davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from Capital One showing up on XXXX. The next day XX/XX/2022, I called Capital One to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call XXXX and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called XXXX, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call Capital One and tell them that I didnt apply for anything and that Capital One should be able to easily take the inquiry off my report. On XX/XX/2022, I called Capital One again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said Capital One who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called Capital One and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from XXXX in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.
Consumer complaint received 2022-04-02
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX CHILD SUPPORT ENFORE XXXX  Balance {$12000.00}, XXXX XXXX XXXX  Balance {$190.00} XXXX : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ATTORNEY XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$64.00}XXXX XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX Balance {$340.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$57.00}, XXXX XXXX XXXX  Balance {$1800.00}, XXXX XXXX XXXX XXXX$670.00}, XXXX XXXX XXXX Balance {$4400.00}, XXXX XXXX XXXX  Balance {$700.00}, XXXX XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX Balance {$1900.00}
Consumer complaint received 2022-07-08
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. (HI)

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. 

XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY REPORT.
Consumer complaint received 2022-07-08
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. (TX)

XXXX XXXX XXXX The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX  refused to correct the payment history please see attached
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XXXX XXXX on a telephonic conversation with the customer service department at Sun Trust Bank , I was informed that my business checking account was closed due to unknown reasons and that for more information about this action, I needed to read the account disclosure pamphlet provided, at the time of opening the account, to find out about the legalities of closing of a business checking account by the bank. 

OnXX/XX/2020 I approached the Sun Trust Bank assistant manager XXXX XXXX to inquire about the banks decision regarding the closing of my business account at which he disclosed that the bank had made the decision to close my business account without any notifications and that the reason for closing the account was for a deposited check not clearing the account. 


I asked the Bank Manager as to when would my funds in the account {$3300.00} be available for withdrawal, at which he claimed that it would take 2 weeks for the bank to complete the closing process and a check would be mailed out to my attention approximately XX/XX/2020 After two weeks passed and no check was received, I approached XXXX XXXX again and informed him that no check had been received, at which he informed me that I should be receiving the check by 2nd week of XXXX and that was the best he could do, at that point I explained and expressed the hardship that my XXXX  and my family was facing due to the withholding of these XXXX  funds, however he couldnt help. 

From the time Sun Trust AKA Truist Financial decided to close my business account and withhold my funds {$3300.00}, to date I have not received any check nor any legal disclosure from these financial institutions regarding the action they took to close my business account and reasoning to withhold my funds {$3300.00} or a possible refund date. 

This action of closing my Business account and withholding of funds {$3300.00} by the Sun Trust Bank AKA Trusit Bank has caused devastating circumstancing not only for my XXXX  but also to my family. I had to close one of my XXXX, letting go XXXX XXXX, for the lack of operating capital and have had to seek help from federal and state agencies to feed my family. This frivolous action by Sun Trust bank AKA Trusit Financial is not only unwarranted but also in humane specially at a time of a pandemic crisis, where every agency in the United States of America is trying to help every being, stay alive and financially afloat.
Consumer complaint received 2022-07-08
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the fair credit reporting act XXXX Department of education/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 also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-07-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 

1

5 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 2022-04-02
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. (TX)

Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry : XX/XX/2022, XXXXL XXXX XXXX : XX/XX/2022
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Hirshberg Acceptance Corporation (MI)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX. The vehicle was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. 
Upon purchase, I did do a test drive, but I requested to take the vehicle in for a inspection and informed the salesman that I would be doing so that day and was told because someone had stolen a vehicle that I was unable to drive the vehicle so far away for the inspection. 
I signed a as is no dealer warranty buyers guide but was in fact given a dealer warranty and the dealer is refusing to make the repairs needed to the vehicle. The vehicle was sold to me without a Catalytic Converter and just a straight pipe and was totaled out in a accident in XXXX and I was not made aware of that at the time of sale. I took the vehicle to be inspected also my insurance company had the vehicle inspected by a third party and everyone has come to the same conclusion that I was sold a lemon vehicle. I haven't reached out to XXXX XXXX XXXX because I'm afraid to be intimidated by them. I need help with this issue please.
Consumer complaint received 2022-07-08
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information.

