davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America Account number XXXX Routing : XXXX My name is XXXX XXXX XXXX, few months ago a have received a check the amount of {$1700.00} with a latter from whole food market. 
I asked some of my friends do you know whats this check from? They said its under your name you can deposit the check. 
I deposited the check via mobile deposit I got a note it will be available in 3 days, after 3 days it extended for another 3 day before that I received an email from bank of America that we are going to close your account. I called bank of America costumer service they said you deposited a fraud check and we will close your account.

I requested a lot if they understand me that I am not the printer, signer and issuer of the check, I am a kind of victim in this case, they said if youre not expecting any check why you deposited, the decision is final.

They closed my account and reported to check companies like early warning, check system deposited fraud check. 
Now I have no bank account and cant open any account, I am working as a XXXX XXXXXXXX and my payment is direct deposit, my employer cant issue any check for me. 
I have XXXX kids and wife, my wife has XXXX XXXX XXXXXXXX and not able to work, I am the only one whos working, and I am not able to pay even {$5.00} for parking, I have to pay my bills like rent, water etc... with bank account. 
I am requesting from you please help me. 
I dont want to be homeless and me with my family be on the street. 
please don't punish my kids because of my mistake and my mistake is deposited a check I was not expecting that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

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 on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX Bank 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 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX - on the behalf of - XXXX XXXX XXXX on XXXX -The Business Backer on XXXX -The Business Backer on XXXX -The Business backer on XXXX -XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681 BA ( 2 ) - permissible purposes of consumer report. 

These codes i provided above explains how they violated my rights and i wish to have these removed. Because of these inaccuracies i have been in XXXX doing these times in need. These Laws have been broken and i want justice.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from XXXX XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX  XXXX and XXXX bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 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 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WI)

I sent letters to 2 addresses on XX/XX/XXXX and never received a response ( copy of letter attached ). I have also attached the tracking verifications from USPS. Also attached is a Sheriffs Sales listing that our home will be auctioned on XX/XX/XXXX. I have gone around and around with these people and the problems THEY have created. Foreclosure was started in XXXX of XXXX. Copies of checks they cashed with statements. Payments were set up for automatic transfer but somebody at Specialized Loan Service cancelled that agreement without out permission or knowledge back in XX/XX/XXXX. Three payments were deducted from out account... but then returned to the bank at a later date. As soon as I saw what happened, I sent a check. Can they legally change the payment plan without our permission or even letting us know? Nothing makes any sense at all about the payments. If they had been applied properly, I believe the Account would have been current in XXXX of XXXX when they started refusing my checks and started the Foreclosure process. Would THAT be legal? Payment break down from SLS was $ XXXX/Principal ; $ XXXXInterest and {$39.00} interest. The amount of Principal would have gone down MORE than {$12000.00}. When the balance was transferred from XXXX, it was {$78000.00} with {$3000.00} Escrow balance. The amount they say I owe is ridiculous. They have added THEIR attorney fees and thousands of dollars for unexplained charges. I applied twice for restructure. First to get time to get to the bottom of it ; 2nd when I was battling XXXX. Both denied. I also tried to send a large payment ( {$12000.00} ) and it was not accepted ( copy of letter attached ). I have also attached Escrow information. My bank will provide a spreadsheet which I'm sure would be easier ( I also offered that to them ) ..but I have to request it and pay $ XXXX/hr. Should I be reporting this to RESPA? Can you help?
Consumer complaint received 2024-09-26
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. (LA)

XXXX XXXX XXXX XX/XX/XXXX SS # XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( bank ) XXXX XXXX  with a balance {$940.00}, ( Collection ) XXXX XXXX XXXX with a balance {$170.00}, ( Loan ) XXXX XXXXXXXX with a balance of {$0.00}, ( bank XXXX XXXX XXXX XXXX  with a balance of {$0.00}, ( bank XXXX XXXX XXXX XXXX  XXXX with a balance {$0.00} ( loan ) XXXX with a late payment XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX  late payments XXXX, ( inquiry ) XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (GA)

I am formally addressing a serious issue regarding identity theft that has directly affected me. Recently, I discovered that several bank accounts have been opened in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. 
I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be thoroughly removed from my name to prevent any further complications or damage.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Hello. 

