davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (TX)

LoanCare XXXX was my mortgage servicer. Both my wife and I were laid off in XXXX and XX/XX/2023. We asked Loancare for Forbearance. After a battle with the front line team the department manager XXXX XXXX agreed and suppressed the credit reporting. The agreement was that at the end of the 3 months the interest and principle payments the were part of forbearance would be deferred to the end of the loan and escrow would be added to my payments spread over 4 years. 

Toward the end of that period I received notice that my loan was going to be transferred to XXXX XXXX. I communicated with XXXX XXXX and he assured me that the deferment would be completed before the loan was transferred so that my account would be current and not on forbearance with XXXX. They lied. 

Now XXXX shows me as XXXX+ months overdue! This risks my credit and financial stability. All of this happened over the course of dozens of emails, phone calls and messages to LoanCare executives through XXXX. 

These are deceptive trade practices and flagrant falsifications of information and failures to perform the basic tasks promised and agreed to.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

At approximately XXXX hrs on Saturday, XX/XX/2023 I went into the vestibule ATM of the PNC Bank located at XXXX XXXX XXXX. XXXX XXXX, MD. XXXX to make a {$800.00} cash deposit using my XXXX Atm card. I inserted my XXXX Atm card, entered my PIN per usual and machine prompts. The machine then asked me what I wanted to do, I pressed make a deposit. It prompted me to insert my 8- {$100.00} bills. It counted them and displayed the message " would you like to deposit {$800.00} '' in XXXX bills. I confirmed yes. The machine counted the money, made a few noises-what sounded like it depositing my cash into its safe. The machine then displays " sorry we are unable to process your transaction, please take your card ''. I followed directions and took my card. The machine then went back to " normal '' screen meaning it was ready for a new transaction. The machine gave me no receipt, did not credit my checking account for {$800.00} deposit, and did not give me the option to have my money back. If I did this to the ATM I would be in jail, but for some reason PNC has kept my money for 2 weeks and seems complacent in the fact that their machine has defrauded me. Please help me!! I reported immediately to PNC per the ATM machines XXXX help number and they said they could not help me since it was outside of normal business hours. I went to the bank when they opened the following monday and made a complaint to the manager. He informed me that PNC does not service their own ATM 's but not to worry they would find the unallocated funds. He has not responded to my calls. I stopped in the bank again this Saturday, 2 weeks later now, and he said the same thing... .he hasn't heard from the ATM company regarding any unallocated funds and for me to be patient. XXXX XXXX  can not help me either they claim it is up to the ATM owner to resolve the issue and they simply noted my complaint and let me go with no resolution, just a sorry this is happening to you!!
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (LA)

Santander took and sold my car against my will in XXXX. I've reached out several times to see who it was sold to and how much it was sold for. I've never received the proper disclosures pursuant 16 cfr 433.1. I do not agree.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (NJ)

While checking my most recent recent Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies, XXXX XXXX XXXX XX/XX/22, XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX ( XXXX entries ), XXXX  XXXX  Ser XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21XXXX XXXX XX/XX/22. I didn't authorize any employee by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Also, I spoke with a specialist of Experian by the name of XXXX XXXX who claimed she works my account and she did not attempt to resolve my issue and was impractical and unhelpful. I request that another employee is to work on my file because my experience with this individual was un-constructive as she was unwilling to remove these unauthorized inquiries. This is affecting my credit score and my quality of life. Lastly, I have filed a police report with the XXXX XXXX XXXX  Police, Case # XXXX, Incident # XXXX in regards to this matter. 
Please advise.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (NY)

I have an existing line of credit account that I've had at PNC bank since XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XX/XX/XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( s ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case Manager yesterday XX/XX/XXXX who demanded to know " what I wanted. '' I also told the Case Manager I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me.
Consumer complaint received 2023-09-19
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. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XX/XX/2023 payment {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-06-03
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. (CA)

While checking my personal credit report, which I acquired XXXX, TransUnion, XXXX. I noticed an unauthorized inquiry made by your company XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX through my online banking portal, I requested that {$5000.00} be transferred on XX/XX/XXXX from my Barclays Savings account to my XXXX  Checking account. I received an email confirmation of this request ( attached below ) and on XX/XX/XXXX, {$5000.00} was debited from my Barclays savings account. However, it was never credited to my XXXX checking account. Instead on XX/XX/XXXX Barclays initiated a transfer FROM my XXXX checking account of {$5000.00}. I was out of the country without access to the internet until XX/XX/XXXX. Upon my return, I discovered the problem. I contacted Barclays bank on XX/XX/1919 and XXXX and was told each time that they made an " urgent '' request to research what happened. Barclays has removed a total of {$10000.00} from two of my bank accounts and they don't appear to know what happened to the money. I still don't have access to that money and it has been 12 days since the first debit from my account occurred. I have made 7 calls to the customer service line and they have refused to allow me to speak to a manager. I have been told three days in a row that someone would call me and they have not.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (NV)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (NJ)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX  ) regarding a charge-off that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the charge-off remains on my credit report, causing significant harm to my creditworthiness.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.
Consumer complaint received 2024-03-19
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. (IN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We were victims of identity theft. XXXX XXXX of our savings accounts were drained from someone adding an external account in my name and connecting them to our USAA savings accounts. On XXXX XX/XX/XXXX, we noticed a withdrawal of XXXX which was all we had in our savings. I notified the bank on XXXX XX/XX/XXXX that someone withdrew our XXXX. During the dates of XXXX XX/XX/XXXX someone made multiple deposits and withdrawals totaling a deficit of XXXX in one account and XXXX in the other. In total including the XXXX which was in our savings, we incurred a total loss of XXXX. I am not certain why USAA did not freeze the accounts like they froze us out of our accounts. Worst of all, USAA is holding me couplable. They have frozen our accounts to include our checking account which has all my direct deposits from my military pension, XXXX and civilian employment. Subsequently, we were forced to open a bank account outside of USAA. As a result, changes in our direct deposits will not take effect until the month of XXXX which will result in late payments for all of XXXX 's bills.
Consumer complaint received 2023-09-19
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited two checks into chase bank. they were my XXXX XXXX XXXX I have POA. 
as for he is XXXX. bothe Checks cleared and we're in account.. I was able to take out The one check {$1800.00} amount. 
Then they froze my account.. The Fraud department froze my account saying they needed third Party verification.. Wich is impossible because he is in jail I asked them to return the XXXX XXXX to the XXXX who issued the check This check is also {$1800.00}. They said No ... I asked them to send XXXX a Cashier 's check... They said No ... They said they were going to keep the money ... because they could not do the third party verification.. XXXX has had not had a cell phone or land line in years .. so even if he was not in XXXX.they could not do the verification ... also they closed My account... when I gave them the power of attorney they scanned it into my New account. 
Someone from the fraud department will not realease the money...
Consumer complaint received 2023-12-24
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

My money was stolen from my card I don't know how it who did it but I have seen on internet that this had happen more that once. I bought a XXXX gift card at a XXXX XXXX XXXX XXXX and my card was stolen not physically but somehow it was hacked into and was used all the way in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the first purchase was that a XXXX XXXX XXXX XXXX {$30.00} the second one was for a purchase of {$9.00} now how did this happen I got the card on XX/XX/XXXX and the card was used by XX/XX/XXXX and this gift card I was actually trying to purchase a gift for my friend I contacted the people at the prepaid gift card balance number and for some reason they told me to call back in 10 days and yet even still now there's no resolution for no refund and it's only {$40.00}
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-20
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: Auto Trakk, LLC (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 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