davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

THIS IS A COMPLAINT AGAINST BANK OF AMERICA FOR NOT PROCESSING THE LOAN APPLICATION IN A TIMELY MANNER RESULTING IN FAILURE TO GET THE LOAN ON THE CLOSING DATE. 
Loan amount : {>= $1,000,000} ; Loan amount was changed to {>= $1,000,000} on XX/XX/21 for easier qualification. Date of application : XX/XX/2021 ; Closing date :XX/XX/2021 Main issue : In spite of making clear to the loan officer at the time of applying that if I do not get the loan I am at risk of loosing {$180000.00} since closing was not contingent on obtaining the loan. Loan was not approved by the closing date and I had to arrange for close to XXXX in cash in less than a week Problems encountered : 1. In ability of Home Loan navigator to accept large documents 2. Failure to review, act on and accept the uploaded documents in a timely fashion 3.Delayed Condo approval process due to delay in requesting as well as requesting unreasonable documents 4. Failure to qualify me for the loan while the condo approval is pending.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (TX)

I have an items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$560.00}, ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (DC)

On XX/XX/2022 I attempted to purchase a XXXX worth {$16000.00} at a XXXX authorized dealer XXXX. While checking out, the XXXX monitor stated that it could only approve {$10000.00}, in that very moment we voided the transaction in which I was issued a receipt for. Soon after I called my bank ( Citi Bank ) because somehow the funds were still drawn without my approval, while at the store I called the bank and was told I would have to file a claim ( which is one of many claims and appeals I've filed with this bank ) and submit the voided receipt in order to get this sorted out. Despite providing to the bank all the documents they required in order to resolve this problem, which they stated in writing and over the phone they still deny my appeals and claims. Instead they have told me to take it up with the merchant, so I did and they say that their accounting department can not do anything because funds were never received on their end. I have paper trails of communication between the bank, myself, and the merchant. The bank is clearly withholding {$10000.00} that belong to me which have set me back substantially, they show little to no regard and fail to explain where my money is show no effort to help. The merchant has diligently tried to offer as much help as possible but Citi Bank fails to comply.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Experian were mailed out on XX/XX/2023 and USPS certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX XXXX These letters were sent out USPS certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Experian has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Experian.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

I was sick in XX/XX/2023. I had XXXX XXXX & requested for Forbearance from Fannie Mae via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against PNC Mortgage for harassing XXXX XXXX XXXX & XXXX & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-12-07
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hey Im trying to dispute these inquiries off my credit report Ive already contacted the collection agency about the disputes a few months ago and they sent me a letter back saying they cant do it however I need to have them removed because of this law : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (IL)

A XXXX XXXX was fraudulently opened in my name. An email address ( XXXX ) and phone number ( XXXX ) that does not belong to me; was used to obtain an online account. Payments were made on this account and returned unpaid from an account that does not belong to me. Authorized users were added to this account that I have absolutely no knowledge of. I have been crying out to have this fraudulent account removed from my credit for several years even before it became delinquent. My disputes were denied continuously. I was not living at the address on file when this account was opened and have provided proof several times. I have attached a bill that shows my address in XXXX of 2017. I have also attached a copy of my lease that shows the address I moved to in XXXX of 2017. I never requested a new card from discover nor retrieved any card. The account is NOT mine.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

My new vehicle financed with Kia Motors Finance was totaled on XX/XX/2023. The account went through the usual processes of insurance claims. After the insurance payment on XX/XX/2023, there was still a balance of {$1500.00}. I was informed by my GAP insurance provider that I would not need GAP as the balance would be covered by warranty refunds. In XX/XX/2023, I spoke with my dealership to submit the paperwork to get the refunds processed. Kia Motors Finance would not debit the refunds from the dealer. I attempted to call Kia finances phone number, but an automated answer always states that they are busy and the call ends. Months went by while I kept attempting to call Kia finance. On XX/XX/2023, I received a call from Hyundai Motors that my account would be charged off. There was no previous warning, whether through call, email, or physical mail. I was told it would not go to my credit report if I paid that day. I paid off the remaining {$1500.00} with my own bank account, even though it should have been covered with the refunds they should have processed. Kia Finance ended up placing a derogatory remark on my credit report anyway and my score fell by over XXXX pts. I had to submit a dispute by mail to them and now the remark is removed but my score has not recovered. As of XX/XX/2023, I still have not received my refunds. I was told that the GAP refund was mailed out on XX/XX/2023 but I have yet to receive it. I asked for the check to be reissued and they mentioned it could take up to 45 business days. Today I also inquired about the 2 other refunds that total in the amount of {$3000.00}. The representative told me that the refunds have not been processed yet. I can see on my payment history that Kia Finance received these refunds from my dealer on XX/XX/2023.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have had XXXX XXXX removed off XXXX XXXX dont why they take off put it back on I promise it should removed off my credit report
Consumer complaint received 2024-04-03
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. (MO)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Bank, Account # XXXX XXXX  Bank XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX And XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual