davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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: PNC Bank N.A. (PA)

PNC lost the original Ohio Title. The new car was purchased in Ohio and PNC is the lender. PNC received the Ohio Title but has not forwarded the Title so it could be transferred to Pennsylvania and registered, plated, and inspected in PA. PNC has lost Title and continues to advise that it has been escalated and is being sent but we have to wait for the process. They now say they have the title but have no idea why it has not been sent to us. They cant advise of the process or provide an escalation contact. 
XXXX advised us that we can continue to drive the car with expired tags and it will be legal. We have called PNC 17 times totaling 23 hours of phone conversations and have been advised that they don't know what went wrong and they cant escalate any faster and that they do have the car title which needs to be transferred but even though it is perfected they have a process for mailing even though they have delayed 3 weeks. We have been forced to call every few days and sit on the phone for hours with no resolution. We have also been advised that it has been escalated to their complaint resolution team and they would contact us for resolution within 24-48 hours. The first complaint was 11 days ago and we do not receive returns calls or communication.
Consumer complaint received 2022-04-19
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. (PA)

Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We entered into a trial modification agreement and completed it. The Trial period was supposed to be XXXX months but we ended up paying ( 5 ) trial payments of {$2600.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
We finally received the modification package dated XX/XX/XXXX. 
SLS sent us a Notice of Default and Notice of Intent to Foreclose,  why? We have never missed a payment.We paid 5 trial payments, we had a suspense amount on our loan of $ XXXXhow was the monies paid applied to our loan? 
We received 2 statements for XX/XX/XXXX - one stating that we owed {$12000.00} and another stating that we owe {$8.00}, XXXX. 
( 1 ) The statement owing {$12000.00} shows XXXXpmt -  {$2000.00} XXXXpmt - {$3100.00} XXXXpmt - {$3100.00} XXXXpmt -  {$3100.00} ( 2 ) The statement owing {$8900.00} shows - XXXXpmt - {$2500.00} XXXXpmt - {$3100.00} XXXXpmt - {$2600.00} with a suspense amount of {$610.00} What is going on withe the amounts changing on the payments, we have tried to talk to representative they have looked at the mortgage note and the modification agreement and they could not see any reason why the payment are changing and it did not say in any of the documents that they saw why the payments would be different it is not adjustable. We have checked the taxes and the insurance. In order to maker the payments we must get a supervisor to make the payment over the phone. No one has an answer. They told us to write a letter. We are writing the letter to you.
Consumer complaint received 2022-04-19
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. (CA)

There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.
Consumer complaint received 2022-04-19
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. (CA)

There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.
Consumer complaint received 2022-04-19
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. (IA)

Called on XX/XX/22 to call about my XXXX XXXX XXXX I had. Was told that they would waive the late fees due to not getting statements that the balance due was XXXX. I paid that balance in full on XXXX XXXX only to get mail that says I paid the amount above on the date listed but no fees waived, another fee, interest assessed, and false report made to credit bureaus. The statement and right to cure are dated for XXXX and feel that this is deceptive a violation of my rights under the fair debt collection practices.
Consumer complaint received 2022-04-19
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. (WA)

I pulled my credit report and noticed that my utilization rate is being reported on my XXXX account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Consumer complaint received 2022-04-19
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. (OH)

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. 
XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, Has violated my rights. 

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 items of information, other then 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 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX Date opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}. Please remove.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. Bankruptcy Court has violated my rights 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 to do so. 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 7 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 2016-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (LA)

Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!
Consumer complaint received 2023-06-26
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. (SD)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit, they will see that they don't belong to me.
Consumer complaint received 2022-04-19
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: Santander Consumer USA Holdings Inc. (CA)

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.
Consumer complaint received 2022-04-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (WA)

For the past 5 years or MORE, I have gone to this company 's website MULTIPLE TIMES, to be removed from their mailing list. I've gone to all 3 credit Bureaus and made sure that I don't receive unsolicited mail based on my credit. I'm on the National Do not Contact lists. I complained to the XXXX  MULTIPLE times. I sent this company a CERTIFIED Cease and Desist letter to STOP contacting me two or three years ago. And I'm STILL receiving unsolicited mail. 

I want this to STOP. After a few months of receiving nothing from this company ( YAY! ), they're back at it again. Received three mailings in the past two weeks. 

In addition, the way the letters are designed is borderline predatory to XXXX and XXXX. Stamping things like " Final Notice '' and " Response Needed/Required '', in addition to using a " Rear Admiral '' to gain trust.
Consumer complaint received 2022-04-19
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXXXXXX  am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-19
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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. 

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 2022-04-19
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

To whom it may concern, I have reviewed my credit profile and have noticed the alleged account ( Capital One Bank USA ) that Is reporting to your bureau with a number of Discrepancies in the ( account ending in XXXX ) with the following information ( Name of Creditor : Capital One Bank USA NA ), ( CLOSED DATE XXXX XXXX ), ( minimum monthly payment -- ), ( Worst payment -- ), ( LAST payment XXXX XXXX ), ( account closed by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX Virginia, XXXX USA ) is being reported on XXXX. 

However, XXXX  is reporting the same alleged account ending in ( XXXX ) information ( NO CLOSED DATE ), ( Name of Creditor : Capital One Bank USA NA ), ( minimum monthly payment {$0.00} ), ( LAST payment XX/XX/2021 ), ( REMARKS : canceled by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX USA ). 

If this is the same creditor, the information would reflect the same information and not be different. 
I have enclosed for validation a screenshot of the alleged account information and the inaccuracies reporting to XXXX and XXXX, showing the different in this alleged Information.
Consumer complaint received 2022-04-19
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. (SC)

I have closed accounts on my credit report that I did not authorize : XXXX : XXXX XXXX # XXXX - XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX # XXXX - XX/XX/2021 XXXX : XXXX XXXX # XXXX - XX/XX/202XXXX XXXX  : XXXX XXXX # XXXX - XX/XX/2021 XXXXXXXX XXXX  # XXXX - XX/XX/2021 XXXX XXXX  # XXXX - XX/XX/2021
Consumer complaint received 2022-04-19
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. (SC)

I have closed accounts on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I applied for a partial loan modification with Citizens Bank on XX/XX/XXXX. I was told it would take approximately 30 days to review and approve. On XX/XX/XXXX I called to see if any new information was available and was told my application was in review. I called again on XXXX and was told they showed no application on file ... would I like to submit. I have now called two more times to be told that my application submitted on " XXXX '' is still in review. 
My forbearance reached the 18 month deadline on XX/XX/XXXX. 
I believe Citizens purposely held my application back so that my forbearance would end and my credit history would be severely damaged. I feel this was malicious and not a limited information or labor issue. 
Please help me.
Consumer complaint received 2022-04-19
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. (PA)

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. 
XXXX XXXX XXXX XXXX  XXXX remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX. XXXX XXXX XXXX XXXX Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. Experian XXXX shield remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX  XXXX. Remove all closed accounts from all reports has violated my rights. 

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 XXXX 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 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

Debt shows as owed from XXXX thru convergent collection agency and when prompted to access online I cant with my valid credentials and supervisor from convergent collections cant explain why the Ss number and or zip code and last name doesnt match my info yet they are attempting to collect this debt.