davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A. (IL)

I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee.

So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.
Consumer complaint received 2024-03-23
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. (SC)

Congress has made it clear 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 nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into an adhesion contract. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. Due the banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I hereby disaffirm any alleged agreement or contract between I, the consumer, and the bank, whether implied or explicit. Any agreement between I and the bank was a result of undue influence. Please provide me with documentary evidence of the obligors indebtedness. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The bank, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing. Additionally, charge-off accounts are considered income and income is not to be reported on any consumer report. XXXX is in violation of several codes and CFR 's and willfully using a third party to keep me from being able to use my consumer credit. The bulk of these violations are covered under 5 U.S. Code 552a,15 U.S. Code 1681 12 CFR 1016.1 and IRS Publication 4681
Consumer complaint received 2023-11-14
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. (GA)

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 NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 2024-03-23
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. (OH)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (OH)

I have been an experian member since XXXX until they introduced the digital banking which i signed up for. Been using the bank account for XXXX and XXXX transactions which also comes with digital visual debit card which can be used and accessed virtually. 

On XXXX  occasions there is always a problem using the card as recommeneded by them to link with your digital wallets such as XXXX, XXXX XXXX and XXXX  XXXX, so i tried adding to my XXXX  and the card keeps saying card number dos't exists or invalid when i have the correct and right number given on the account. So i tried to change the card whih replaces it instantly.Tried that a XXXX  times when i get that error message of invalid card number. On XX/XX/XXXX, i received an email saying my account was temporarily suspended, called them immediately becuase i was expecting a certain amount of XXXX XXXX days after, they said to me it was because i requested for too many card replacement and what i have to do is write to a particular email address explaining why i requested for lost or damanged debit card severally. I did that immediately and till now i haven't heard back. my money is stucked in my account till now, i call them almost XXXX  and they dont have an answer rather than i will get a response from the higher departmemnt soon. 
i need my money, thanks
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Lexisnexis has violated my rights as a consumer under state and federal laws. They are sharing my personal information without my written permission. Even if they share my information negligently, they are in violation because my private information is federally protected.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

Company name : XXXX XXXX, XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX LVNV Funding, LLC. is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-11-14
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. (IL)

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 2023-11-14
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. (AL)

I'm filing this complaint on my behalf and there's no third party involved. I've been reviewing my credit report recently and noticed these inaccurate information that's been reported. 
XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX SUNRISE XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I do not RECOGNIZE these items that's been listed and is clearly in violation of FCRA 15 U.S.C 1681i & 1681s-2.

( Copy Enclosed )
Consumer complaint received 2023-11-14
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)

XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not Experian or XXXX Credit report and I do have proof showing it has been removed from my XXXX credit report.
Consumer complaint received 2023-11-14
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. (NY)

Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with Experian so I dont know if they lifted the freeze with Experian but I cant access Experian obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone
Consumer complaint received 2023-10-29
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. (NY)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family .please remove the fraudulent accounts and inquires from my credit report as soon as possible
Consumer complaint received 2023-12-11
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. (DE)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2023-11-14
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: Experian Information Solutions Inc. ()

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 2023-11-14
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. (MA)

in accordance with the Fair Credit Reporting act XXXXXXXXAccount # XXXX, has violated my rights. 

Account # XXXX. Two accounts as the same beginning numbers. 
Account # XXXX. 

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
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX. 

The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 


I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (TN)

I applied for an extension of credit for an auto loan with Navy Federal Credit Union on XXXX as well as XXXX and was denied. I was discriminated against according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c. I made the auto loan request with good faith as I am a credit worthy applicant and my rights were violated by this organization. 

This creditor has broken the law and is in violation of 15 U.S. Code 1642., U.S.C 1681m and 12 cfr 1002. I have contacted this company to let them know I was denied credit. I have sent messages to Navy Federal Credit Union representatives stating that my rights were violated, they have responded back REFUSING to acknowledge that the law is not being followed by them, to address the issue any further or extend me the line of credit that I am asking for.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gurstel Law Firm, P.C. (MN)

I was contacted by Gurstel Law Firm, XXXX XXXX  XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. 

I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? 

Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. 

How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX XXXX l purchased my XXXX home for {$410000.00} with a down payment of {$80000.00} with {$320000.00} loan.After a year l refinanced the home with a bank in Florida for XXXX fixed with interest rate of 3.5 % or 3.2 % am not sure .After few months in the loan was sold to well Fargo and this was in XXXX and as a this time the loan was between {$270000.00} to {$290000.00} or less .I paid my mortgage to Wells Fargo till XXXX XXXX the loan was around {$250000.00} XXXX was affected by the economic downfall and was sick and l lost my job .As a result of this l was unable to afford my mortgage and l went to Wells Fargo for a loan XXXX XXXX And after several turn downs of a year, my home was almost going foreclosure finally Wells Fargo claimed my loan was mortified.Some documents was sent to me for my signature .l noticed the loan was now {$370000.00} with maturity years of XXXX ( XXXX ) and interest 2 % for {$290000.00} out of the {$370000.00} loan .Of course l was desperate and l called the bank for an explanation of why the loan was this high, they were not able to explain to me why it was this high, all they could say was l did not pay my mortgage for a year or more a threat if l do not sign the document my home will foreclosure .I had no choice but sign the document .But l refuse to refinance that loan till l find someone that could help me sort this out .l hired a lawyer 3 years ago but he could not handle it because l could not afford his bill .Despite the fact that money was given to Wells Fargo by the government then, to modify this loan and XXXX XXXX of the loan .But they did not modify this loan rather they extended the life of the loan and added a huge amount of money more to the loan. 
Then my name was XXXX XXXX XXXX.