11
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-26
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)

I have disputed this account countless times this year. it was open back in XXXX and for some reason it still reporting even though it is closed for collections. 

TRANSUNION AND XXXX IS STILL REPORTING THIS XXXX XXXX XXXX STATUS. THIS SHOULD BE REMOVED AND CLOSED. 

IT HAS BEEN REMOVED FROM XXXX WITH XXXX. IT SHOWS DEROGATORY ON MY REPORT AND PREVENTING ME FROM MOVING FORWARD. 

THIS ACCOUNT IS OLD AND IN A FALL OFF STATUS. AS LONG AS IT REMAINS YOU GUYS ALLOW THE COMPANIES TO RETRY AND KEEP THE CREDIT ATTACHED AND THAT IS ILLEGAL AND A INCCURANCY
Consumer complaint received 2024-01-11
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

I don't recall having a contractual relationship with this collection company CBE GROUP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-11
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MS)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXXXXX unauthorized inquiry XXXX XXXX  XXXX unauthorized inquiry XXXX XXXX XXXX XXXX  unauthorized inquiry XXXX XXXX XXXX unauthori XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2024-05-24
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX Laws Dear CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA XXXX I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX identity theft fraud laws, particularly XXXX Municipal Code Section 610.180. 

It has come to my attention that CBXXXX XXXX CB/EXPRESS, COMENITYBANK/VICTORIA has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXXXXXX XXXX  law, specifically XXXX Municipal Code Section 610.180, emphasizes the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with certainty that I have not provided consent for CB/XXXX, CB/EXPRESS, COMENITYBANK/VICTORIA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXXXXXX XXXX  identity theft fraud laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXXXXXX XXXX  laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CBXXXX, CB/EXPRESS, COMENITYBANK/VICTORIA will promptly rectify these violations XXXX respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX 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 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 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 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (OR)

I have never had a Discover card in my possession. This card and 2 other cards were fraudulently opened in my name XXXX on XXXX of XXXX and XXXX on XXXX of XXXX. I disputed this back in XXXX of XXXX, which it is noted on credit report. Around XX/XX/XXXX My daughter and I called to solve the issue and 3 times we were put on hold with no response or help.
Consumer complaint received 2023-06-17
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. (MA)

On XX/XX/2023, I purchased a belt from XXXX XXXX. I had a change of mind due to the quality and cost of the belt. The item was returned by mail back to the sender in all of its original packaging on XX/XX/2023. To my surprise, I received the same belt back in the mail without prior notice. A letter in the package claimed the belt to be unauthentic and the company will charge my credit card for the full amount of {$610.00}. I immediately filed a dispute with Chase Bank and received a notice of valid charge in the app under Notices and Letters on XX/XX/2023. Chase Bank claimed they reached out to me to follow-up regarding the dispute and closed it due to no response. However, I never received any phone calls or email from them. XX/XX/XXXX was the most recent document posted as seen in attachment. I appealed the decision with a written letter to Chase Bank as instructed by a representative via phone. On XX/XX/2023, I received an update on the dispute. Chase Bank once again sided with the merchant and concluded the charge as valid although they state that my complaint to the merchant is valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. As a bank this is unacceptable and I feel wronged as a client. Chase Bank website claimed consumers are protected from : A product or service you received and are dissatisfied with. However, this is simply not true and Chase Bank should face a class action lawsuit for deceiving consumers.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My identity was stolen XX/XX/XXXX. Every credit card and debit card I owned was informed. In early XX/XX/XXXX ( around XX/XX/XXXX ) I called capital one to pay a balance owed of {$300.00}. I was informed that it was paid in full. When I tried to use the credit card it was denied. I called capital one back to inquire and found out that there was a second credit line opened with capital one that I did not authorize, also {$300.00}, that credit line had already been emptied. I informed capital one that I was not the one who opened this account. I was transferred to their fraud department to make a claim. Later I was informed that the balances owed on both credit lines through capital one were attempted to be paid with my debit card that was closed when my identity was first stolen. Up to 17 times, in the month of XXXX, Capital one allowed an identity thief to continue trying to pay on credit lines that were reported as fraud with a bank account that was closed. This again was reported to capital one as fraud. I was transferred to a manager who said they would investigate. I stayed on the phone during this investigation, when it was done, the manager told me they did not see any evidence of fraud and I would be liable for all charges. I asked to speak to someone higher and was denied multiple times, being told that I was speaking to the highest level of authority at capital one. Days later I called capital one again to try settling this issue, when I was transferred to a manager, I told them my name and I was hung up on. Capital one allowed the identity thief to change my account information multiple times even after I had called and corrected it. They denied my fraud claims even after given them the police report number. I have further proof of this identity theft at this time.
Consumer complaint received 2023-06-16
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. (IL)

I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-01-11
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. (MO)

I fixed everything on the account once I was notified. It's not that I refused to pay it or couldn't pay it, it's that the ONLY reason that account ended up delinquent and 30 days behind was because their app not only mislead me, but also misrepresented the fact that auto pay was not for my XXXX XXXX account as a whole but rather one individual card instead of all on my account. It kept telling me auto pay was on but little to my knowledge it was just for that one card and notifying me a payment is coming up and auto pay was on. I never got notifications on the app about my behind card either, I only found out because of XXXX XXXX They never made it clear that auto pay was for individual cards and not my whole XXXX  XXXX account. So I went months thinking everything was good and being paid on my other XXXX card. They also gave me some false sense of security by removing it, then not even 2 days later, they added it back. All this, over a misunderstanding with their app structure. If you look at my other XXXX  XXXX account, it even has perfect payments.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SPEEDY CASH/CURO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (LA)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Consumer complaint received 2023-10-27
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)

XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my 1099-C letter from this company.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2024-05-25
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: DISCOVER BANK (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by Discover Bank ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by Discover Bank. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : Discover Bank - Balance : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. XXXX*Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. 

XXXX. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I would like to bring to your attention the accounts that are inaccurately reflected as late payments on my credit report. Despite my consistent history as a responsible and longstanding customer with a track record of on-time payments, these discrepancies have emerged.
Consumer complaint received 2023-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Hello, In response to your previous response to my most recent complaint filed on XX/XX/XXXX, you stated that you have recently settled two lawsuits relative to discharged non-qualified private student loans. You also stated that I was either not apart or not included in any of those lawsuits. Therefore, you stated that I am still obligated to pay on a debt that I have proven beyond a reasonable doubt is in fact a non-qualified private student loan. The lawsuits that are above mentioned either were filed while I was actively in my Chapter XXXX bankruptcy ( i.e. XXXX ) or when I had just received a discharge order, which was at the end of XXXX. At that time, I was unaware that my private student loan was dischargeable. Your response does not change the narrative of my circumstances. You are clearly in violation of current bankruptcy law by continuing to collect on my non-qualified private student loan. I will continue to file complaints every single day if that is what I have to do. I am only asking that you do the right thing and please cease collections on my loan and refund me what I have already paid since XXXX. This is also what the CFPB bulletin regarding unfair billing practices dated XX/XX/XXXX is calling for as well.