davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NV)

On XX/XX/2020, I received documents from PNC Bank in Pennsylvania with a debit card and account information about an account I did not authorize or request. On XX/XX/2020, I called PNC and spoke with a customer service representative who closed the account, at my request, and indicated that PNCs fraud department would be calling me, which they never did. I then proceeded to lock my credit with all three credit bureaus. 

This evening, XX/XX/2020, I received more documentation from PNC indicating that I have been overdrawn since XX/XX/2020. The amount of the withdrawal was {$50.00} and the overdraft fee is {$36.00}. 

I never authorized this account to be opened ; therefore, I never funded this account. I do not believe PNC did their due diligence in ascertaining there was no fraud being perpetrated at the time this account was fraudulently open, and I would appreciate your help in reversing these charges and any information to ensure my information is not fraudulently used again. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Consumer complaint received 2023-06-27
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: BMW Financial Services NA, LLC (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act BMW FIN SVC XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly s that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-06-05
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. (NC)

Hello I am XXXX XXXX XXXX, age XXXX XXXX NC. and am professionally employed in the XXXX XXXX XXXX XXXX industry for over 30 years and a resident of XXXX for 33 years. I am a homeowner with a mortgage for now 23 with stellar credit since at least XXXX per all 3 Bureaus. I check them often and even pay services to all 3! 

I tell you for very important reasons. On or around XX/XX/XXXX Equifax and them alone dropped my credit score over 101 points overnight ... while the other two went up 30 or so because I paid off a few credit card balances.. I was stunned. It took me over a week to figure out where the issue was hidden and I had to call Equifax. They had reported a deliquent Closed revolving account sent to a XXXX XXXX for a XXXX or XXXX XXXX XXXX of {$1000.00}. Well, I have never lived in XXXX, I called this collections agency thinking this was ID theft ... and they did say no one matched my name and SS #. I filed an online dispute and 30 days it was removed. 

i later found 3 Department of Education Loans In Default taken around XXXX!! I was horrified ... I have not been a student to take any loan with a federal program at that time. I graduated from college in XXXX! I complained to Equifax again on their terrific mistakes and disputed ... finally they removed 2 but not the 3rd!!! see below!! 

I called the number listed and this is a SCAM NUMBER ... it tries to sell you products. 

I have placed a lock and freeze on all 3 Bureau for me..But this is only Equifax and they will not speak to me about this. I need help as to why a scam situation is allowed to do this with Equifax and I pay them with their Premier Plan to monitor!! 

My rights do seem to be violated and my online dispute on the 3rd DOE dispute is more than 30 days! ... Can you please assist me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Overview Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification EDUCATIONAL Loan Type EDUCATION_LOAN Original Creditor Name XXXX XXXX Months Reviewed 54 Activity Designator Terms Frequency SINGLE_PAYMENT_LOAN Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit {$1100.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT For questions regarding this account please contact : US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from transunion or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 a charge appeared on my chase credit card from XXXX & XXXX XXXX, an electronics store in XXXX XXXX XXXX for {$850.00}. I live in California and have never shopped at XXXX & XXXX. I reported the charge as fraud and it was removed. 

Chase performed an investigation and deemed the charge not fraud and added it back to my account in XXXX. 

I contacted Chase and they said 1. The purchase was for a bunch of computer processors ( not something I have ever purchased ) 2. The purchase was shipped my home address 3. The purchase was signed for at my home by XXXX. The person who signed for the purchase used the name XXXX XXXX ( that is not my name ). 

Because the shipping address matched my address they said it was not fraud even though I did not order this item and I was not the person who signed for it. 

I contacted the merchant and they provided me the email address used to make the purchase ( and where the receipt was sent ). The email address was NOT my email. 

I have provided Chase with these details but they continue to believe the charge is not fraudulent.
Consumer complaint received 2024-02-25
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. (OH)

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my Transunion and XXXX report as this is hurting my score with fraudulent information. 

GREEN DOT BANK Balance {$57.00} Acct Number XXXX Date opened XX/XX/20XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX  XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I already have a complaint filed. The company, Penny Mac, specifically their VP called me on Tuesday, XX/XX/XXXX at roughly XXXX est, his name is XXXX XXXX. He indicated he knew about the complaint and blew it off and said, " we get these all the time ''. He also asked me not to file complaints with the CFPB and to only talk to him. I indicated I already tried that for 5 months and can not find resolution and that I will continue to file complaints until they get this done. 

I do not believe they should be indicating that complaints are common and that they happen all the time, but he should not be asking me to not work with you. 

He tried on several occasions during the call to turn the blame on me where I had to correct him. 

I also indicated to him that because of the banks XXXX up, a new appraisal had to be done and this cheated me out of roughly {$100.00} per month due a different appraisal amount impacting the PMI. In addition, I have been paying the old rate for an additional two months I should not have been.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I received a notice on XX/XX/XXXX that I had won a sweepstakes along with a check for {$12000.00}. The notice included the contact number of a claims agent ( XXXX ) and instructions to call. I called the agent ( XXXX XXXX ) who told me to deposit the check on Monday  and call him for further instructions. I checked on the issuer of the check which was a legitimate insurance company. I deposited the check on Monday  and it cleared the bank in four hours. I then called XXXX XXXX, who told me to purchase {$7800.00} in money orders and overnight them via XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX IN XXXX ; he would call me upon receipt of funds. On XX/XX/XXXX I received no call and became suspicious, so I contacted the bank. They informed me that the check had cleared, but that I should " keep an eye '' on my account if I had any concerns. 

