davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection and Derogatory Remark - False Information Dear XXXX, I am writing to dispute a collection and derogatory remark that is currently appearing on my credit report. The inaccurate information in question relates to an account held by XXXX XXXX XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXX Date of Collection : XXXX Upon reviewing my credit report, I discovered that the collection and derogatory remark attributed to XXXX XXXX XXXX is erroneous and should not be listed on my credit profile. This false information is not only damaging my creditworthiness, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates accurate reporting by credit reporting agencies. 



I kindly request that XXXX thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. Specifically, I request the following resolution : 1. Fast Removal of the Collection : I urge XXXX to remove the collection account associated with XXXX XXXX XXXX from my credit report as soon as possible. Given the false nature of this information, its continued presence on my report is detrimental to my financial well-being and creditworthiness. 



2. Fast Removal of the Derogatory Remark : XXXX should also eliminate the derogatory remark linked to XXXX XXXX XXXX from my credit report. This remark unfairly tarnishes my credit history and misrepresents my financial responsibility. 



I understand that, according to FCRA Section 611 ( a ) ( 5 ) ( A ), XXXX has 30 days to investigate and respond to my dispute. It is my sincere hope that this matter can be resolved swiftly, ensuring the accuracy and fairness of my credit report. 



In addition to this written communication, I have attached copies of supporting documents that validate my claim and provide evidence of the false information. Please review these materials carefully as part of your investigation. 



I expect regular updates regarding the progress of my dispute and request written confirmation once the investigation is complete. Moreover, I would appreciate receiving a revised copy of my credit report reflecting the removal of the collection and derogatory remark from XXXX XXXX XXXX. 



Thank you for your immediate attention to this matter. I trust that XXXX will handle my dispute with the utmost professionalism and resolve the issue in a timely manner. Please do not hesitate to contact me if any further information is required. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I had my Wells Fargo credit card turned off during the month of XXXX because I had just started a new job. A fraudulent charge went thru the account around XX/XX/23 even though It was turned off causing a fee for it overbalancing. I end up disputing the charge instead of reporting fraud ( a mistake on my part ). The next month another fee hits with out the dispute being resolved so I called them. They informed me I filed wrong action and pointed me to the fraud department. While filling at my fraud report with the department I asked the lady if I would have to pay those fees back immediately or if they would get refunded when this was resolved and she told me they would be refunded and not to bother paying them. Also claiming the account would be suspended till resolved. The original dispute even though being 2 months old at this point was still in the system making it so I couldn't file a fraudulent claim. Neither one of the two scam department reps informed me of this and another month goes by and a late fee on the account that was supposed to be suspended. That's when I call an find out the original claim blocked the fraud claim for going into action and no one told me or contacted me. The dispute supposed to expire after a month so I didn't even know 3 months later it was still active. They have refused to refund any of the initial fees nor any of the subsequent fees from their incompetence with filing the scam report. I filed a complaint and the lady who filing the complaint hung up on me. Later when someone reached out and I pointed out what they want they tried to claim none of the fees where related and they weren't going to pay a single one back. At the very least the late fee for an account that supposed to be suspended is unfair but to deny the obvious fees for the charge. They also deleted my old card and sent me a new one deleting all records of the events.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

have this BoA debit card since 2011  I think it s alredy been 10 years! And I get a letter from them XX/XX/XXXX they said my bank will be closed, I dont know why, I try to call them ask why, they said they cant tell me Please help me I just try to open new account to use
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (IN)

EXPERIAN is allowing XXXX XXXX stay on my credit report whom The original debt was from XXXXXXXX XXXX XXXX. where I received a credit card in XXXX I had a bankruptcy in XXXX this was included in my bankruptcy However it appears they sold my account to XXXX XXXX. and they account marked past due status also incorrect date, the Terms listed as monthly or one month. The collection company collection from the state of Illinois Under 15 U.S 1681p should be removed credit report.

