davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear CFPB XXXX Bank of America ; I am writing to formally dispute an account listed on my credit report by Bank of America, which I believe to be fraudulent. I have no knowledge of this account and have never had any prior relationship with this company or the original creditor. The balance reported is incorrect, and I have never entered into any contractual obligations with the mentioned entities. 

The inaccuracies in reporting this account violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I request the following documentation : Authorization Evidence : Proof of authorization under 15 USC 1692 ( e ) and 1692 ( f ) for handling this debt collection. 
Legal Basis : Documentation demonstrating the legal basis for the collection of this alleged debt. 
State Authorization : Proof of your authorization to operate and collect debts in my state. 
Debt Evidence : Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Account History : A complete account history, including all collection-related charges. 
Additionally, I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Under 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communications and collection activities related to this account. Furthermore, pursuant to 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written consent.

I request the immediate deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and the lack of any valid contractual obligation. Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights. Please provide the requested proof of this debt or remove the erroneous account from my credit report as soon as possible. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

My XXXX Bankruptcy was dismissed in XXXX, XXXX. And, it was deleted from my credit file but my credit score wasn't updated to reflect the bankruptcy being deleted. 

I can't dispute it since it isn't on my credit bureau report. I contacted Equifax on XX/XX/XXXX and spoke with XXXX, who informed me that the only thing that she could do was to provide me with an updated credit report. This doesn't reflect the update of my credit score when the Bankruptcy was deleted in XXXX. I explained this several times and ways and couldn't get it through to XXXX. I asked for a supervisor but none were available and would tell me the same information, per XXXX. 

I am reaching out for assistance with this matter.
Consumer complaint received 2024-08-16
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. (OH)

XXXX AND EXPERIAN HAS FAILED TO REMOVE XXXX XXXX  FROM MY CREDIT REPORT. XXXX HAS INVESTIGATED AND REMOVED THIS ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURACIES AND MY INFORMATION BEING INVOLVED IN A DATA BREACH. XXXX HAS FAILED TO REMOVE XXXX XXXX FROM MY CREDIT REPORT EVEN THOUGH THEY'VE YET TO PROVIDE ME WITH THE DOCUMENTS THAT I REQUESTED TO VERIFY THAT THE ACCOUNT BELONGS TO ME. IVE SENT SEVERAL DISPUTES AND NOTHING HAS BEEN RESOLVED. XXXX AND EXPERIAN HAVE TWO DIFFERENT CREDIT LIMITS AND OPEN DATES FOR XXXX XXXX AMONGST OTHER THINGS. I ALSO DONT RECALL THE ACCOUNT AND THEY HAVE NOT PROVIDED ME WITH ANY INFORMATION VERIFYING THE ACCOUNT IS MINE. I WILL ATTACH DISPUTE LETTERS AND THE DISPUTE RESULTS OF XXXX REMOVING THE XXXX  ACCOUNT. I WILL ALSO ATTACH MY FTC REPORT AS WELL.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (PA)

Santander Consumer. Does not apply my payments accordingly. Checking account was compromised at one point, called them, representative told me to stop payment on the check I had sent out to them, resend a check when things with my account got settled. Did what they suggested, they then refused to accept my check as payment from new account. Also said account was behind because " payment was returned, '' different payment than above, because were told by my bank, my account did not exist. Manager from bank called them, they were unable to say " when '' check was returned and " when '' bank said account does not exist. Therefore, I was reported to Credit Bureau, and my credit score was impacted. Recently, I was told I was behind {$190.00}, total including current month 's payment {$860.00}. Paid {$360.00}. Then Santander told me I was behind {$2300.00}. Multiple times they received my payment, said they didn't ; I could prove payment per my bank statement, by check number, but was still told payment was not received. They HAVE NOT been applying my payments accordingly. I was supposed to have deferment on some payments due to XXXX XXXX  and not working, they turned around and reported to the credit bureaus as " non-payment. '' I'm sick of their tricks, it's costing me a decrease in my credit score. They need to be stopped!
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-08-16
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. (CA)

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 information is inaccurate.
Consumer complaint received 2021-11-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am the third party assisting XXXX XXXX with submitting his documents to Mr. Cooper. Per the previous complaint filed, Mr. Cooper stated in their denial letter dated XX/XX/2021 that XXXX XXXX ' original loan modification request was deined for the alleged failure on XXXX XXXX part to turn in requested documentation. 

When Mr. Cooper was contacted and informed that XXXX XXXX had not been aware that there was any missing documentation in XXXX and simply received a denial notice for assistance followed by the notice to foreclose, Mr. Cooper agreed to postpone the foreclosure sale date until XXXX XXXX, 2021 to provide time to submit a completed package and/or alternative to foreclosure workout option since the home has equity. The new loan modification package was submitted in XXXX and we were informed the foreclosure sale date would be placed on hold. 

To this date, XXXX XXXX, 2021, neither myself or XXXX XXXX has ever been able to speak to a representative in the loss mitigation or loan modification department despite multiple and formal requests to contact by XXXX XXXX, myself and the multiple customer service representatives. Paystubs, tax returns, hardships letters, proof of additional supporting income documentation has been submitted without confirmation of review, acceptance or denial. Meanwhile, the forelcosure sale date has gone from being on hold to being active and scheduled to foreclose tomorrow, XXXX, ber XXXX, 2021 per a Mr. Cooper customer service representative. This is all despite the recorded conversations had on multiple occasions with Mr. Cooper representatives last week apologizing for the lack of communication and guaranteeing the foreclosure sale date was being postponed. 

Our file contains multiple written emails, documented phone calls and logs. In addition, the calls with Mr. Cooper are recorded and monitored for quality assurance. Our phone calls, including today 's, are hours in length of holding time only to have no one able to comment or advise on the account. This is also a VA loan and the borrower has stated that the experience we are having is the same he had, however, in the company 's response, they blame the borrower for not being responsive, communicative and responsible to the denial of his loan modifcation. As I write this complaint, the line with Mr. Cooper has once again been disconnected while I was holding for almost an hour to speak with a supervisor for assistance. Our records will show this has been happening throughout our attempts to help this homeowner.
Consumer complaint received 2024-09-30
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: LEXISNEXIS (TX)

On XX/XX/XXXX, I financed a vehicle through XXXX XXXX. In XXXX of XXXX, the vehicle was found to be totaled. I provided the company ( XXXX XXXX ) with all the information they needed. XXXX XXXX XXXX, I received a phone call about a late payment. I asked the agent, if they had the information, I sent regarding the vehicle that was requested. As of XX/XX/XXXX, the company is still charging me and the current balance is {$25.00}, XXXX.
Consumer complaint received 2024-08-18
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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX - Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 


XXXX XXXX - XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

For my Equifax credit score, they dropped me down by XXXX XXXX as of XX/XX/XXXX and removed any history of my XXXX XXXX XXXX, my first card I've ever received. If this can be fixed it would be much appreciated.
Consumer complaint received 2024-08-16
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. (TX)

I recently sent disputes to XXXX, XXXX, and Experian regarding inaccurate information being reported on my credit report. While the credit bureaus have stated that the Account Name and Account Number were properly investigated, I find this conclusion unacceptable as the Open Date, Date Last Active, and Date Last Reported are all inaccurate. This discrepancy is grounds for the removal of these accounts from my credit report.

Moreover, my rights under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) have been violated. The law explicitly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written permission for these accounts to be reported on my credit file.

Given these violations, I request the immediate removal of these accounts from my credit report. I expect prompt action to correct these errors and ensure compliance with federal regulations.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (MN)

I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.