davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (NC)

I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. 

XXXX XXXX XXXX assisted multiple XXXXXXXX XXXX XXXX XXXX  with self-attestation letters to block information associated with XXXX XXXX Equifax is refusing to block information from XXXX XXXX victims files after submission of all required documentation. 

Equifax is being negligent and taking discriminatory actions against these victims which is causing further harm to the XXXX. I have documentary evidence on how Equifax has blocked some victims information on the reports and denied other victims request for blocking information even though the documentation provided was the exact same. 

Equifax is also denying due process to some victims after the submission to block information by stating they are sending 2 notices to rectify the block request and never sending the stated notices to the victims. 

Equifax is depriving the rights of XXXX XXXX victims. These victims are looking to pursue legal action through the Attorney General because the XXXX does not have a private cause of action in Federal Court. Although, there are state laws that these victims can pursue for the violations.

I am requesting that the CFPB take action in investigation the deceptive, discriminatory and unlawful actions taken by EQUIFAX against these victims of XXXX XXXX and the laws to protect them under XXXX and the XXXX.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX XXXX of 2023, scammers got my card and bank login information. They spent over {$2000.00} on my cards, sending money through XXXX, the XXXX XXXX the XXXX XXXX, and my Fifth Third Bank account itself. I have included screenshots of the transactions in this claim. I filed a dispute with Fifth Third Bank and received provisional credits on XX/XX/year> totaling in {$2100.00}. During this time, Fifth Third sent me a letter asking for my confirmation and signature that the charges were fraud. I signed and sent the confirmation back. But then I never heard from the dispute department again. On XX/XX/year>, they reversed the credit and took back {$2000.00}. I felt so upset and defeated over this. I again never heard back when I disputed their finding. ( Then fraud happened on my Fifth Third credit card again recently and that dispute has also been mishandled by Fifth Third. So now I'm reporting every instance in which they've taken advantage of me. )
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

My complaint is against Mountain America Credit Union. When I signed up for auto loan, credit card, and short term loan we ( me and wife ) were told that should I become XXXX XXXX XXXX XXXX XXXX the credit union would pay for my auto loan, credit card, and loan. Instead after having this insurance for almost a year, I was temporarily XXXX XXXX XXXX XXXX XXXX  reported late payments to credit bureau which dropped me and wife 's credit by a XXXX points. I went from XXXX credit to XXXX. 
XXXX keeps putting it off as a third party issue because they go through XXXX for insurance. But XXXX  was never mentioned during contractual agreement. XXXX has so much complaints for fraud it's ridiculous. I would like XXXX to reimburse me all my payments to this insurance policy that was false advertising. I would like my payments for the XXXX months made to auto loan, credit card, and short term loan reimbursed to me. And them to send me {$23000.00} for the lost of time And XXXX XXXX from the issue
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Experian keep saying that account is verified as accurate and thats incorrect. Incorrect and Inaccurate information must be deleted according to the FCRA. This is an ongoing issue. This Child Support order information is completely misleading. What is unacceptable is that they continue reporting that they confirm information with the creditor but thats not true at all. I have the information from the creditor and its not even close of what Experian is reporting.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their refusal to reimburse me for unauthorized transactions made using my stolen credit card. On my phone and credit card were stolen. Despite promptly reporting the theft to Bank of America and disputing the unauthorized charges, they have denied my request for reimbursement. 

I believe this is in violation of consumer protection laws, particularly those related to credit card fraud and unauthorized transactions. I have followed all necessary steps, including reporting the theft immediately, but Bank of America has not resolved the issue in my favor. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that Bank of America complies with its legal obligations to protect consumers in cases of fraud. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by Bank Of America Corporation . The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off. 

Details of the Charge-Off : Creditor Name : Bank Of America Corporation Account Number : XXXX Amount : {$36000.00} Legal Basis for Complaint : XXXX XXXX  vs. XXXX, XXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 
XXXX XXXX XXXX XXXX vs. XXXX, 2001 : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for Bank Of America Corporation to continue reporting this debt as a charge-off on my credit report. 

Previous Complaint : I previously submitted a complaint to the CFPB with complaint ID : XXXX. The company agreed to a resolution but has since failed to contact me or provide any resolution.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (AR)

I am in a XXXX XXXX bankruptcy and this collection company Wakefield and Associates has put this collection on my credit report and is trying to collect and this is violating Bankruptcy Code. I have sent a message through there communication portal and have disputed this collection on XXXX and XXXX. They need to take this collection off my Credit Report ASAP!!
Consumer complaint received 2024-10-15
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  UNAUTHRORIZED INQUIRIES : XXXX XX/XX/year>
Consumer complaint received 2024-10-15
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. (LA)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX - 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 - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
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. (OH)

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 Account # XXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Consumer complaint received 2024-08-02
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: WELLS FARGO & COMPANY (NY)

In XXXX of XXXX, I made a phone call to Wells Fargo stating I would like to close all of my accounts with the company. The representative helping asked if I'd like to close my savings account as well to which I responded yes along with my credit card account. They stated my accounts were closed however months later I noticed my credit score went down drastically. After calling to discuss how I already closed my account and should not have any outstanding balances it turns out an autopay charge from XXXX of XXXX had been interest for several months. I told them that this didn't make any sense and I don't feel as though I should be responsible for paying the accrued amount since I had already closed this account. Rather than investigating the issue, they suggested I settle which I did immediately to rectify the issue. However, I was not aware that settling would worsen my credit score and that the late payments would remain on my credit report. As of XX/XX/XXXX, my Wells Fargo case manager reviewed the phone call and mentioned they could escalate the issue to their manager but that they've never reversed a settlement before. Despite substantiating the fact that I intended to close all of my accounts including my credit card on the XXXX phone call, it seems that Wells Fargo is not willing to accept accountability for the representative 's error and help remove the negative mark from my credit report.
Consumer complaint received 2024-10-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (WA)

This is a follow-up to a complaint filed on XX/XX/XXXX ( in which Mr Cooper used XXXX deceitful tactic in an effort to avoid responding ) and a follow-up complaint filed on XX/XX/XXXX that an agent with CFPB suggested I file XXXX 
On XX/XX/XXXX, both my renter and I who are out of town, saw clips on our security cameras with people entering our property through the locked gates, climbing through a window of the studio where my renter stores items, rummaging through our items and the locks were changed. This was discovered by having a neighbor and a realtor friend check on the property after seeing this. Because of Mr Cooper 's lack of communication with both myself and counsel, we have no clue if this is of their making. My senior lead officer advised I file police reports. I have emailed Mr Cooper but have yet to receive a response.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of XXXX XXXX XXXX reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX XXXX profiles I have no knowledge of. 
There are XXXX accounts from a company by the name of Affirm reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.
Consumer complaint received 2024-08-02
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. (NV)

In regards to item, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. XXXX, Experian, and XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title.

15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services.