Under the FCRA Law 2 year rule
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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.

The letters are stated with items and issues.

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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I want to inform the Equifax and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 

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
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My puppy chewed a XXXX dollar bill, and tore it into pieces. I went to Truist bank, where I bank, and asked them to change the bill for one that was not damaged. When they refused I asked to speak with the bank manager, XXXX XXXX. He was not there, and wouldnt be in until after XXXX. I was told that if there was not sixty percent of the bill that they would not be able to exchange it. But the bill was almost entirely present. And both lines of the serial number was able to be read. I asked when the manager would be in and the teller was extremely rude, saying that he would be there after XXXX, but that he would tell me the same thing. When I returned he did in fact say that there was nothing they could do. Even though the treasury states that they only need fifty percent of the bill, and I had well over eighty percent of the bill. They then preceded to insinuate that I was attempting to pass of a counterfeit bill. I left and went next door to XXXX XXXX and they exchanged it with no problem. The tellers, and the manager were both extremely rude. And they also went out of their way to make me feel as if I had done something wrong, when in fact it was them who were not following the federal guidelines.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DRIVE NOW ACCEPTANCE LLC (IL)

Here is a draft complaint letter for the CFPB regarding Drive Now Acceptance : Dear Consumer Financial, I am writing to file a complaint against Drive Now Acceptance ( DNA ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consumer protection laws regarding debt collection and [ wage garnishment. 

My wife and I purchased a vehicle from XXXX XXXX XXXX, an affiliate of DNA, on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, I became ill with XXXX and contacted DNA to voluntarily surrender the vehicle due to financial hardship. DNA instructed us to return the vehicle to XXXX XXXX XXXX, which we did. DNA  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, DNA  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, DNA  changed the report to " '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, DNA illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

DNA  has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws ] regarding debt collection and wage garnishment procedures in Illinois. According to my credit report there's a balance of XXXX. I have no documents or paperwork to validate this. Was the XXXX sold? I have the right to have documentation regarding the sale price. Was the amount deducted from the balance? It doesn't appear so. If it hasn't been sold, where is it? Please provide me with documentation. 

We have been denied a mortgage, it's been an embarrassment to us. I received a mortgage denial today because of the " repossession '' We demand that DNA  immediately correct their credit reporting to remove any reference to repossession, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against DNA  to stop their unlawful behavior.
Consumer complaint received 2017-04-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.
Consumer complaint received 2023-07-05
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 (CT)

On XX/XX/2023, Bank of America went into my checking account and emptied my funds of my account. They claim another bank account had been made at the beginning of the year in my name which I never opened. I had submitted all necessary paperwork proving who I was at the beginning of this year 2023. They claimed to have never received this information. Which led to them taking money out of my account on XX/XX/XXXX. In the amount of. {$1100.00}. 
I received a week after the fact a letter informing me they were going to be taking this money from me. After my account was already purged by XXXX and my account has been In negative standing since XX/XX/XXXX due to this. One quarter of my monthly income was stolen from me by XXXX. I call them weekly. I was talking to a manager out of the XXXX, CT boa location weekly as well. And she of course no longer works there. I received another letter from XXXX on XX/XX/2023 saying Weve completed our research on your claim listed above. And determined you arent the person responsible for opening the account. 

I was told on the XXXX of XXXX that the analyst working on my case would get me an update. No such thing has happened. Last week when I called XXXX again. I was told the analyst has until XX/XX/2023 to get my money refunded back to me. Even though I have been told since XX/XX/XXXX it would take XXXX business to get my money refunded back. After talking to another person today. I was told now it can take 30-90 days to get my money that BOA has stolen from me. I want this resolved. This was done criminally towards me and XXXX is dragging their feet. My money was stolen from me. What and why do banks have fraud protection for customers if they clearly do nothing when something like this happens?
Consumer complaint received 2023-06-14
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. (CA)

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