davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (PA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have submit a complaint XXXX about information on my Experian credit report address are not mine and incorrect. I have asked Experian to correct these address XXXX times now. I have provided proof my correct address. Driver licenses, and utilities bill. Experian is the only credit reporting these incorrect information. I will now attach a copy of my XXXX and XXXX report. showing my correct address. I also have a copy of XXXX of my credit cards that is on my Experian report. that has my correct address. So, Experian is reporting incorrectly or not reporting correct information. Under the fair credit act USC 1681. credit reporting agencies are required to report accurate information. Experian is clearly not doing so. this is a violation of the fair credit act which carries XXXX per violation. Experian is reporting XXXX incorrect address that needs to be removed immediately. there are highlighted on the Experian report.
Consumer complaint received 2022-08-15
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. (NY)

I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.
Consumer complaint received 2022-05-24
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I have been trying to close a loan since XX/XX/XXXX with Cardinal Financial. The initial rate that was locked for me was 2.25 % ( 15 year term ). We were getting close to closing and underwriting said that I had to wait until I reached 6 months with my current employer before they would approve the loan. I changed employers in XX/XX/XXXX but have been in the same industry for over 20 years with no employment gaps. Once 6 months had passed they increased the rate from 2.25 to 2.375. I was not happy with it but knew it was the current going rate. Since reapplying I have been harassed by their underwriting dept. They've called my employer at least 4 different times verifying employment. They delayed the loan for mortgage statements every month. I've completed conference calls, supplied documentation repeatedly. The last delay is for tax returns because they are so are taking so long to process that taxes became due. Rates have since increased again. I would use another lender but I will loose money over the life of the loan. I've 3 different times asked if they have everything they need and each time they say everything is complete and ask for more information within a week or two. When this started my credit rating was XXXX, & a perfect payment history on all my open accounts dating back over 15 years.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NY)

XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX  account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account XXXX XXXX card Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX Account listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.
Consumer complaint received 2021-04-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX. Is a debt collection agency, reporting on all three major credit agencies ( XXXX, XXXX and XXXX ) an alleged owed debt. I have reached out to National Credit Audit Corporation ( NCAC ) disputing this information. National Credit Audit Corporation ( NCAC ) has failed to validate this debt. At no time have I entered into any agreement with National Credit Audit Corporation ( NCAC ). And National Credit Audit Corporation ( NCAC ) can not provide any legal documentation with my valid signature of any alleged rental agreement. National Credit Audit Corporation ( NCAC ) is a debt collection organization, and the alleged original creditor is an apartment complex. The original credit has reported they have no ties and/or affiliation with National Credit Audit Corporation ( NCAC ). 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. National Credit Audit Corporation ( NCAC ) continues to fail to validate this debt and provide original documentation of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ).
Consumer complaint received 2022-07-29
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. (VA)

This uncertain account listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (OH)

I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2022-08-21
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: CITIBANK, N.A. (LA)

Please make appropriate corrections reported as late payments on CITI listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an 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 XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION (SC)

In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX I applied and was approved for a capitol one Walmart credit card. A week later account was restricted because capitol one called saying someone fraudulently opened a account in my name. When I informed them that it was me I was told I needed to verify my identity. At first I sent them my Tx. CDL, my Social security card and a bank statement from my credit union to which I was told they could not verify because the account numbers were blacked out. I then sent a XXXX bank statement with my current address and was told that my documentation address did not match my account address. Then a couple of weeks later I spoke to a fraud manager XXXX and explained that when I applied for this account I was in the process of moving, XXXX told me to send documentation with my old address and that would clear up the matter. Now it is XXXX and still Capitol One fraud department can not figure out my identity, even though I have 2 other credit cards and a auto loan with capitol one. And I am paying on the Walmart credit card from the same account ( XXXX ) to the other capitol one accounts of which is on the documentation I have already provided.
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (LA)

Please make appropriate corrections reported as late payments on listed XXXX account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (OK)

There are multiple hard inquiries reported on my credit report. On my Experian credit report, the following are unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from 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. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not recognize any of these. I called the companies on my Experian, XXXX and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report it has been over 60 days and I still have not received a report. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I purchased a vehicle through XXXXXXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XXXX XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at Bridgecrest ( financial ) and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that Bridgecrest, XXXX XXXX XXXXXXXX XXXX have committed..
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery constantly calls me 7 days a week non stop and multiple times per day. 
Dates they called XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  ( may have called more times as I recently got a new phone ) I have not answered any of these calls. I have talked to them one time I think in XXXX or XX/XX/2021.