davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (GA)

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. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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. (ME)

I was notified that on or shortly before XX/XX/2023, a credit inquiry was made to Experian by XXXX. I did not apply for credit from XXXX or any other entity. I had a XXXX card in the past ; I closed the account in XXXX of last year. XXXX has no justifiable or legal purpose in making this inquiry ; since a hard inquiry negatively affects my XXXX XXXX, I regard this as a form of illegal harassment. XXXX has for over six months refused to investigate or even acknowledge fraudulent purchases made by an unknown person on XX/XX/XXXX, continues to bill me for a charge I did not make, and has generally behaved in a despicable manner to someone who was a very good customer. I want this inquiry removed from my report.
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

The credit bureaus have ignored my attempts to have this negative account removed from my credit report. XXXX XXXX has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (KY)

On XX/XX/2019, I deposited two unit of local government checks at a local BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, Kentucky XXXX. One of the checks was for {$5200.00} and the other check was for {$15000.00}. I deposited the checks at the teller at the branch. The teller decided to put extended holds on the checks even though they are two unit of local government checks. Under the expedited funds availability act, the funds are to be available the next business day, subject to certain exceptions which don't apply under the circumstances. Per BB & T Bank {$100.00} will be available on XX/XX/2019, {$100.00} on XX/XX/2019 and {$4800.00} on XX/XX/2019, and {$15000.00} on XXXX XXXX. These holds are illegal under the Expedited Funds Availability Act. I asked the teller when I was doing the deposit why they were doing the extended holds even though they were government checks, and the teller 's response was because I didn't have sufficient funds to cover the checks in my account currently. Not having enough funds in my account currently is not an exception to the Expedited Funds Availability Act, and is being used as a pre-text to extend the hold times for local government checks. BB & T is flagrantly violating the Expedited Funds Availability Act when I deposited two local government checks and the funds are supposed to be available within the next business day.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is an auto loan on my account that was with Capital One Auto Finance. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. Capital One Auto Finance did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with Capital One Auto Finance to pay off the vehicle and has been paying it, in fact paying it off this month. Capital One Auto Finance continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and Capital One Auto Finance XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but Capital One Auto Finance reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as Capital One Auto Finance is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

XXXX XXXX XXXX ( XXXX XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : XX/XX/XXXX Short sale file was submitted with a sale date about 50 days away. 
XX/XX/XXXX-XX/XX/XXXX- Back and forth communication, then the short sale was closed out on XX/XX/XXXX saying listing period expired. 
XXXX XXXX XXXX Back and forth fighting with XXXX and we were told the investor wanted 90 days prior to a sale date to review for a short sale. 
XXXX XXXX Called investor XXXX XXXX and they said if its over 37 days they will review for a short sale. XXXX is making up their own rules. 
XXXX XXXX XXXX : Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 120 days to review for a short sale, another change XX/XX/XXXX - XX/XX/XXXX - Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 90 days to review the short sale, the rule is XXXX and we advised them of the CFBP guidelines. 

Currently XXXX won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason XXXX should be doing this.
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (GA)

My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX   and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-11
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. (CA)

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXXs XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX XXXXXXXX XXXX XXXX Balance unknown all opened around XX/XX/XXXX. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I have received two text messages from XXXX. today. One was around XXXX and the other around XXXX XXXX XX/XX/2019. I have asked them to stop and they won ; t.. Unfortunately I do not have a block option on my phone ... They won ; t stop. Can you please help me??
Consumer complaint received 2023-06-05
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. (CA)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TX)

This opportunity to cure is regarding application # XXXX Ally Bank denied credit extension and I am seeking compensation for damages. 

" 706. Civil liability " ( a ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant acting either in an individual capacity or as a representative of a class. 
" ( b ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, as determined by the court, in addition to any actual damages provided in section 706 ( a ) : Provided^ hoverer^ That in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class. 
" ( c ) Section 706 ( b ) notwithstanding, any creditor who fails to comply with any requirement imposed under this title may be liable for punitive damages in the case of a class action in such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery in such action shall not exceed the lesser of {$100000.00} or 1 percent of the net worth of the creditor. In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor 's failure of compliance was intentional. 

As stated in PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) As per United States Constitution I can take Ally Bank to Federal Court and Sue for this matter. 

There is nothing else above the law and I hope you govern your self correctly.
Consumer complaint received 2023-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

After our last complaint we were finally able to get our loss mitigation application approved and a trial repayment plan set up on XX/XX/XXXX. This document clearly stated to call, write OR make the first payment by XX/XX/XXXX. We called and made a payment before that date and mailed the documents back signed later after being told to via phone even though there was nowhere to sign. Our trial period is XXXX, XXXX and XXXX. I received a call from collections this morning again asking for our full forbearance balance to be paid and I asked why only to be told that loss Mit removed us from our plan for not returning documents. Naturally I call loss Mit to ask what documents and she says USDA you have to sign and return, well we did. I have email confirmation from consumer advocacy that we in fact accepted our plan by XX/XX/XXXX. The rep tells us to file a complaint with loss Mit proxy because we did everything asked and she cant reverse it. So now here we are planning to make our 2nd trial payment next Friday and were removed from our plan again without a valid reason. This needs to be made right and our plan reinstated.
Consumer complaint received 2019-03-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

To Whom It May Concern, Good morning, writing today and before presenting my actions, thank you for allowing me to do so. On XX/XX/XXXX I visited my XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX, this vehicle is similar to my XXXX XXXX XXXX. Due to my multiple job losses ( not my fault in my opinion ) my vehicle I was repossessed and now I am left owing the bank balance. Here are the two main companies I worked for at the time of my car being repossessed .On both jobs there was a miscommunication with XXXX XXXX woman, and here are the explanations for both reasons. At XXXX XXXX XXXX XXXX  a woman complained about children 's behavior during a rainy day schedule at recesses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I served as a XXXX XXXX at that time ( XXXX XXXX XXXX ) and it was employed and as a sales clerk at the XXXX XXXX XXXX XXXX. This time was between XX/XX/XXXX to XX/XX/XXXX. At the XXXX XXXX XXXX XXXX a woman ( Lead Sales Clerk ) complained about having work done, my work wasn't completed due to the short staff. A woman worked that was hired around the same time as I left before I was terminated ( she worked nearby at the N.A.S.A. facility I believe ). Being a XXXX ( XXXX. XXXX XXXX ) working for the XXXX XXXX XXXX XXXX is a privileged position in my opinion and I took losing my job seriously. Also, I CURRENTLY receive socials security benefits and working the jobs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) I mentioned earlier helped me COULD HAVE stop receiving social security benefits. 


Sincerely, Writer XX/XX/XXXX
Consumer complaint received 2019-03-11
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. (GA)

I had a vehicle loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX XXXX XXXX to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Experian and they have not provided ANY verification. I have no proof they have even tried to fix this issue.