davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did a hard credit pull on my account on XX/XX/XXXX and XX/XX/XXXX I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Bank of America reps XXXX # XXXX on XX/XX/XXXXat the cooperate office req # XXXX who stated it would be resolved in 10 days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit XXXX, XXXX and XXXX are doing nothing to rectify the problem
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

I originally filed a complaint to have a 30 day late reporting for XX/XX/2023 removed from my account. I am requesting removal the 30 day late reporting from my credit report given the extenuating circumstances of this issue. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I work away from home for 3 to 6 months at a time and there for do not receive mail on a regular basis. 
2. I believed I was signed up for automatic billing. I have XXXX  and heavily rely on autopay to make sure payments are made on time. 
3. I also rely heavily on paperless billing, email statements, and notifications on my account because, as stated above, I am not home for work for months at a time. 
4. Modern companies like XXXX  XXXX XXXX and XXXX, also send text reminders of upcoming payments. As someone with XXXX  XXXX  this is extremely helpful. US BANK doesn't have these services. 
5. I use myFICO to continuously monitor my credit. MyFICO notified me that I had a 30 day late for XXXX. XXXX. I never received a email, phone call, or text message indicating that I was late, payment reminder, or past due notice. Most modern banking institutions have these processes in place. And as stated earlier I'm not home most of the time to receive snail mail. 
6. Because of these circumstances please reconsider and remove the 30 day late from my credit report. I have never been late before or since. XXXX. 
7. With regards to payment made in XX/XX/XXXX and XX/XX/XXXX, which you didn't receive until XX/XX/XXXX, I have absolutely no control over the inner works how and when banking institutions process transactions and should not be punished for something I have no control over. Please reconsider and remove the 30 day late reporting. 

Thank you for reconsideration
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NJ)

I am filing a complaint regarding the inaccurate late payment reporting for my Self Lender account ( listed as SELF/SSTATBK ) on my XXXX, XXXX and XXXX credit report. I used this account to build my credit, and instead of supporting my efforts, it has reported me as " Late 60 Days, '' which has negatively impacted my credit score. Both XXXX and XXXX show this account as " Current, '' indicating no late payments. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623, which requires furnishers to maintain accurate records. My account is closed, fully paid, and carries a zero balance, yet XXXX, XXXX and XXXX continues to report an inaccurate late payment. 

Breakdown of the Data : Account Type : Installment ( Secured loan ) Account Status : Paid/Closed across all bureaus. 
Balance : {$0.00} across all bureaus. 
Date Opened : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) High Credit : {$720.00} across all bureaus Payment Status : XXXX : XXXX XXXX : Late 60 Days ( inaccurate ) XXXX : XXXX Last Reported : XX/XX/XXXX for XXXX and XXXX ; XX/XX/XXXX for XXXX. 
Payment History : XXXX and XXXX report consistent, on-time payments, while XXXX inaccurately reflects a late payment. 
This inaccurate reporting is damaging to my credit profile and undermines my efforts to build a positive credit history.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On Thursday, XX/XX/XXXX I deposited my paycheck like I always do through my Chase app. Chase did not release any of the funds as they usually do. The next morning on Friday the XXXX I was calling Chase to find out why and at the same time started receiving text messages regarding fraud. THERE IS NO FRAUD!!! Chase had me locked out of my account!!!!! They have terminated business with me, and would not give me an explanation as to why. I have called Chase at least 15 times begging them to give me my money from my paycheck I deposited. They refuse. They are telling me that XXXX XXXX  ( now XXXX  ) cant confirm the check until the XXXX, which is a lie because I have a printout from XXXX XXXX  ( now XXXX  ) showing the check was cleared. Not only that, when I called the branch in XXXX, it was confirmed by the teller that the check cleared Chase Bank on Saturday, XX/XX/XXXX. The check in question cleared XXXX XXXX  ( now XXXX  ) on Friday the XXXX, and it cleared Chase Bank on Saturday, XX/XX/XXXX. Part of that paycheck was to pay my rent, yet Chase refuses to give me my money. Every day Chase holds my money. I am being billed an additional {$50.00} in late fees. As it stands now, I will not have enough money to pay my rent because of late fees acquired and was told by my landlord I will be receiving an eviction notice. I was left without one single dollar to my name to be able to buy gas to get to work or food.
Consumer complaint received 2024-10-03
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
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. (GA)

I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with XXXX XXXX XXXX XXXXXXXX and FEDERAL LAW 1006.26.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt is reporting as not being paid each month. They literally told me on the phone they would not report negative to my credit report and the payments have come out as automatic withdrawals. The payments have never been late. I have the charges on my account. Theyre inconsistent at best but the derogatory marks need to be fixed late payments need to be fixed and they need to not report if thats what they claim is that they never report under any circumstances!, but to be on automatic withdrawals and and have plenty of money in the bank then report missed payments is obsurd.
Consumer complaint received 2024-10-03
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. (KY)

Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with Ally Financial ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

Filed a CFPB complaint on XX/XX/XXXX that I could not access my credit report. Experian responded on XX/XX/XXXX that I had closed my membership in XXXX and advised me to open a new membership. I tried to open a new account and the response on Experian website you have already created account and site led me to the login page. Tried to login again and received account blocked. 
My only option seems to be getting a lawyer involved if I cant get Experian to grant me access to my account.
Consumer complaint received 2024-10-03
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. (KY)

Subject : Request for Removal of Late Payments Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX account number : XXXX ) to request the removal of two late payments reported on my credit history, specifically in XX/XX/XXXX and XX/XX/XXXX. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation acknowledges the importance of providing assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payments, as they have significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

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 Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX  I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter.

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt.

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts.

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies.

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
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. (KY)

Subject : Request for Removal of Late Payment Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX ( account number : XXXX ) to request the removal of a late payment reported on my credit history, specifically in XXXX and XX/XX/year>. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation aims to provide assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payment, as it has significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc. (CA)

under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt. Nor therefore any such debt, in fact exsits.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Greene & Cooper Collections LLC (KY)

I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
Consumer complaint received 2024-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to you in reference to a problem I am having closing on a XXXX XXXX XXXX due to a Bank of America FHA XXXX  Lien XXXX  for {$25000.00}, that's stalling the XXXX  Loan process. The XXXX FHA loan was paid in full on XXXX XXXX, 2014, in the amount of {$260000.00} by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX  XXXX. 

Bank of America recorded the full payment amount of {$260000.00} as satisfied, however the mortgage XXXX  Lien outstanding amount of {$25000.00} is still open with the county clerk 's office. The title servicing department was XXXX XXXX XXXX. 
The {$260000.00}, included the {$25000.00} I have made several attempts to rectify this problem to no avail. I had reached out to Bank of America, XXXX XXXX XXXX ( the recording company ) and the Settlement company to have this Lien remove from my property title as well as FHA. It's frustrating that this issue has been going on since XXXX  2014 and with each call, visit or email no one follow through to rectify this problem.