davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to formally file another complaint against Bank of America regarding what I believe to be discriminatory and fraudulent actions taken against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located here in XXXX, California. I XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
On or around XX/XX/year>, Bank of America froze my business checking account with no prior notice or explanation. Despite my efforts to reach out to the bank for clarification, I have not received any response regarding the reasons for freezing my account. On XX/XX/year>, the bank proceeded to close my account entirely, again without providing any justification or advance notice. 
As of today XX/XX/year> Bank of America has not returned the {$1.00} XXXX plus funds that were held in my business account, nor have they given me a clear explanation as to why my account was closed. This has severely impacted my business operations, as I rely on this account for day-to-day expenses and other essential financial activities. 
I believe these actions to be discriminatory and fraudulent. Bank of America 's lack of communication and confiscation of my business funds without due process has caused significant financial harm to my business and livelihood. 
I am requesting that Bank of America be investigated for their handling of this matter, as it is unacceptable for a bank to withhold funds without clear justification or explanation. I also demand that Bank of America immediately release my funds and provide a detailed explanation of the reasons behind their actions. 
Please find attached my Notarized Affidavit of Fact detailing the timeline of events and relevant documentation for your review.

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

We have had problems with BMO since they assumed our RV loan from Bank of the West in XX/XX/year>. We never received a notification of the change. Online payment option was disabled. Customer service number couldnt help until we had a loan number to give. By the time we received any information ( a past due notice in XXXX ) we were 3 months behind on payment. We promptly made a payment and promised to bring current by XXXX We mailed at check at the beginning of XXXX to bring current. However, had to make a phone payment and stop payment on check when they attempted to repo the RV. Since then, they have misapplied our monthly payments keeping the loan in 30 day past due status. They have illegally been charging late fees for the misapplied payments and negatively reporting to credit. We have requested a statement of account every month since XXXX and have not received anything. We have no idea what the balance of our loan is or how much in late fees they have applied. Up until XXXX, the account appeared to be ok, but since then they have been telling us were a month behind despite being presented with payment confirmation numbers. We have been blindly making payments monthly and have the proof of payments available.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (WI)

On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX on XXXX which cost {$220.00}. At checkout I was offered to sign up for Affrim to pay it off over a period of time. I accepted this and used Affirm to pay for the product at {$220.00}. On XX/XX/XXXX I returned the item to XXXX. The return was accepted by XXXX on XX/XX/XXXX and a refund was issued but not to me but to Affirm.By this time I had already paid off this short term loan to Affirm. I had {$1000.00} credit with Affirm. Here is where the problem starts. The " refund '' was added to my credit line with Affirm. I thought that if I used Affirm for another order on XXXX that I would be spending my refund instead of using my original credit line of {$1000.00}. This did not happen. Affirm then let me use my credit line which was now at {$1200.00}. It then set up another payment plan to pay this new amount which was {$200.00}. On Affirms website it says that I should receive a refund back to the bank account that I was using to make the loan payments. This has not happened to this date XX/XX/XXXXXXXX  The company is impossible to contact. When I call I get recordings asking me if I want to buy a medical necklace. No humans just recordings.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Account # XXXX XXXX XXXX  Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear XXXX XXXX, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision.

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau XXXX : XXXX, Equifax, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit.

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Consumer complaint received 2024-08-01
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (NJ)

Dear Credit Collection Services, I am writing to formally dispute the debt you are reporting in connection with my credit file. I request that you validate this debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I hereby invoke my rights under the FDCPA and demand that you cease and desist from all further communications with me. Please be advised that the term " communications '' extends beyond phone calls and emailsit also includes any reporting to credit bureaus. If you continue to report this debt to my consumer report after honoring my cease and desist request, it will constitute harassment and abuse under 15 U.S.C. 1692d. 

**Notice of Intent to Litigate : ** If this matter is not resolved promptly and to my satisfaction, I am prepared to pursue litigation. Please be aware that the costs associated with litigation may include : - Attorney fees : $ XXXX - Court costs : $ XXXX - Potential statutory and punitive damages : $ XXXX - Other associated expenses : $ XXXX These costs could potentially exceed {$10000.00}, for which Credit Collection Services may be held liable.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have had a credit representative sending bi-monthly letters to challenge the veracity of the information that they have listed on my credit report. The most recent letters to me have come mid XXXX XXXX. My representative has been sending letters to Experian, XXXX and XXXX. Both Experian and XXXX have responded by both email and USPS mail stating We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. XXXXXXXX and Experian go on to talk about how I can dispute this on my own and that theyre misrepresenting my credit information and blah, blah, blah about the credit company acting unlawfully. My representative has been sending these challenge letters for MONTHS now to all three credit reporting agencies and has represented herself legally from the beginning. Interestingly XXXX has sent NO communication at all to me. By the way, these letters all contain a picture of my drivers license, social security card and a utilities invoice to prove my identity. I am tired of their stall letters and want them to investigate my report. And please contact XXXX about their complete and total silence. They too are not doing their job.
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. (CA)

My accounts 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-08-31
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

There is a collections notice place on my account pertaining to XXXX and I do not owe XXXX anything nor do I owe this collection company anything. All debts to XXXX have been paid to XXXX and all equipment has been returned. I have Receipts and tracking numbers for proof.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX and XXXX XXXX XXXX, regarding their handling of two disputed accounts on my credit report : a {$10000.00} account with XXXX XXXX and a {$430.00} account with XXXX XXXX XXXX. 

Despite disputing these accounts for over XXXX months, I have received no resolution or proof of my connection to these accounts. The companies have failed to provide any documentation, including signatures or any other evidence, linking me to these debts. 

I believe that these actions are a violation of my consumer rights under the Fair Credit Reporting Act, which requires that creditors provide verifiable evidence of a debt before continuing collection efforts or reporting the debt to credit bureaus. The refusal to provide such evidence is causing undue stress and potential harm to my credit score. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX comply with all legal requirements. Additionally, I ask that these disputed accounts be removed from my credit report until verifiable evidence is provided. 

Enclosed are copies of my previous correspondence with XXXX XXXX and XXXX XXXX XXXX, as well as any responses received. I hope this information aids in the prompt resolution of this matter. 

Thank you for your attention to this issue. Please feel free to contact me at the phone number or email address listed above if further information is required. 

Sincerely, XXXX XXXX XXXX
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. (IL)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-01
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. (IL)

I looked at my credit report on XX/XX/year>. I tried contacting the creditor, but some accounts had already been given to a collection agency. I compiled my information and circled all the inconsistencies reporting on my credit report and filled out a Notice to Correct the Credit Report. On XX/XX/year> I sent the following information to Experian via USPS Certified Mail. The Tracking number was # XXXX XXXX XXXX XXXX XXXX. The 35 days has passed and I have not received anything back regarding the following accounts that had inconsistencies. Under the Fair Credit Reporting Act, the CRA has 30 days from my receipt of my letter disputing and asking for the verification and validation of the debt, to correct verify and validate what I was contesting. According to the Law, failure to re-verify these items within 30 Days constitutes reason to drop the information from my file. XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX 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. XXXX # XXXX XXXX. XXXX # 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. (OK)

" 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 "