davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A. (MD)

I feel that PNC bank has racially discriminated against me. Please note, during this tefinance process I had an in person meeting with my loan officer XXXX XXXX and employee XXXX XXXX on about XXXXXXXX XXXX,2023 at which time I complete and sign additional loan documents. Although my loan process began XXXX XXXX, 2023 I originally request loan in about of {$10000.00} to do home repairs on 2nd home in which I own outright. PNC loan officer suggested home equity loan XXXX amot XXXX in which I agreed. I also had my son XXXX XXXX as a cosigner. This loan process began in XX/XX/2023 and despite being told on multiple occasions by loan officer that I would be approved, I was sent a denial XXXX XXXX XXXX2023 for FHA, but the loan processing was still on going no until XXXXXXXX XXXX,2023 did I get another denial. During the loan process PNC began to ask for multiple documents in, PNC required that I pay the XXXX mortgage once they received payoff quote in XXXX, my cosigner vehicle was totaled via hit and run, despite the lender confirming loan paid in full PNC required that get a letter from auto insurance company to also confirm loan paid by insurance company. PNC then required my retiree program confirm that my pension is effective for at least next 3 yrs. I was constantly asked obtain extraordinary amounts data. I was even asked during the " 2nd week of XXXX 2023 '' about a {$430.00} payment made from my checking account during XXXX 2023 which was for health insurance XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were PNC employees that were involed in this matter. I have filed a discrimination complaint and was contact by XXXX XXXX of PNC executive office who that passed my concerns to XXXX. I have requested a refund of my {$660.00} appraisal fee and resoultion.in the way I was treated. On Friday XXXX XXXX, 2023 XXXX advised PNC would not provide refund, Also, I have not received a copy of my invoice.Leanne did not offer any resolution and would only say that " she couldn't discuss outcome in possible disciplinary measures against employees for privacy reasons '. I advised XXXX that " my focus is on why I was misled, for so long and assured that my loan would be approved? XXXX would not address any of my core issues .I have many emails and text messages to support my claim. NOTE : PNC claims debt ratio is reason for denial, yet no new debt was incurred, also my consignor had as mentioned car paid off via insurance and pay increase. I brought that to loan officer attention, her only response was that it wouldn't matter '' and that PNC made an error and miscalculated my property taxes causing debt ratio issue.
Consumer complaint received 2024-07-10
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act, the following list of accounts have collectively and individually violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (CA)

I have a collection from XXXXXXXX XXXX XXXXXXXX which is from a gym membership that I have no service with!!!! I have been calling the gym ( XXXX ) and they have said they were unable to pull up my account because a Debt collection agency now has the account. I have talked to the agency that I have never use that gym before and they are unable to fix anything now Im being tormented by calls and my credit score has dropped significantly.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$670.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I do now know this account and am formally requesting the original signed contracts between myself and the company showing that I am liable for the debt on this account or that it be immediately and permanently removed from my credit report.
Consumer complaint received 2024-06-12
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-10
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)

I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-12
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. (IN)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-13
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. (GA)

The person, XXXX, Trans Union LLC, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Consumer complaint received 2024-07-10
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)

Despite my previous 3 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 3 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after three written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Re : Dispute of Inaccurate Account Reporting by XXXX  XXXX Dear Experian Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Experian, specifically regarding the reporting of an account by XXXX  XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per Experian : XX/XX/2021 Opening Date as per XXXX XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Experian, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-06-12
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-11-07
Product: Credit 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: DISCOVER BANK (FL)

I have been a discover card member since XXXX without issue. 

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my card at XXXX XXXX XXXX XXXX XXXX XXXX. I have never purchased anything from XXXX XXXX XXXX. I noticed these on XX/XX/XXXX and called Discover right away to alert them to the fraud. The day after I alerted discover ( XX/XX/XXXX ), 4 more fraudulent charges came in from XXXX XXXX XXXX. The following day ( XX/XX/XXXX ), 4 more fraudulent charges came in ( again! ) from XXXX XXXX XXXX. I called discover again on XX/XX/XXXX inquiring why they are continuing to allow these charges to come in. They said that they made an error processing the original fraud alert. I requested to speak to a supervisor. They indicated a supervisor would call back within 24-48 hours. A supervisor never returned my call. I called back on XX/XX/XXXX to speak to a supervisor again. Again I was told 24-48 hours. Nobody returned my call. I called back on XX/XX/XXXX. Again, I was told 24-48 hours. Again, nobody returned my call. 

It appears that Discover has still not opened an investigation into this matter. Nobody returns my calls and I have no way of knowing what is going on with my account. To prevent further fraudulent charges from XXXX XXXX XXXX, I was forced to close my discover card on XX/XX/XXXX. 

I am very disheartened to see that discover does not investigate fraudulent purchases.
Consumer complaint received 2019-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I applied for a loan with my bank Fifth Third Bank for {$800.00}. They advised to pay in 45 days. I applied XX/XX/XXXX. I waited 3 weeks to get a check from my job. Today was the first. My check was {$860.00}. They withdrew {$820.00}. I had everything scheduled to pay my bills. My daughter birthday is next week. I had ever intention on paying, due to wanting another loan, want to keep my credit good, and a great history with my bank for 2 years. I spoke with a rep. He advised I would only need to pay on the XXXX if XXXX. Never advised of anything else. When my money was withdrawn today I called and spoke with a supervisor. She said she will coach the rep for not informing me of being able to withdraw at any time. Please help. Loyal customer. Thanks for your assistance.
Consumer complaint received 2024-07-09
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XX/XX/year>
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (GA)

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * Credit Control LLC is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. Credit Control LLC, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, Credit Control LLC whether it be verbal, nonverbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states 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 non-disclosure option. Credit Control never informed me of my right to exercise my non disclosure. XXXX XXXX XXXX  are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2024, I began the dispute process with the credit agencies XXXX XXXX, and equifax for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with XXXX to XXXX hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within XXXX to XXXX hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with specialist ( Equifax, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call XXXX  and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XXXX XXXX, XXXX XXXXXXXX and XXXX representatives and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX 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 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 XXXXXXXX i will be filing form XXXX XXXX  XXXX forms to audit consumers account. 
EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.