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (FL)

the account shows that it was closed XX/XX/XXXX but it's still on my credit report as a negative item. date opened was XX/XX/XXXX for XXXX dollars but it was paid off in XX/XX/XXXX but still not off credit profile. 

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 

Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

On XX/XX/XXXX I was fraudulently charged with a bank transfer to an account in my name I did not open. I called my bank, Comerica aka Direct Express, to let them know. Instead of them realizing that my online banking was set up and taken over by someone I don't know, they only canceled and sent out a new card. When I received my next monthly XXXX payment this same person again, took the rest of the money from my account, on XX/XX/XXXX. I called my bank again and talked to a smarter Rep who realized the problem was much bigger than sending out a new card. I was told I needed to fill out a form within 10 days but I did not receive that form in the mail until after they asked me to send it in. When the second transaction happened they told me I could fill out both dates on the same paperwork and was promised by a supervisor that I would be receiving the provisional credit for the 2nd transaction. I sent it in that day and that was a terrible mistake, I wish I had done it on 2 forms. They have completely denied any provisional credit, even though I was told I would receive one by a supervisor on the XXXX. After 10 business days ( XX/XX/XXXX ) they emailed me telling me I was denied. So I called in Friday, XX/XX/XXXX, and everyday until today, Wednesday, XX/XX/XXXX because they didn't see on their end we were being denied. All of the supervisors I spoke with made it sound like they were trying to find out why we were denied for a provisional credit on XX/XX/XXXX because I didn't send in the paperwork by XX/XX/XXXX. Do they expect me to go back in time to fill out paperwork for a transaction that hadn't happened yet? I didn't receive the form in the mail by that date and still have never received the other form they automatically sent out from the 2nd transaction. Now they are saying they are making me wait past the 45 legally allotted days to return those funds to me. They are not following the law. I have filed a complaint with the Federal Reserve and now I am filing a complaint here. This company directly deals with accounts of those on federal programs. So they are making XXXX people jump through extreme hoops, to never receive their money. I read many articles online about how they make people wait months to return funds. I can not wait that long as they are holding onto {$890.00} of mine and have been going without groceries or paying bills. I would like for them to lose their contract so other XXXX people don't get XXXX XXXX  by this company. They are a disgraceful company. I wish I could switch to a different account.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/2022, I contacted my Loan servicing company ( PennyMac ) and submitted an application for a cashout refinance program, to remove my MIP and escrow from our current FHA loan. I submitted all the necessary documents timely for review and consideration. We worked hard for months to pay off all of our credit cards, loan amounts, and any outstanding issues that could be problematic in preparation for the new loan. We were led to believe, due to the amount of equity available, ( greater than 60 % ) we would entertain the maximum cashout we would qualify for. We received the ( LE ) Loan Estimate with a preliminary rate of 4 %. Additional documents were required to qualify for the maximum loan amount to maintain our DTI under 49 %. We specifically advised the loan officer although we are interested in the maximum loan for cash out, we would consider a lower loan we would qualify for, excluding escrow. Our total income submitted for the loan is over {$160000.00}, with no credit card and auto payments, with a middle credit score of XXXX. We believe the loan was denied because we insisted to proceed without escrow. We were never offered a lower loan amount, which we told the loan officer we would accept if our DTI ratio would not qualify for the maximum cash-out. I would like for your office to fully investigate my complaint for closure.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (IL)

Reported Collection Company : PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX, TX XXXX Amount : {$39.00} On XX/XX/2021, the above collection company reported a debt that do not belong to me. This has negatively impacted my credit records, and lowered my XXXX XXXX. On XX/XX/2021, I mailed the collection company a letter to verify the debt, and they did not respond. According to the provisions of the Fair Credit Reporting Act 609, If accurate derogatory information in the consumer 's file can not be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. This is related to the right of the consumer to challenge the accuracy of negative events reported on them. The intent of the government is to protect consumers from having inaccurate information used against them.