davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial XX/XX/XXXX Paid Auto XXXX Off Received Email from Ally to Confirmation # FYI XX/XX/XXXX Received Email Your Title / Lien has been Released Your State DMV will Mail you your Title On XX/XX/XXXX or XX/XX/XXXX My Son Receive call from Ally Payment Loss/Missing/Returned I have called Ally Several times to Speak to the Legal Dept. or Give me A Number No Call Backs 2 months Later Our Credit Scores Drop XXXX points Contact 3 Credit Companies 3 weeks later everything is back to Normal 4 weeks Later Ally is Reporting Late Payments I / We Don't Have Late Payments Ally / They Have A Serious Issue See attached Below FYI
Consumer complaint received 2021-09-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We had 2 mortgages in XXXX we did a loan modification and were lead to believe both mortgages were included However now specialized loan serving states they purchased my 2nd mortgage in XXXX and are now trying to foreclose on my property Ive been trying to work with them by doing a modification but they are asking for {$43000.00} down payment and in the middle of a pandemic I do not have that amount of money I dont want to lose my home I feel they will not work with me and most of the time they do not answer my requests for information I did receive a letter from them which I will enclose however none of the information is valid this company never requested a cash settlement
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2021 : Used USAA Mobile APP to deposit two XXXX XXXX XXXX XXXX in the amts of XXXX and XXXX. Noted that {$700.00} would be held from the 2nd deposit.

Contacted the bank to request funds be released ( need to pay the rent! ). Was informed that the image of the check for {$800.00} was not yet available. Supervisor I spoke with stated that he would be happy to release the funds under the circumstances but without visual verify of face of check there was nothing to be done. Instructed me to return call the next day. 
XX/XX/2021 : Contacted USAA. Spoke with member of Executive Resolution team who stated that since I had had an NSF within 90 days that they would not release the funds.

Note that USAA had most recently NSF 'd an {$80.00} pmt to XXXX XXXX ( USAA is my current Insurance carrier ) when the account had $ XXXX. It is a curious coincidence. 

In truth, owing to unemployment during COVID era I had had some difficulty making ends meet. However, I have been working and depositing XXXX $ XXXX weekly for about 8 weeks. I have had a couple of NFSs ( valid ) while I am paying out large sums to bring other accounts to current and adjusting to the new pay schedule. 

I learned from one of the USAA reps that Digital Deposits are not covered by Expedited Funds Act nor the XXXX XXXX  ' act. Result is that it seems that it is a gray area and USAA makes its own policy. 

USAA has a single branch in XXXX XXXX, TX. 
USAA does not have/offer walk-in service agreements with any other banks. 
The only way to deposit funds is either payroll deposit or through their digital deposit phone app. 

The above facts put EVERY depositor in a situation whereby USAA can, and does, act only on policy and holds deposits for longest period of time permitted by law. In my case, I was informed that my funds would be released at XXXX XXXX on XX/XX/XXXX - XXXX business days later. This hold is placed on an instrument that must be paid for in CASH. A XXXX XXXX MO is no different than a certified bank check -- excepting the requirement of membership at that institution and the cost where applicable. 

The practice of only offering digital deposits and holding nation brand Money Orders for 5 bank days serves only to provide revenue to USAA. It is an unfair practice and skirts the intent of recent banking laws by hiding in the text they were written in.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (NY)

XXXX  XXXX XXXX closed my accounts with out giving me any reason when I called to asked why I was told they did not have to give me a reason. Seeking for answers I received my report from Early Warning and its suspected that there was fraud but instead of XXXX  XXXX XXXX just telling me to try and resolve the matter they closed my account.I had direct deposit going into the account at the time. I have reported fraudulent activity on the account many times. Ive been a victim of identity theft on multiple accounts that were opened with out my knowledge with multiple institutions and have been disputing to clear my name and also my credit. I have been denied by other banks and credit because of what I have found on My Early Warning Consumer Report
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Letter was sent to company to verify my debt. Company only sent itemized statement and continues to report this debt to consumer report agency. Debt collector should remove the collection of my credit report since they are failing to validate the debt per FCRA 623 ( b ) ( 1 ) the account must be removed if not 100 percent accurate. The FCRA requires that furnishers of data to consumer reporting agencies to report information that is 100 percent accurate.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have multiple times contact bank of america And they fraud department say there is no Fraud on my account yet the recover department said there is by saying my account Is fraud i have given them 30 days as per fact act i still have not seen any proof of the fraud in writing by the company stating the act of fraud was committed so as per fact act and fair debt collection act it has to be removed from my XXXX report since they have not shown Any proof in 45 days
Consumer complaint received 2021-11-03
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. (TX)

This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my report.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (WI)

The account is no longer active and has a balance of XXXX dollars. i've contacted the company about removing it from my consumer report because its showing negative, which is a defamation of character, and there is no debt validated. JJ Marshal is violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', 15 USC 1681b ( a ) ( 2 ), not having a permissible purpose nor did the have written instruction.
Consumer complaint received 2021-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We have received a NOD from Loan servicing. For years I Have communicated with them to give me an affordable modification payment but their demands were more than we can afford. Most times, when I plead with them for an affordable payment structure or modification, they would only offer me a short sale payoff option. 

We built our home in XXXX and raised our three children in this home. Due to COVID, our self-employed business became bankrupt. Unemployment was not enough to cover our first mortgage so we were on a forbearance plan until XX/XX/XXXX. Now we are up to date with the 1st mortgage but the second by SLS refused to give us an affordable payment and threaten to foreclose on our home. 

SLS refused to give me a modification when I contacted them in XX/XX/XXXX to get a worked modification. XXXX ID XXXX, my ( appointed relationship manager ) said, I MUST GO TO HUD FOR ASSISTANCE, as SLS can not help me. They also send mail stating that I should contact HUD for assistance. 

I did contact XXXX ( HUD program ) and submitted all required documents for modification. Five days later, SLS rejected the modification. XXXX XXXX told XXXX that SLS would only accept the offered settlement they sent in XX/XX/XXXX ( see attachments ) their demands are beyond our ability as their increased interest rates have accumulated to over {$210000.00}. 

The original loan is {$180000.00} with ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX the real-estate market crashed and we lost our jobs and investments In XXXX, we were able to get a modification with adjustable rate SLS became the new servicer in XXXX
Consumer complaint received 2021-11-03
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. (CA)

The US Department of Education had instructed Experian to delete any negative reporting from XXXX from my Experian credit report, but for some reason this was not done. There should be no information from XXXX listed on my Experian credit report it should have been deleted. The loan was brought out of default and into a positive status through XXXX XXXX XXXX. The loan was also paid in full in XXXX of 2019. According to The US Department of Education and XXXX XXXX XXXX any negative reporting from XXXX should have been deleted from my Experian credit report. I am asking Experian to do this.
Consumer complaint received 2021-11-03
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. (NV)

I'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with UNITED AUTO. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on UNITED AUTO. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate and MUST be deleted from my Credit Report.
Consumer complaint received 2021-11-03
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. (NJ)

I am writing this complaint due to numerous federal violations of the FCRA. Specially, 15 USC 1681g ( a ) ( 5 ) which states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

There are numerous fraudulent inquiries reporting on my credit report that I did not authorize nor give my permission to apply for any credit in my name. I have written to the credit bureau, filed an FTC report ( REPORT # XXXX ), called the bureau numerous times without success in removing these fraudulent inquiries. More than 30 days have elapsed since I have written to the credit bureau and these inquiries MUST be deleted immediately. Additionally, since the credit bureau continues to violate my rights as a consumer, my rights to privacy and numerous violations of the FCRA including 15 USC 1681g ( a ) ( 5 ), the bureau is liable to me at a {$1000.00} for each continued violation. I AM ALSO IMPACTED BY THE EQUIFAX DATA BREACH AS A VICTIM. 

I DEMAND THAT THESE FRAUDULENT INQUIRIES ARE REMOVED IMMEDIATELY AND MY FEDERAL RIGHTS CEASE TO BE VIOLATED.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

Contacted company to ask them to close out an allegeddebt of {$1200.00} on behalf of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX I have no balance. Please remove from credit. Also the alleged debt is almost 4 years old on XX/XX/2021. This alleged debt is almost to the statue of limitations.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

I purchased an online course from XXXX over the phone from the owner on XX/XX/. I was told there was a 60 day money back guarantee. 

I didnt receive any information regarding conditions on the guarantee. 

I requested a refund on XX/XX/XXXX  because i was not satisfied with the course. I requested a refund from the owner over the phone. 
I was told a refund was not possible and would be given a credit in lieu. When attempting to use the credit I was denied and attempted to be upsold on another product. 

At this point i disputed the charge and am insisting in a refund on XX/XX/. 

On XX/XX/XXXX  they requested additional information which I submitted but had issues replying to their email because the attachments were too large. 

On XX/XX/XXXX  The credit card company denied the dispute stating I agreed to the terms and conditions and reported the merchant said I never requested a refund nor went through their proper process. 

On XX/XX/XXXX  I spoke with the credit card company and re-submitted the evidence over chat where the owner confirmed a credit in lieu of a refund and also denying its usage. 

Immediately on XX/XX/XXXX  I recieved an email update stating the dispute was denied because " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase '' which I did not. 

If i was told there were conditions on the refund I would have never purchased the product. I do not want a credit I want a refund in full as was originally promised me when I decided to try the program.
Consumer complaint received 2022-04-12
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. (VA)

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 2021-11-03
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. (GA)

Transunion is in violation of the fair Credit Act not the company. Their inaccurate response failing to address why they are violating my Fair Credit Reporting Act Right by reporting excluding information under 15 USC 1681a 2Ai has nothing to do with the furnisher and everything to do with their violation of federal law and I want it to STOP! and i also want them to stop sending frivolous responses to the CFPB that dont address the issue at hand. The law is clear and XXXX is violating that law and I want them to be held accountable and not pass the buck as you are allowing them to do! I am litigious md I will sue them if this violation of 15 USC 1681a 2Ai continues beyond this complaint.

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and Transunion are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under XXXX5 USC 1681a 2Ai as an exclusionary reporting. XXXX and XXXX are both reporting a collections account for XXXX  XXXX  XXXX, XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-11-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio was a 2nd mortgage on a rental I owned. The rental sold XX/XX/2021. Today is XX/XX/XXXX ... and Select Portfolio received their funds ... but are calling and sending harassing messages to me. They called and said they are sending my case to their attorney. The title company paid them off on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) Please make them stop harassing and threatening me.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021, I called the Capital One Bank to report a scam that was made by someone impersonating an XXXX employee. I called them to stop the transaction from occurring and to help me get my money back or provide me with the information of the person who stole my money from my bank account but they refused to do any of those actions. I got scammed an amount of {$2400.00} from my bank account. I called several times and made many attempts to get my money back but they refused to help me.
Consumer complaint received 2021-11-03
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. (CA)

I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44.

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records.

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts.

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX  is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
Consumer complaint received 2021-12-20
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.