That evening I checked my account and discovered the check had been returned. This morning I called the bank, which informed me that the reason for the return was " return to maker ''. This of course means that I have lost {$7800.00} in my own personal funds. I am upset that the bank did not advise a hold on the check or provide some other verification as to the legitimacy of this check. This lapse in vigilance and security was just enough to provide a window for the scammers to bilk me out of {$7800.00}.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple inaccurate changes and updates to credit report going to all three bureaus is causing unnecessary lowering of my credit score by XXXX XXXX ( XXXX ). I am requesting that my credit report from all three credit bureaus be reviewed by XXXX XXXX and updated correctly to the score that I had before the issue mentioned. My score should be re-evaluated to show XXXX.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

My original debt was with XXXX. I paid it upon completion of services 5 years ago. The debt of {$100.00} was added to my credit report 2 months ago under an entirely new company, Waypoint, that I have no agreement with. 
I don't owe this money to the original creditor or the contracted collection company.
Consumer complaint received 2021-04-09
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. (AL)

XXXX XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified collections on my consumer report which I have uploaded. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

REPEATED PHONE CALLS, UP TO 6 TIMES A DAY ON MY CELL PHONE. AFTER A MISSED CALL ON MY CELL PHONE, HE IMMEDIATELY CALLS MY WORK NUMBER. THIS ADDS UP TO 12 TELEPHONE CALLS WITHIN HOURS. 
HE HAS USED FOWL AND THREATENING LANGUAGE WHEN SPEAKING TO ME. 

THE COLLECTION IS FROM MY ELEMENTARY AND MIDDLE SCHOOL CHILDS STUDENT FEES. 

HE USES THREATENING AND BULLYING LANGUAGE WHEN SPEAKING IN REGARDS TO MY CHILDREN. 

DEBT COLLECTION IS CALLED XXXX. 


I HAVE ABSOLUTELY NO PROBLEMS TAKING CARE OF THESE PAYMENTS, AS IT WAS MORE OR LESS, JUST MISSED IN THE MIDST OF THE BUSY LIFE OF A WORKING MOTHER. 

I WOULD APPRECIATE THAT I BE SPOKEN TO RESPECTFULLY AND CALMLY AND I WILL HAPPILY ABLIGE. 

THIS IS NOT MY FIRST EXPERIENCE WITH THIS DEBT COLLECTOR. MY HUSBAND AND I RECEIVED HARRASSING CALLS FROM THIS COMPANY LAST YEAR. IT WAS FOR MY STEPSONS STUDENT FEES FROM THE HIGHSCHOOL. 

WE EXPERIENCED THE SAME THING LAST YEAR. HE CONSTANTLY CALLED MYSELF, MY HUSBAND, AND MY HUSBANDS EMPLOYER. WE ASKED THAT HE STOP CONTACTING HIS EMPLOYER AND HE DID NOT. HE CUSSED AND THREATENED THAT MY HUSBAND WAS GOING TO JAIL. HE THREATENED HIM AND HARRASSED EVEN AFTER WE SPOKE WITH SUPERVISOR. 

THIS WAS ALSO DURING A TIME WHEN MY HUSBAND WAS SICK WITH COVID AND BED RIDDEN. I ASKED THE MAN TO PLEASE STOP CALLING RIGHT NOW BECAUSE HE WAS SICK AND TOLD HIM THAT WE WOULD TAKE CARE OF THIS AT A LATER TIME. HE TOLD ME HE WOULD NOT STOP, HE TOLD ME THAT WE NEEDED TO TAKE CARE OF OUR CHILDREN. EVEN AFTER WE PAID THIS DEBT IN FULL, HE CONTINUED TO CALL HIM. I HAD TO CALL THEM AGAIN AFTERWARDS AND SPEAK TO THE SUPERVISOR AGAIN TO TELL HER TO REMOVE OUR INFORMATION BECAUSE THIS HAS BEEN PAID IN FULL AND HE IS STILL CALLING US TELLING US THAT IT ISNT.
Consumer complaint received 2023-03-26
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. (OH)

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, equifax, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX  - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX - acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX
Consumer complaint received 2021-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

the problem listed on the prior webpage is the same as mine ... paid forever and many fees added -- owe more now than ever ... My loans were sold to a private institution ( preventing me from ability to receive forgiveness -- without my knowledge or consent ). 
I have worked as a XXXX XXXX XXXX, as a XXXX in a State University ( XXXX ), and as a XXXX XXXX XXXX -- for a cumulative total of over 15 years ... No forgiveness me though ( guess I am too XXXX and a male or something like that ) and I owe more now than I originally did -- despite 15 years+ in payments -- very discouraging! I believe I have paid interest now totaling approximately {$45000.00} and owe more today than I originally took out in loans... 
Doubt you will help! Keep making that money... 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

Either Rooms to Go has been hacked or the company has a glitch in its system. I have had a Rooms to Go Store Card for about five years and has not used it for over a year. I can not log into my account nor can anyone at Rooms to Go assist with the problem. After speaking with Synchrony Bank and an update in address, I was able to make two purchases online about a week and a half, but Rooms to Go has no record of the purchases. However, Synchrony Bank has a record stating that one purchase is pending in which customer service placed a dispute to suspend the purchase. When I try to contact ( 1 hr hold time ) Rooms to Go, I am met with great rudeness and unprofessionalism, specifically, when requesting to speak with a supervisor. When I try to log into my account the transaction spins in outer space. No one seems to know how to fix the problem at Rooms to Go, and this non-action is preventing access to my {$1000.00} line of credit. No one knows what happened to the second purchase where I had to pay {$88.00} upfront due to credit limit with XXXX.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX   XXXX  Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For EXPERIAN 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.