davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

Under 15 USC 1681. 
Account name : WELLS FARGO XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf after any re-investigation 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 ( i ) 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 re-investigation; and ( ii ) 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. REMOVE THE ACCOUNT 24hr or Next step Arbitration for damages.
Consumer complaint received 2023-12-08
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. (CA)

I have asked nicely on XX/XX/2023 Transunion to provide real documentation that the data furnisher provided to Transunion that verifies that those account belong to me. I require the signed original contract, the annual privacy notices, the opt out notice of non public information being shared> the right to opt out notice written by me. Till this day Transunion just steps allover my consumer rights as they please. Transunion and the data Furnishers are both in collusion with each other this make them liable under section section 623 FCRA violation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (KY)

Nelnet managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to Register with XXXX XXXX via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized XXXX XXXX in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with TransUnion, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of TransUnion when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas TransUnion has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX
Consumer complaint received 2024-05-27
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

On Friday XX/XX/24, my PNC Bank had allowed my debit card payment of {$620.00} to XXXX XXXX XXXX which I did not approved of and I didn't know what this charge was about and I also was signed up for alert and this never happened. Immediately on Friday XX/XX/24 the same day I contacted XXXX XXXX to speak to a customer service agent XXXX, I mention to her regarding this charge and what is it for ... ..she advised me right away that there is no charge in their system for this amount and no purchases and they did not request the payment. Then I immediately contacted the PNC Bank located in XXXX, spoke to a customer service and advised them of this situation, she advised that they could not do anything as it was showing pending and as soon the pending is off, then I can dispute it. This customer service also made an appointment for a PNC Banker to contact me on Saturday XX/XX/24 at XXXX and it did not happen. Folks, my bank allowed this charge to go through without my permission when I signed up for an alert and I was not contacted, I would have said NO. XXXX had stated to me they did not request this payment then who did??? but PNC Bank allowed this payment to go through to WHO??? a SCAMMER. This is outrageous, now that I disputed it, I have to wait 10 days for their investigation which may lead up to 90 days which is rediculous. I am beginning to think PNC Bank caters to SCAMMERS ... ..Please help... .The appointment call never happened, I am filing a complaint to the XXXX  and to FTC for Fraud .
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

XXXX XXXX XXXX 15 U.S. Code 1692, 15 U.S. Code 1666, and 15 U.S. Code 1601. Additionally, under 15 U.S. Code 1681, the IRS explicitly states that a cancelled debt or charge off is considered income and should not be reported as a debt. The continued reporting of this account as a debt on my credit report is not only inaccurate but also damaging to my financial standing.

1099-C form indicating the amount of cancelled debt associated with the Wells Fargo Credit Services account XXXX I demand that XXXX take immediate action to remove this account from my credit report within 24 hours to rectify this error and prevent further harm to my credit score or severe consequences. Pursuant to federal consumer protection laws, including but not limited to 15 U.S. Code 1681, I reserve the right to seek punitive damages of {$250000.00} and more if XXXX is found to be damaging my credit report intentionally. 

I expect prompt resolution removed from my credit report
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a mortgage loan and the mortgage broker miscalculated my income. This miscalculation brings a disqualification for the loan but the bank didnt cancel the appraisal order. Based on that Bank of America refund me the money from the appraisal report. One month later Bank of America charged me {$340.00}. Bank of America refused to credit the money again.
Consumer complaint received 2023-12-08
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX certified to XXXX  a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. TransUnion and XXXX are allowing them to do it.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (AL)

PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-12-08
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. (NY)

n accordance with the fair Credit reporting act ( 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 ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) and i never made a credit application with these companies ( XXXX XXXX XXXXXX/XX/XXXX TransUnion 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  ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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- ( i ) 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 ;
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CO)

On XX/XX/year> my mother and I visited PNC Bank in XXXX, CO to request assistance to close her brother 's bank account. We brought with us a bank statement, a CO Small Estate Affidavit and a death certificate from XXXX, where her brother had passed away. We worked with the branch manager who stated that the documents would need to be reviewed and he would call as soon as that was completed. I did not hear back from the manager and I had to call him on XX/XX/year>. At that time he informed us that an official translation of the death certificate would be necessary and that could be obtained from the consulate or embassy. After many phone calls and research, we discovered that this information was not correct, as consulates or embassies do not provided translation of official documents. My mother had to pay for an official translation of the death certificate and this was submitted to the bank on XX/XX/year>. During this time, the bank reversed a Social Security deposit, as it appears that a translated death certificate wasn't required for that action but also didn't negate the need for us to obtain one to close a bank account with a balance less than XXXX XXXX. Again, no one at the bank returned our phone messages or emails to request a status update. It wasn't until XX/XX/year>, when I went to the branch in XXXX, CO, in person and unannounced, that I received any answers. It was at that time that we were informed that the account had a Payable on Death beneficiary. PNC Bank required my mom to go through the time, effort and expense to obtain this official translation to then inform her five weeks later that there was a POD and she would be unable to close the account. In addition, the bank did not disclose the POD account status on any bank statement that it provided to my uncle throughout the time it was in place, as required by FDIC regulation. I believe that PNC Bank acted in a deceptive and unfair manner in asking my mother to go through this whole process of paying for and obtaining the documentation PNC Bank required only to be told at the end that she would be unable to close the account. I see absolutely no reason why they wouldn't have informed her of this at the beginning of the process. Not only was this horrible customer service, it also resulted in my mother having to pay for unnecessary expenses for a transaction that she was never going to be able to complete.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

I have an account from XXXX XXXX XXXX XXXX # XXXX that's still on my credit report that I paid off in XX/XX/2017. I would like this account removed from my credit report as soon as possible.
Consumer complaint received 2024-05-18
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: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX & XX/XX/XXXX tow charges was made to my Venmo Visa card .One was for XXXX & another for XXXX from XXXX XXXX changed my home address from XXXX XXXX XXXX told the fraud department multiple times this wasnt me.Today I noticed my account is showing the charge is valid even though I called the company multiple times to let them know my account was being hacked.I notified experience credit bureau XXXX file dispute about my address being changed by someone else
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I don't convey to Portfolio Recovery 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

No consent is IDENTITY THEFT
Consumer complaint received 2023-12-08
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. (NY)

XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.