davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (CA)

Date of Loan financed - XX/XX/2023 Amount - {$990000.00} Check issued for payoff - {$500000.00} I got a Line of credit from PNC on XXXX XXXX  XXXX XXXX to payoff a line of credit from XXXX to which the XXXX XXXX returned the check with the reason the check issues by PNC is in excess of XXXX USD compared to my balance with XXXX XXXX ( Looks like this is an internal policy of XXXX XXXX ). 

I requested PNC to cancel the check and reissue it to XXXX XXXX with a lower amount. It is almost 15+ days and PNC has not reissued the check to XXXX XXXX. I am paying interest to both the bank for the same money, I have lost XXXX USD in this delay from PNC XXXX 

I made call 10+ times to the Loan officer and it always goes to his voicemail and emailed me 15+ times asking him to provide me some update and almost no response from the loan officer. I have not seen such a rude behavior from any loan processing officer in the past. I am just loosing money every day as paying interest to two banks for the same money. 

I really want PNC to reissue a check ASAP to XXXX XXXX so that my loan can payoff and I stop paying interest to two bank. 

I also really want PNC to perform an investigation against the loan officer for such an erratic behavior. 

I also really want PNC bank to stop charging me interest until the money is actually transferred to XXXX XXXX.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} DENEFITSLL XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XXXX 2023, i uploaded the required documents to add a bank account to transfer money in Venmo to my bank via chatting with XXXX XXXX ( a Venmo chat representative ). 

On XXXX 2023, Venmo email me that my account is suspended. 
I replied to that email and did what the email said and Venmo did not respond at all by email or call. 

On XXXX, I decided I wait enough already and chat with Venmo rep and no help provided to solve the suspended account. I asked for a reason why my account is suspended and no reason provided. 
I called, email, chat and no help from venmo to solve this accound suspended. 
I can not close account either. 

I need help transfer the {$30.00} out of the Venmo account to my bank or Venmo can send me a {$30.00} check. 

This is a simple problem that can be solve quickly. 

thank XXXX XXXX phone XXXX email XXXX XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

RE : Your Reference Number XXXX, Acct Number XXXX, reference number XXXX This collection agency is attempting to collect an alleged debt. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date, I have not received this information.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy reported on my credit file, referenced as XXXX  XXXX Bankruptcy-dismissed ( Reference : XXXX ), is inaccurate and misleading. There has never been a valid case, trial, or judgment associated with this report. No judgment was rendered, indicating there was never a legitimate case. It is baffling how such erroneous information is being reported.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello, the XXXX quoted the credit report score at XXXX, this, with two collections and a ( n ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the XXXX, Equifax and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! XXXX XXXX XXXX XXXX XXXX XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

I recently pulled a copy of my consumer report and I noticed inquiries that I did not authorize. 


The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : Firm offer of credit Insurance Court order Employment These inquiries does not have a permissible purpose they are not attached to an account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report. Please remove the listed inquiries from my consumer report they were not authorized.
Consumer complaint received 2023-02-28
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DP OF EDUC Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-30
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. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-02-28
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. (GA)

in XXXX a company by the name of XXXX XXXX appeared on my report. After reviewing the report it was found that I had no knowledge of this company. When reaching out to the company in XXXX, they removed the error from my report, however I am seeking remedy from the bureaus as they did not verify this information for accuracy which is a violation of the FDCPA and the FCRA and caused defamation of character by stating I had a rental debt and I did not. This caused me to be denied to rent places.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

During separation, the XXXX XXXX XXXX that I co-signed for was left in my possession XXXX XXXX My Husband ( XXXX XXXX XXXX filed for XXXX XXXX XXXX that listed the XXXX during our divorce- XX/XX/XXXX Total Loss date of XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX pymt of {$16000.00} to XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was approved XXXX  XXXX XXXX balance that can not be pd off is {$8200.00} - XX/XX/XXXX Divorce finalized - XX/XX/XXXX Contacted XXXX XXXX XXXX XXXX to dispute `XXXX open '' status & pay $ XXXX balance which I was informed Im not allowed to- XX/XX/XXXX Contacted CFPB to file a complaint - XX/XX/XXXX CFPB closed case with no resolution - XX/XX/XXXX XXXX XXXX  reported to credit Agencies a new balance of {$22.00}, XXXX - XX/XX/XXXX Submitted XXXX XXXXXXXX Credit Dispute - XX/XX/XXXX XXXX XXXX says no new information was reported to Credit Bureaus ; however every time I dispute that update report with that new date - XX/XX/XXXX XXXX XXXX says the account is just reflecting the last information that was received prior to XXXX and no payment can be made or no new information is being reported to Credit Bureaus ; however XXXX the credit report copy, I attached shows the last payment received is the date my husband submitted his XXXX that wasn't even approved yet. Furthermore, since I continuously called XXXX XXXX and filed disputes through my credit agencies, XXXX XXXX has now reported that my balance owed is {$22.00}, XXXX as of XX/XX/XXXX, and that I am 60 days past due since XX/XX/XXXX. I do not understand how this information is accurate and being reflected or reported correctly. I am in the process of buying a house and because of this one inaccurate update that plummeted my credit score, I am now ineligible for VA Loan. I've been working tirelessly to repair my credit after my divorce and this ongoing issue is incredibly difficult being a XXXX XXXX XXXXXXXX veteran I am very limited in what I can do to fix this.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (OH)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 7 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The CBE Group, Inc. (TX)

Hello my name is XXXX XXXX XXXX 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 USC1681 has violated my rights.

15 USC1681 SECT 604it also states a consumer reporting agency can not furnishan acct w/o my written instructions 15 USC1681c ( 5 ) No consumer reporting agency any of the following other than records of convictions of crimes for more than7yrs.

15 USC 16815-2 ( a ) 1 a person shall not furnishany info to a consumer credit agency.if the person has reasonable cause to believe info is inaccurate. 
CBE group {$910.00} acct # XXXX XXXX XXXX  {$940.00} acct XXXX
Consumer complaint received 2023-02-17
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. (MI)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-03-14
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-17
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account XXXX XXXX XXXX : {$3000.00}. XXXX XXXX XXXX : {$2900.00}
Consumer complaint received 2019-12-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DE)

Last year my wages were garnished until I was advised that I could consolidate my student loans and do a income repayment plan. I submitted the documents twice this year and each time the monthly payment has not been reduced. I have a household of 3 people with a rent payment of {$1500.00} not including utilities. I can not afford {$320.00} a month not on my income. 
I am still being asked to pay this large payment even after I submitted the documets for the second time with the same info that I provided with the first request. 
The credit bureaus report that I have all these different loans first with XXXX and now with Navient but if the student loans were consolidated then why is it showing I have numerous accounts. Its for the same thing.
Consumer complaint received 2019-11-19
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)

Equifax ; XXXX  and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX  XXXX  account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are incorrect, and it's causing me some unease.