davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (FL)

To whom it may concern, I have recently pulled my credit report and notice that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debit. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promise to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal, trouble for your company.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

IC systems placed a collection on my credit report that is not mine. I talked to the company and they even have a different social security number for me, but still placed this debt on my credit report. 
This account is not mine, I am handicapped and elderly and have not had a XXXX account in many years. There is someone who has my information, and I don't know who, they tried taking money from my bank account as well. I need to remove this asap.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc. (MS)

The manager named XXXX has repeatedly shared my account information with a party not on this acct. I have asked XXXX times to stop this. I have reported this to his manager as well as another location manager. I was refused contact with corporate or owner to resolve. The info he shared included threatening repossession to the XXXX XXXX if they didnt pay my acct. I requested that this person XXXX be denied any access to my personal info as well as any further action on his part for my acct and this was refused.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My husband and I have had an account since the early XXXX with Bank of America. I check my account with Bank of America daily to make sure purchases and payments were handled correctly. I tried to sign into my account on Tuesday night, XX/XX/2024. It had a message on it that I could not access the account and to call XXXX XXXX XXXX. I attempted to call it that night but the department was closed. I called on Wednesday, XX/XX/XXXX and spoke to XXXX ( female ) why I couldn't access my account She said they had frozen the account because of " possible fraud activity. '' We went through the transactions and I verified all of them as valid. She then said that " you order frequently and people your age are often the victims of fraud. '' I am XXXX XXXX XXXX and keep a close eye on my account because I know that fraud does occur. I had already verified the transactions as being valid so I don't know what she was referring to. She then told me I had to go to a branch that had an open lobby and show two pieces of identification to take the freeze off. The only branches in XXXX only have ATM access and no open lobby. Upon looking further, the only open lobbies are in XXXX, WA which is XXXX miles away or in XXXX, XXXX, which is at least the same distance away. It is unreasonable to expect a client to have to drive that far to simply present two forms of identification. I then informed her that I would be closing my account. She offered to transfer me to a department to do that. I told her I was much too angry at that point and I would call back.The customer service department can not unfreeze the account but can close the account. I immediately went to a XXXX XXXX XXXX and opened an account while only presenting one piece of identification. I believe this is blatant age discrimination against senior citizens, and considering anyone over a certain age to be senile and irrational. 
Of interest, Bank of America did not contact me to let me know what was happening. I had to contact them. This could have had devastating effects if I didn't keep a close eye on it, because of my bill pay set up. It could have caused nonpayment of bills which would affect our credit rating. I believe this could fall under the classification of fraud in and of itself. As of right now, the account is still frozen until I travel hundreds of miles to present two forms of identification to prove who I am.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc. (ID)

I started out with this company with an auto loan in which I fulfilled the terms of that contract so I chose to use them again on another vehicle that I purchased. My payments were made on time until there was an issue with repairs that the vehicle needed and come to find out the dealership knowingly put the wrong transmission into the car and sold it to me and that can be verified by the actual manufacturer last dealership where they had brought the car in for a new transmission to be installed and the manufacturer told them that the transmission they purchased was te wrong one and that they wouldnt be able to do the repairs so they had it repaired with there personal mechanic through a mechanical shop that XXXX XXXX XXXX owns. So I was going through a court litigation with the auto dealership and with the finance company. The judge awarded the plaintiff the amount of {$5100.00} and I was awarded back my car without the finance company being allowed to stay on as the lien holder. Months later I noticed on my credit report that the finance company changed the contract terms from an auto loan to an installment loan and began to charge interest on the court ordered balance that the judge ordered for me to pay them back which is illegal. I have not signed a new contract with them agreeing for them to change any terms of our contract. The judge cancelled out the terms of that contract and ordered me to only be responsible for {$5100.00} so I am filing a complaint against this business for not following through on the terms set by a judge and for trying to extort me for more money than I actually owe them
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear CFPB, I am filing a formal complaint against Bank of America ( BOA ) regarding their egregious actions on my credit card account ending in XXXX. These actions are not only detrimental to my financial well-being but also raise serious concerns about BOA 's adherence to fair banking practices. I suspect these actions aren't isolated to me.

Arbitrary Credit Limit Reduction : BOA abruptly slashed my credit limit to a mere {$500.00} without providing any justifiable reason. ( My receipt of this attached letter proves that Bank of American does have my new address ). This punitive action, executed without prior notice, has severely impacted my credit utilization ratio and consequently damaged my credit score.There 's money to be made by charging unfair fees. 

Negligent Statement Delivery : Despite providing BOA with my updated address ( documentation attached ), I have consistently failed to receive monthly statements. With monthly statements, " a payment can be made ''. This gross oversight on BOA 's part has resulted in unwarranted late fees and damaging credit reporting for both myself and my husband, XXXX XXXX, who is an authorized user. 


Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (FL)

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 XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 2021-06-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received an alert that my HELOC card was trying to be used at store and that my card was being blocked. I reached out to Bank of America around XX/XX/XXXX and advised that it wasnt me who attempted the transaction. After logging into the account ; I noticed I couldnt see any of the transactions done on the card through the mobile app. Once I was able to get to my computer ; I noticed 5 other fraudulent charges that happened on my card. On XX/XX/XXXX, I spoke with an agent who said he had filed a dispute for the charges. After he did that he transferred me to the fraud department of the HELOC where I spoke to a woman who also stated that she disputed the charges. I call back the next day because I seen that the fraud alert was still attached to my account when I attempted to login. When I spoke to the rep XXXX, he advised me that he couldnt see any open or closed disputes on my account. Ive been told now around 4 times over the span of week an excuse why this bank isnt doing their job in removing the fraud block on my account and actually disputing the fraudulent charges. I have been told people will call me back and to no avail. Im at the point of wanting to get a lawyer involved for the TERRIBLE BUSINESS PRACTICES being committed by a bank that is supposed to protect me and my account against fraud. Also, havent received a notification of a new card being sent even though I sent a signed a letter with my DL and social security card attached requesting a new one. If this situation isnt rectified within the next 72 hours ; I will have no other choice but to start legal proceedings.
Consumer complaint received 2022-06-10
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. (NY)

XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under XXXX XXXX XXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/24 my credit card company XXXXXXXX XXXX XXXX reported my credit card account ending XXXX to all three credit agencies. Only one credit agency which is XXXX is the only one thats reporting. Im having issues with XXXX and Experian to report my credit card account on my report. I reached out to not credit agencies on numerous occasions.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In

accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protection consumer protected rights to my privacy and confidentially under 15 USC 1681. Account Name XXXX XXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX  Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). 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 2022-10-10
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. (MA)

In accordance with the fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, ACCOUNT # XXXX XXXX. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently XXXX and Experian are inaccurately reporting delinquencies into my credit profile.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Acct XXXX XXXX,  Acct XXXX XXXX, Acct XXXX has violated my rights to privacy. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (NY)

On XX/XX/2024 we received a letter from PNC bank. They suspended access to our Home Equity Line based on credit review and stated that the reason was failure to pay or perform obligation owed to others as evidenced by one or more of the following on our credit report : Non payment Late payment Deliquency... 
Etc. 
All of this is a flat out mistake. We have a 100 % payment record. And can easily prove with a run of our credit. On XX/XX/XXXX I submitted my appeal via fax as per their instructions. They claim to have a 30 day window for response. As of XX/XX/XXXX I heard no response. I called to complain and have been ignored. We provided more information as they asked. XXXX and proof of employment. And they still are ignoring us. They suspended access because of a mistake. They refuse to fix their issue. The closing of the line on our credit reports cost us a XXXX point drop.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX and Experian have not been doing thorough investigations of information on my credit reports. I have asked for signed documents stating I agreed to a contract to owe debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and never received any info, however the information is steadily reported as accurate!
Consumer complaint received 2023-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hey cfpb i checked my credit report and noticed there are some errors within it so now im writing in a dispute to see if i can get these deleted because there are not 100 percent accurate from what i'm seeing, I have also reached out to Equifax. This damaged me and held me back so now i have to take action. Thank you for your time.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.