davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had my identity stolen. Credit cards and other accounts were opened under my name by someone else. I filed a federal trade commission report ( FTC ) and a police report. They told me to send the reports to the companies that had opened accounts under my name and tell them that it was fraudulent account not opened by me. I did that and I also sent them to the credit bureaus. Most accounts were removed from under my name due to my identity being stolen but one account which is bank of America credit card. I have called them multiple times and sent them the reports that I received from the FTC and the police. I explained the situation to them multiple times. I have done multiple claims with them about this account being fraudulent. They make me wait 60 days from the time I make the claim with the reports. Then they contact me back two months later and say it belongs to me. I tell them every time that I did not authorize anyone to open this account under my name and this is a fraudulent account due to my identity being stolen. They have not followed the laws from the FTC or the police reports. They keep insisting that i have to pay this amount. This is fraudulent banking practice. Bank of America has been sued and lost multiple times in the past due to wrongfully practices and unfortunately I am the latest. I'm sure they are doing the same thing to other people across the country. They should do the right thing and cut there losses. That should do whats right and take care of this problem due to identity theft but they care about money doesn't matter if they get it from an innocent person who had nothing to do with the problem on hand other then the fact of being a victim of identity theft. This company needs to be investigated and punished for their wrong doing by this agency. If they don't take care of this problem and do whats right then I will have to take further action. I hope they do the right thing and get this fraudulent card removed from my name.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

On XX/XX/XXXX I deposited my bill money in netspend. They have blocked my card for third time this month. And now is refusing to unblock. All I am told is call this number and not once have I been called. I have called net spend over 15 times left 4 emails and over 10 voicemails to number they gave me. It's been over 2 days and now they just hang up on me. Netspend is not giving me my money back and isn't unblocking card. It's my money I deposited on there for my Bill 's. I have giving up and will just borrow some money till next oay day because my money is now gone
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> CFPB, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX on Experian, XXXX Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of an auto loan account that I previously held with them. 

Throughout my time with XXXX XXXX XXXX, I consistently made my payments on time. However, upon reviewing my credit report from XXXXXXXX XXXX XXXX I was alarmed to find that this account is inaccurately reported as a " charge-off. '' Furthermore, my Experian app indicates that the account status is listed as " Legally Paid Less than Full Balance CLS. '' It is important to note that a charge-off typically occurs between 120 and 180 days after an account becomes delinquent, which is not applicable to my situation. I believe this misreporting is in violation of the Fair Credit Reporting Act ( FCRA ), and it has negatively impacted my credit standing. 

I will be uploading all supporting documents related to this claim, including payment records and credit reports, to substantiate my position. 

I request that the CFPB investigate this matter and assist me in resolving this issue with XXXX XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2020-05-15
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. (MN)

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : XXXX XXXX XXXX XXXX XXXX, # XXXX / XXXX XXXX XXXX XXXX, # XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

1.Ive written and called Experian several times regarding this account. 
XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$690.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.
Consumer complaint received 2020-05-14
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (FL)

Received a call on XXXX XX/XX/XXXX from an agent from XXXX XXXX XXXX, a debt collector, claiming that I owed {$810.00} for a " Flexshopper '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least 3-4 years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

During the process of a mortgage application I strongly disagree with the method the underwriters calculate my monthly debt. Its fabrication. 

To calculate my debt, I disclosed my loans and credit card payments made every month. They divided my actual MONTHLY credit card payments by 67 months and used that number as my actual monthly credit card debt. This was despite showing them proof of over 12 months of regular monthly payments. Thereby decreasing my real credit card debt to approve a mortgage with a fabricated debt to income ratio. If they used my factual data my expenses exceed my new reduced income ( due to Covid-19 ).  Thats over a 100 % debt to income ratio. 

I was told that this process of calculating debt is a rule from the Dodd-Frank act and they can not consider my actual monthly payables! However, I feel this goes against the grain of the act! By this rule, lenders actually encouraging people to take a 3-5 % mortgage and pile up 18-25 % credit card debt, if they cant afford to pay it all!!! Because in my case I can not pay mortgage if I pay my credit card bills. I have to choose. I only realized this, as my husbands salary got cut to half due to Covid-19 but the loan officer insisted that I was going to be approved despite my home math didnt add up to cover monthly expenses.
Consumer complaint received 2022-10-11
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. (FL)

My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/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 a account without my written instructions
Consumer complaint received 2019-05-17
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. (TX)

A company XXXX XXXX added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had Experian dispute it and they left on my report ... XXXX removed it from theirs XXXX XXXX XXXX   XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CT)

I received an offer from American Express yet when I applied, I was NEGLIGENTLY denied. Their so called reasons were ERRONEOUS. Not only do I make SUBSTANTIAL income ( ironically more than most at American Express ),  my FICO score of XXXX NOT XXXX ( it is now due to American Express inquiry lowering it by 8 points ) is beyond acceptable for acquiring a credit card. I know others who received American Express cards with less than half my income and a worse credit score. Please explain that to me! 

Furthermore, my Financial Consultant who is handling my credit reports verified there are NO derogatory public record and ALL current accounts are paid as agreed. He verified that any past delinquencies and any collections are erroneous since I had auto paid and insurance. Therefore, if stated other wise, there is EGRIGOUS NEGLIGENCE on XXXX. 

In addition, please be advised, as it should be stated on my credit report, the serious delinquency American Express is trying to use as an EXCUSE is my mortgage. I was involved in a fraudulent Mortgage Company. When I refinanced my mortgage, thousands of monies paid were never applied to my mortgage thus the supposed delinquency As such, I am currently suing XXXX and XXXX XXXX XXXX. Hope, FHA and the FTC are aware of this scam. 

If my qualifications were not up to their standards then why did American Express give me an offer to apply? As such, my XXXXredit score decreased by 8 POINTS!! Obviously, I would of never of applied if I did not receive the offer to apply. This type of behavior is a shady manipulation at least. I found out after the fact that American Express is known for trapping people to apply who are expecting to be approved only to be denied.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-05-01
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. (CA)

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX 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 2022-10-11
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. (MA)

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  Account # XXXX, Acct name : XXXX Bank, Acct # XXXX, Acct name XXXX XXXX XXXX Acct # XXXX, Acconut name : XXXX XXXX XXXX XXXX  Acct # XXXX, Account name : 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 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 2022-05-01
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: Radius Global Solutions LLC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
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: The Receivable Management Services LLC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On the Experian report it shows the trade line State of Michigan-child support as a charge -off.It is not a charge-off.This trade line/account is paid in full and closed.It is not a charge-off
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (CA)

my account was closed due to The Early Warning report. i report this before but Early warning state it was not them to you and I. My XX/XX/XXXXwas not approve because this matter. title usc 1611 1607 1640
Consumer complaint received 2022-05-01
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. (IL)

- [ ] XXXX XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,