davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TN)

I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX Synchrony Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help me.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

To whom it may concern, My name is XXXX XXXX XXXX And my Husband name is XXXX XXXX Loan No. XXXX Address : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Our complaint is against the mortgage company XXXX, XXXX On XX/XX/2022 We have sent an insurance payment check for the amount of {$17000.00} To the loss draft department attached with the settlement letter. 
They should endorse the named check an returned to us. We had tried to get in contact with the processor or supervisor to help us with this matter. We'll appreciate your help. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, 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 the info is not accurate. ACCOUNT ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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: CITIBANK, N.A. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
CITI XXXX Date Opened : XX/XX/ Balance : {$20000.00}
Consumer complaint received 2018-03-22
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. (CA)

Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NC)

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

I opened a business bank account with PNC on XX/XX/2023. 

When I was in the process of opening my account, I had to deal with three different individuals in order to complete the process. Two of them were in the office with me and at one point there was a sales person on the phone whom I had to speak to as well. These individuals sold me a UPIC that would attach to my bank and told me that I would be able to take this UPIC to any bank in the future if I decided to leave PNC. 

Fast-forward a year, and I've had so many problems with PNC I decided it was time to leave. It takes nearly 6 months to resolve any sort of dispute, while other places I bank at only take 30 days max. Most of the time resolving them within 10 business days. But nope not PNC.I 'm still waiting on a XXXX transaction to be disputed properly as money was sent to someone I don't even know and yet PNC has done nothing to help me get my money back. 

Because of all of this, I tried numerous times to reach out to their Treasury department to figure out how I can transfer my UPIC and every person I've called ( I'm sure they will have the recordings ) told me that it can't be done. 

FInally, I was able to reach the sales lady, XXXX XXXX who sold me the UPIC and she informed me that I would need to reach out to the third party that manages them in order to transfer it. Now, the problem is that that third party is NEVER AVAILABLE TO SPEAK TO. You can't get a hold of them whatsoever, and no one at PNC seems to be taking responsibility for this. 

I paid for something that I have zero way to manage and was given the impression that it was easy to use and easy to switch banks with if needed. This is not true.

I believe that if you are going to sell me a product you should have all of the information necessary to manage it, and you should inform all of your employees how to use it. It's common sense. But no, not for PNC. They completely misrepresented the product in order to get me to purchase it and have an account with them.

They've been impossible to communicate with as they only want to meet with me in person or on the phone where I have no control over what's being said and this is again, not ok!

I want my disputes resolved properly and I want out of this bank. I am looking into suing for all of the emotional distress this has put me under as well as misrepresentation
Consumer complaint received 2023-01-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (DE)

I have an auto loan from PNC BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PNC BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PNC BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX transunion and XXXX are reporting late payments from XXXX  on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX ACCT # XXXX, XXXX XXXX  - XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, US DEPT OF EDXXXX ACCT # XXXX, DEPT OF EDUCATION/XXXX  ACCT # XXXX 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 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that AFFIRM absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Thank you for your cooperation. 
Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (CA)

Equifax and XXXX XXXX continue to report inaccurate wrong? fraudulent information to my consumer reports. I've reach out to the directly to explain and attempting to correct the error. However I continue to get the run around and my issues continue to fall on deaf ears. The Following accounts are a result of ID Theft or inaccurate reporting : XXXX. XXXX XXXX XXXX ending in XXXX was paid in full. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX  XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX XXXX XXXX XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX XXXX ending XXXX is a result of fraud/ ID Theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX ending XXXX is a result of fraud / ID theft. 
XXXX XXXX ending XXXX is a result of fraud/ ID theft. 
XXXX. XXXX XXXX ending XXXX is a result of fraud / ID theft.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I owned a BJ master card for a long time, and all of a sudden it sold to Capital One. 
Now while I hadn't received my card yet, I start receiving call from Capital one to ask my provide ID, SSN, address verification. 

I submitted all the information and after two weeks they get back to me said my address is not matching the address on profile. 

In which I told the representative that the address on their profile is a business address, where I don't have personal name on the utility or bank statement. I was asking them if I can provide my other credit card statement with my name and address, they said no. 

Then I ask if I can use a bank letter with my name, business address, business name on it along with my business bank statement include business name and address to do the verification, and they simply said no.