vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This letter is to formally express my dissatisfaction with the current interest rate ( APR ) on my PNC Credit Card account. The current APR is extremely high, resulting in a minimum monthly payment of approximately {$520.00}, while the interest accrued each month is generally around {$300.00}. 

Given the current economic climate of high inflation and rising costs of living, this minimum payment poses a significant financial hardship. My recent unemployment for six months has further exacerbated this situation.

I have previously contacted PNC Bank regarding this issue and requested a review of my APR or the possibility of a hardship arrangement. Unfortunately, my request was denied without any explanation or alternative solutions offered. 

I believe the current APR on my account is excessive and unsustainable, particularly in light of my recent financial challenges. I kindly request that PNC Bank reconsider my situation and explore potential solutions, such as : A reduction in the APR : This would significantly lower the monthly interest charges and make the minimum payments more manageable. 
A temporary reduction in the minimum payment : This would provide some financial relief during this difficult period. 
A hardship plan : This could involve a temporary modification of payment terms to accommodate my current financial situation. 
I am confident that a mutually beneficial solution can be reached. I have been a loyal PNC Bank customer for over 15 years, and I value my relationship with the bank. I kindly request that you review my account and contact me. 

Thank you for your time and attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
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.
State: FL

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe XXXX XXXX is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : XXXX XXXX credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In your resolution letter you stated i was told to come in the physical branch because there was a line in the drive through. That's a lie. You also stated i never mentioned my mental illness and I was happy to come into the branch. That's a lie. Pull the video feed for the day i previously stated this incident happened on. You have absolutely refused any more work on this case wich leads me to think that either the government oversight is not a real thing or that wells fargo takes it as a joke thinking they are to big an institution to recurve any real push back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my account, as I believe this information to be inaccurate. The FCRA mandates that all data furnished to credit reporting agencies must meet stringent standards of accuracy and verifiability. 

I respectfully request that the creditor or data furnisher conduct a thorough investigation into this matter and provide concrete evidence substantiating the claim of a late payment. In the absence of such verifiable evidence, I urge that the disputed information be promptly corrected or removed from my credit report in compliance with the provisions of the FCRA. 

This issue is of significant concern, as inaccurate reporting has far-reaching implications on creditworthiness, and I trust that due diligence will be exercised to ensure adherence to the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Its for accounts ending XXXX and XXXX for now. First I sent a negotiable instrument to the address they have on their credit agreement for negotiable instruments and instead of processing the payment they kept my negotiable instruments and never sent them back but still closed my accounts and now charged them off. And since they were charged off I should have received a warning before they did that which I didnt and that sounds like adverse action against me. 
The laws state they cant take adverse action. On top of all of that they didnt offer arbitration. 
Being a charged off account which means they took it as a loss even though they stole my negotiable instruments which means they profited off of it but didnt give me anything in return, which makes me think they are double dipping. 
Once charged off I should receive a 1099-c which I have not.

They have also been reporting payments as late which according to 15 usc 1666B no payments shall be considered late when dealing with an open ended credit as well as 15 usc 1681a 2 exclusions which states they arent supposed to report transactions and as far as Im concerned payment history is transaction history and shouldnt be reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Account opened XXXX XXXX {$810.00} open balance Placed on collections Credit systems int inc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The lack of evidence to support this account 's reliability and the spread of unverified information clearly violate the requirements of 15 USC 1681i ( 7 ). This non-compliance is both concerning and frustrating, given the importance of following legal obligations.

I urge the immediate removal of this account under the specified regulations unless verifiable evidence is provided to confirm its authenticity. Delaying action only adds to the frustration caused by the failure to adhere to regulatory standards and ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my account, as I believe this information to be inaccurate. The FCRA mandates that all data furnished to credit reporting agencies must meet stringent standards of accuracy and verifiability. 

I respectfully request that the creditor or data furnisher conduct a thorough investigation into this matter and provide concrete evidence substantiating the claim of a late payment. In the absence of such verifiable evidence, I urge that the disputed information be promptly corrected or removed from my credit report in compliance with the provisions of the FCRA. 

This issue is of significant concern, as inaccurate reporting has far-reaching implications on creditworthiness, and I trust that due diligence will be exercised to ensure adherence to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.15 U.S.Code 1692a315 U.S.Code 1692ca15 U.S. Code 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.15 U.S.Code 1692a315 U.S.Code 1692ca15 U.S. Code 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a purchase of a XXXX  on XX/XX/2024, for {$3100.00}. I retuned it days later with return label seller from XXXX gave me. Seller refused to give me a refund after accepting it. So I filed a dispute and seller won. How I dont know I provided proof of return video footage and description from ups. XXXX lost package so seller never received. So he wont give me my money back saying the weight was wrong because it was too large to lift on scale. Amex wont give me money back and sided with XXXX seller snd now XXXX out over XXXX for something I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Received letter dated XX/XX/year> advising my " wind '' insurance expired XX/XX/year>. The letter stated Mr. Cooper will " force '' me to acquire " wind '' insurance which is not required in Colorado. I didn't even know I had this type of insurance and is not noted on my policy. There is NO mandate in Colorado to have this. I have read multiple reviews on this company and they are " shady '' at best. The letter didn't have a time as to when I need to acquire this insurance. We don't have HURRICANES in Colorado. I want to know what recourse I have to avoid this requirement. This is the 3rd time this company has stiff armed me regarding insurance. They're also responsible for " ILLEGAL '' foreclosures and I can't believe these companies still exist. I HONESTLY BELIEVE I'M BEING SCAMMED FOR MORE MONEY!!! How do I prevent being forced to get the " wind '' insurance? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Lexington suppose to have helped fix my credit. They were paid a substantial amount of money and didnt do not XXXX thing to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting 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.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit EQUIFAX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I made several payments to them to clear up my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.15 U.S.Code 1692a315 U.S.Code 1692ca15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A hard inquiry was put on my account on XX/XX/XXXX by CITIBANK NA., BEST B XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Based on my research, I believe someone stole my identity and attempted to open a Best Buy credit card. I have previously had problems with someone trying to purchase things through my Best Buy account, but believed I solved the problem years ago. To be clear though, I do NOT have a Best Buy credit card so any line of credit to Best Buy is fraudulent and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief