davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NY)

On or before XX/XX/2XXXX XXXXXXXX XXXX XXXX XXXX, DBA chairman, president, and chief executive officer of PNC FINANCIAL SERVICES GROUP was sent a Notarized affidavit with certified mail # XXXX XXXX XXXX XXXX XXXX making him aware that he and PNC BANK furnished on my personal consumer report, inaccurate and incorrect information to all credit reporting agencies. Pursuant to 15 U.S. CODE 1681S-2, as a furnisher XXXX XXXX & PNC BANK have a duty to provide ACCURATE INFROMATION. 

XXXX XXXX & PNC BANK IS REPORTING " GROSS OR ORDINARY INCOME '' on my personal consumer report. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on consumers reports, which makes the reporting of a charge off inaccurate.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

On XX/XX/2019 I went to a XXXX XXXX ATM to withdraws {$20.00}, and was charged {$3.00}, these ATMs are free and do not charge {$3.00} fees to split with banks or credit union users, this made my account less than {$3.00} in the negative. PNC has charged overdraft fees of {$72.00} Do fat. Please fix this, add me in any lawsuits formal or informal?
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to you because there is a mistake on my credit report about XXXX XXXX account. I found out that there is an account in my name, but I never opened it. 

I have also heard that there is a class action lawsuit about these kinds of problems with XXXX XXXX accounts. I want to make sure that this account is removed from my credit report because it is not mine. 

This fraudulent account has caused me to be declined job opportunities and credit accounts and it does not belong to me. I would like you to remove the fraudulent account from my credit file. If you need any more information, please let me know. Thank you very much for your help.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I just recently looked at my credit report XXXX and I saw some inquiries that did not have a permissible purpose, I also attached evidence Name : Transunion Date : XX/XX/year> These inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

At XXXX XXXX XX/XX/XXXX a company who the caller ID says is Convergent called for my brother. I am his guardian. He is a XXXX XXXX handicapped man who lives in a group home. I explained this along with the concept if someone was XXXX enough to loan him money they deserved to lose it but any money he owed would be over 8 years old and to not call again as he was not ever going to be here. At XXXX they called again and it was the same agent I had just spoken to. Not going to put up with this.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (KY)

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 this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXXXXXX Balance : {$27000.00}.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

For the last three months, our mortgage lender is applying our monthly payments to escrow in error. This is 100 % their error. Each month we call and speak with them. After a few weeks it is resolved. However it did hit our credit because it was showing as being delinquent on our payments for 3 months. Ditech has been completely inept in handling this situation and it continues every month.
Consumer complaint received 2024-06-10
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. (MI)

XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under XXXX XXXX XXXX. 
Account name : [ XXXX XXXX CO # XXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certified Credit Reporting, Inc. (TX)

I have to refile this complaint to XXXX XXXX XXXX because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Consumer complaint received 2024-06-10
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)

There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Fraud happened on my account. I think someone stole my debit card number and used it to steal money from me. As soon as I noticed it, I called bank and reported it. I told them I still had my card that I did not lose my card. I told them I believe that someone stole my debit card numbers. After their 7day investigation I was told I would not get my money that was stolen back and that it was not fraud because I still had my card and because I knew where the charge was. I knew where the charge was because it is listed on the item description of what the card was used for! The date of these charges was XX/XX/XXXX. It was 2 charges. {$460.00} and XXXX. I can not believe that they would think I magically went from Indiana to Wisconsin and made these purchases! I have never been to Wisconsin! My money should be protected from people stealing my card number!
Consumer complaint received 2024-06-10
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. (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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 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 that the information is inaccurate.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VT)

See complaint attached. AMEX told me that I had to call and speak to The XXXX in order to have my APR/Interest rate lowered. I endured having to speak to that thing in mid-XXXX to late XXXX, after numerous attempts trying to get ahold of her for or her back up via phone for over a week. When we finally spoke on the phone, she talked over me and wouldn't let me get a word in. However, she did say she would apply the lower APR/interest rate to my account. She did not apply the lower interest rate to my account - which she claimed she would if I called and wasted my life talking to her via phone. This is contrary to what AMEX represented in their answer to my previous CFPB complaint. 
When I checked my account today, my APR/Interest rate was still over 24 %, and not the lower APR of 14 % I was promised if I called. 

I'm not calling again.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (NV)

Experian/Clarity/XXXX  on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ XXXX
Consumer complaint received 2024-06-10
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. (MD)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (CA)

XXXX emails received so far, claiming to collect a debt I have never heard of. I have never had an account with XXXXXXXX XXXX XXXXXXXX XXXX, nor have I ever lived in XXXX 
The first email I received from Halsted Financial Services came to my email address but mentioned the name " XXXX XXXX '' which led me to believe this was spam/phishing. I was surprised to keep receiving these, repeatedly claiming I owe over {$800.00} for a debt I have never heard of before!!!!
Consumer complaint received 2024-06-10
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-10
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. (FL)

Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX XXXXXXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement. 
15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information.

15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX XXXX must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision.

Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my chapter 7 bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION (CA)

In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to Truist ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX ) and paying taxes via XXXX escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to Truist and XXXX, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from Truist and XXXX with getting to the bottom of this is. Truist and XXXX blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

I attended XXXXXX/XX/XXXX from XXXX. I secured a student loan for {$9000.00}. I consolidated my loans in XX/XX/XXXX with XX/XX/XXXXat a rate of 8 % compounded annually -annually! I have paid over {$40000.00} towards a {$9000.00} debt. I still owe {$70000.00}. My pay off amount is {$100000.00}. This is extortion, in my opinion. How can this be right? How can this be legal?
Consumer complaint received 2024-06-10
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 have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX Bank Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account Has been paid in full, XXXX XXXX refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.