I was injured and called Kia/Hyundai and we agreed on a 2 month deferment. Meaning XXXX and XXXX Payments would be added to the back of the loan with no penalty besides interest. This would make my first payment due XX/XX/XXXX. 

The agent told me I was all set now they went and reported my payment 30+ days late even though I called 3-4 days prior to 30 day late mark! They assured me I would not have to worry about being reported delinquent. 

please help me Im desperate as this dropped my score XXXX  points after being told I had a deferral.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am not liable for this debt of {$5800.00} with LVNV Funding LLC account number XXXX. I do not have a contract with LVNV FYNDING LLC, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-09-26
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. (OR)

In XXXX of XXXX i was a victim of identity theft. There was an account unauthorized by me open by Affirm inc. the account was charged off to me for XXXX $ i was unaware if this at the time of charge off. I have already requested a complete debt validation from this company and have been ignored. They are in violation of the FCRA in reporting this fraudulent identity theft of an unauthorized account. 15 USC 1681b, 15 USC 1692. I have the proof from Affirm that I am not responsible for this account which I will include in this complaint. Experian have 5 business days legally to block this reporting on my consumer report knowing its fraudulently identity theft. If the proper steps are not taking immediately I will be pursuing legal action.
Consumer complaint received 2024-09-26
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

My name is XXXX XXXX, I am a senior citizen and do not use online banking much. I have a Discover credit card and set for automatic payment from my Discover Savings account. My retirement income is deposited into XXXX XXXX I have set up the transfer of {$200.00} from XXXX XXXX to Discover Bank on XXXX XXXX XXXX by XXXX, and XXXX indicated that the transfer would arrive at Discover Savings account on XX/XX/XXXX. However, when I checked my Discover credit card account today, I found Discover charged me {$30.00} check refund fee, since the {$200.00} deposit was late deposited on XX/XX/XXXX, and the Discover credit card charged a payment of {$150.00} on XX/XX/XXXX. I am not sure what's going on with the XXXX process between Discover and XXXX, but I don't do anything wrong. I called Discover customer service, but they insist on charging this {$30.00} check refund fee, which I feel is unreasonable since I can not control the XXXX  process between banks.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

My bank account was compromised and my XXXX XXXX money was sent to another user. Wells Fargo said denied my claim stating I authorized the transaction, and because XXXX XXXX is a third party they could not dispute it. I also submitted a claim with XXXX XXXX and they said there was nothing to be done on there said.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (IL)

Fay Servicing will not credit account for XX/XX/year> payment which was mailed. Account past due for XXXX as well as current month. This is the second instance that the servicer denies receiving payment, only to subsequently return mailed items weeks after they have received them. 

Fay Servicing has filed default paperwork against the mortgage as of XX/XX/year>.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (VA)

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I have contacted MIDLAND CREDIT MANAGEMENT AS WELL AS XXXX XXXX XXXX AND INFORMED THEM THAT I AM NOT RESPONSIBLE OF THIS DEBT, I HAVE BEEN A VICTIM OF IDENYTITY THEFT, I HAVE NO KNOWLEDGE THAT SOMEONE OPEN UP THESE ACCOUNTS IN MY NAME, THEY NEED TO REMOVE THESE ACCOUNTS FROM MY CONSUMER REPORTS IMMEDIATELY ITS AFFECTING THE ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
Chapter XXXX V/N DISCOVER BANK  XXXX, DISCOVER BANK XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WA)

I received a letter from LexisNexis concerning information I had sent to correct my credit report. LexisNexis provided a URL that I could use to access my credit report. The problem is that the URL provided never came up so I couldnt access my credit report. 

The Consumer Number on the letter is XXXX The XXXX XXXX is XXXX
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.