davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (KY)

Sometime about mid XXXX I applied for a credit card from the bank I have been with for nearly 20 years, PNC. The main reason I chose to apply for a card with PNC, as opposed to a competitor, was because they were offering a {$200.00} bonus after spending {$1000.00}. This offer remains on their website as of this writing ( link below ) and I applied via the link on the offer page. 

Over the course of about the next month or so after being approved for the card I spent over {$1000.00}. After not seeing the bonus I reached out to customer service at PNC via their app, who told me to wait for the first statement in XXXX. After not receiving the bonus again after this point I reached out to customer service again, but this time was told I would not receive the bonus. 

As I did not have time to contest this at the moment, I called PNC back and was told an investigation would be opened and should conclude by the following Monday. On the following Wednesday, now a few weeks ago, I called back after hearing no word from PNC. This time I was told the person working my case was on vacation, and I had to wait for her to return. 

As of this writing, I have neither heard anything from PNC nor received the {$200.00} bonus that I applied and was approved for months ago. If you can assist in solving this matter, I would appreciate it. 

https : //www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html? & WT.srch=1 & WT.mc_id=CC_GOOGLE_Search_KYSIN_S_G_B_CC_E & e=GOOGLE & m=p & k=pnc % 20cash % 20credit % 20card & gclid=Cj0KCQjwmICoBhDxARIsABXkXlIyx1y_7Wkql_RWNW5JE8SX9rnOlanPZ3_q4OlKgh0w8PMCBZwPcLIaAgxbEALw_wcB & gclsrc=aw.ds
Consumer complaint received 2023-08-24
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: Bread Financial Holdings, Inc. (NY)

Please I would like to fix this error in my credit report. I was never late on this account. This inaccurate information is affecting me. 



I appreciate your help. Thank you.
Consumer complaint received 2024-06-25
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

Google Irresponsible -- I Lost {>= $1,000,000} I downloaded from Google Pay Store a trading app known as XXXX which turned out to be a fraudulent scam trading platform website XXXX  where I transferred {>= $1,000,000} and although it looked like you made money trading, one did not make any money instead the money that was transferred to that website it was immediately thereafter transferred to other wallet addresses, I have the evidence, so I lost {>= $1,000,000}. 
In addition, despite the fact that I have flagged that app numerous times on a daily basis, Google Play Store still has not removed it. 
Further, in researching who the server was for that website I contacted them, XXXX who shut down that website. 
I lost {>= $1,000,000} because of Google 's lack of concern for the public and only cared about making money from developers. 
Again, Google should be made liable for all my losses or {>= $1,000,000} as they are grossly negligent and do not care about the public. I am XXXX XXXX XXXX and now I am completely broke and had to terminate my employees because I do not have any money to pay them because of Google. 
I have all the evidence for my losses.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Peoples Home Equity, Inc. (TN)

The XX/XX/2016went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my XXXX XXXX started with and XXXX when applied for the purchasing agreement then my score started going on down drastically found out that XXXX & XXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HAWAIIAN, INC. (HI)

I opened an account with XXXX XXXX XXXX XX/XX/2023. He said I can open an online account. 
I went online and could not open an account because I did not get my account number. I have never received paperwork concerning my bank account ( I did receive my debit card ).
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (FL)

To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file an urgent and distressing complaint against InstaLoan XXXX XXXX XXXX FL, concerning their predatory lending practices and the devastating loss of personal property, including cherished keepsakes of my late wife. 

In a period of financial hardship, I was coerced into taking out a title loan with InstaLoan to pay off an amount of {$2500.00} within 30 days. The terms were designed to exploit vulnerable borrowers, imposing an exorbitant {$300.00} reactivation fee every month if it can not be paid in full, rendering it virtually impossible to repay the loan on time. 

As fate would have it, I was unable to meet the stringent repayment schedule, leading to the repossession of my vehicle. But the anguish did not end there ; upon the repossession, InstaLoans tow service, who had possession of my vehicle for less than XXXX XXXX, took it upon themselves to clear it of my belongings. I recently became homeless so there were many things of value inside of it. It included work tools that have disappeared, {$300.00} sunglasses that I never received and keepsakes from my wife who passed away exactly a year prior. They gave me no time to come there and remove my belongings. 

Of utmost heartbreak is the loss of irreplaceable keepsakes that once belonged to my beloved wife, who XXXX XXXX XXXX. These cherished items held immense sentimental value and were an irreplaceable connection to her memory. It is nothing short of devastating to know that they have been carelessly destroyed, tossed into big black garbage bags without any regard for their significance. 

Furthermore, InstaLoan violated my rights by disposing of my personal property without proper notification or a reasonable opportunity to retrieve my belongings. I reached out within XXXX hours of the repossession, only to be met with the agonizing revelation that my keepsakes were already in black garbage bags. 

I implore the CFPB to investigate the predatory lending practices employed by InstaLoan, which led to my financial distress and the loss of my treasured belongings. This distressing experience has left an indelible impact on my emotional well-being, amplifying the grief of losing my wife and causing further hardship. 

I earnestly seek justice and restitution for the wrongful actions of InstaLoan, urging the CFPB to take decisive action to prevent such predatory practices from harming other vulnerable individuals in the future. 

Please, help bring attention to this disheartening situation and hold InstaLoan accountable for their egregious actions, ensuring that no one else has to endure such emotional suffering and property loss in the pursuit of fair treatment and justice. I am considering legal action as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on XXXX Credit Report Dear Sir/Madam , XXXX am writing to formally dispute the information listed on my XXXX credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : # # # Derogatory Account : - **Creditor : ** XXXX XXXX XXXX - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : ** {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - XXXX XX/XX/XXXX Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXX # # # Associated Inquiries : XXXX. XXXX - XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my XXXX credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

I have notified XXXX and Experian several times that the XXXX XXXX XXXX and XXXX XXXX  accounts that they are reporting in my credit history, do not belong to me. Notifications to XXXX and Experian were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all XXXX and Experian. I have requested the original contracts from the original creditors, Experian and XXXX bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

EQUIFAX Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report 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.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers. YOU HAVE 5 DAYS TO RESPOND FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-24
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. (TN)

I am a victim of identity theft and the credit agencies are not following the FCRA. I have sent in all the correct paperwork and they are not attaching them to my disputes and removing the accounts per the FCRA. 

I am not getting copies of the verification process per the FCRA. Im just getting the results of the investigation.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I was not aware Navient was my student loan provider, nor that my loans were considered to be XXXX different accounts. As a result they reported me late and my credit was tarnished pretty badly. I am on good terms with them now but I want them to remove the late marks as I was not aware and it did even more damage than I knew was even at stake
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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 2024-05-16
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: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Subject : Formal Complaint and Cease and Desist Order Against XXXX, Experian, and XXXX for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX, Experian, and XXXX for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in XXXX, Experian, and XXXX 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and XXXX, Experian, and XXXX continued to report the information. 

Furthermore, XXXX XXXX XXXX Bank unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX, Experian, and XXXX immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, Experian, and XXXX regarding their handling of my XXXX XXXX XXXX XXXX account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX