davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (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. 

BK OF AMER XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 : Collection/Charge Off ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX Inquiries : ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Collection XXXX. Collection XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Charge Off : XXXX. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 

4. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 

5. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 


Late Payment : 3. Late PaymenXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXXXXXX removed credit card account from Equifax report added a remark of " discharged by bankruptcy. '' Account was NOT discharged by bankruptcy. Credit card account is active and used daily. I tried to call XXXX XXXX and they said they can not discuss credit reports and told me to dispute with Equifax. I tried to dispute but Equifax says it's accurate. Credit score dropped from XXXX to XXXX
Consumer complaint received 2024-09-22
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. (GA)

I have provided Experian Credit reporting Agency all necessary documents to have accounts due to identity theft remove/block from my credit file. I have also contacted the creditors involve nothing has been done. I have provided police report, sign notarized theft affidavit and FTC theft report several times I am reaching out to CFPB in order to have this matter resolve finally. I did not open these accounts listed on my credit file and I do not deserve to have these accounts remain on my credit report. Please assist me with this issue
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XX/XX/2024 amount : XXXX
Consumer complaint received 2024-09-22
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 am writing to raise serious concerns about discrepancies I found on my credit report. During my review, I identified several errors, including incorrect account listings, inconsistent billing, and accounts that are not mine. These inaccuracies are jeopardizing my financial security, and I need your immediate assistance to resolve them.
Consumer complaint received 2024-09-23
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. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud.

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TX)

Over the past four months, I have discovered that OneMain has been providing incorrect information about my loan, which has resulted in significant negative impacts on my credit report and financial well-being. 

Specifically, the reported information includes months of delinquency being reported. These inaccuracies are unjustly lowering my credit score, making it more difficult for me to secure loans or other financial products under favorable terms. This has caused both financial hardship and emotional distress. 

I have made several attempts to address this issue directly with OneMain over the phone, but they have failed to take corrective action and insist on demanding a payment from me.
Consumer complaint received 2024-09-23
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-09-22
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. (WV)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-29
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 (FL)

Our home was flooded during Hurricane Helene and the flood insurance company gave us an advance check for {$15000.00} so that we can start with the repairs. The check was made out to us and the mortgage company, which prevented us from being able to deposit the check in our bank account without the mortgage company 's endorsement. We contacted the mortgage company and received instructions for forwarding the check to them for endorsement, along with a prepaid return envelope. 

The mortgage company has held our check for unknown reasons and refuses to endorse it and return it to us. This is creating an immense hardship for us and puts the ability to repair the home at risk due to potential mold growth.
Consumer complaint received 2024-11-01
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: JPMORGAN CHASE & CO. (ME)

This debt is in regards to a debt incurred due to economic abuse. In Maine as a victim of economic abuse as defined under the law I am protected and looking to exercise my rights under the law. I have made numerous attempts and sent in multiple copies of documents I am required to send in. Spent hours on the phone looking for the right place and help to get this matter resolved, with no real effort or appropriate action taken by this company. I have done what I am supposed to do, maybe this will be the way to get this urgent matter resolved before taking further legal action.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There was unathorized deduction from my checking account last year and this year. I complained it to Bank of America but instead of helping my claim they ignored and closed it. I dont recognized this company from XXXX at all. My checking account is Account number : XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # ally financial, Account name : # XXXX  XXXX # XXXX Account name : # XXXX XXXX, has violated my rights. 


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 2024-10-11
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: EQUIFAX, INC. (CA)

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 30 days. 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving them.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have never got my matter resolved since Bank of America is violating my rights. I have made 7 calls and left messages with the information below but never got a hold of anyone. The credit issue is damaging my life and demand this be resolved immediately. 

I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report related to my Bank of America account . This debt was canceled, and as such, under IRS regulations, it should be classified as ordinary income. However, it is still being reported on my credit report as an outstanding debt, which is contradictory. 

Furthermore, I have never received a 1099-C form, which creditors are required to send in cases of canceled debt over {$600.00}. Failure to issue this form is a violation of IRS regulations and the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically 15 U.S.C. 1681s-2 ( a ), requires furnishers of information to report accurate and complete information to credit reporting agencies. Since this is canceled debt and should not be reported as an active liability, the continued reporting is inaccurate and damaging to my credit profile. 

Additionally, this is a violation of 26 U.S.C. 6050P, which outlines the obligation of creditors to file a 1099-C when canceling debt of {$600.00} or more. The failure to provide this documentation raises significant concerns about the accuracy and legitimacy of the account currently being furnished. 

I request that this charge-off be removed immediately from my credit report, as the debt has been canceled and should no longer be reported in this manner. Please provide written confirmation that you have taken action to correct this inaccuracy, as required by the FCRA. 

Thank you for your prompt attention to this matter. I expect a timely resolution and removal of this erroneous charge-off. 




The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : Bank of America Account ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

Bank of America Account ( Opened : XX/XX/XXXXXXXX XXXX XXXX  ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

XXXX XXXX XXXX  : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

XXXX XXXX Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect.

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

For several years, starting around the year of 2015, I opened an account ( checking ) with SunTrust. It was me we explained how much it would cost me if I overdraft my account. My paychecks came in on every Friday and by the next I had already accumulated many overdraft fees, which doesn't add up. If I would have been informed properly of overdraft fees and there would have been conversation regarding opting out, I would have done so. I brought this up to the bank and was brushed off. I called and spoke with SunTrust and was basically brushed off time after time. After a couple of years, I was finished with SunTrust and XXXX XXXX on to XXXX. XXXX  XXXX the very same, but made right of their wrongs and refunded my family for all the overdraft fees for two years, which accumulated almost $ XXXX. Then, explained the overdraft fee, how it works and how to opt out, instead of being taking advantage of. As an old SunTrust member, I feel that I am owed. It seems wrong for the bank to benefit off of it's members. Funny how all these banks have realized and are refunding their wrong doings after being pressured by those they knew couldn't meet these overdraft fees and live by meeting bills, feeding their families, keeping a roof over their heads and just taking advantage of people 's hardships.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Ive done multiple jobs on the side ( XXXX XXXX XXXX ) whereas i was paid by XXXX on my Navy Federal account, However this one transaction was reported as fraud and because of that my XXXX was deactivated and also my bank account was permanently closed, this is unbelievable as this shouldnt be the case where if someone was paid for a service and the person paying reported the transaction then the other person would be to blame for a fraud transaction, without hearing the other side of the story ; because as things stands anyone can just report a transaction and close anyones account which I find to be absurd.I get paid in this account and Ive had this bank account for a while now with no issues and now they left me hanging because of a potential fraud transaction.
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tower Loan of Mississippi, Inc. (IL)

Tower Loans of XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both Tower Loans and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.