davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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. (KY)

CFPB FOR REMOVE CHARGE OFF ACCOUNT I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : name account : XXXX XXXXXXXX XXXX, number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-09-05
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. (TN)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX  I was locked out of online banking called bank of America who said their in process of closing my account XXXX for XXXX XXXX  and told me it's a business decision and I tried to get my paycheck that came in XX/XX/XXXX and they are holding it hostage and said legally they can talked to my employer who said bank has to release my funds to me right away called bank America back and they were rude and said by law it's legal that they won't give me my paycheck
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XXXX and XX/XX/year> I was told via app messaging that BECU will offset my deposit account for a past due credit card payment if it becomes too past due ( less than 30 days ). They did this to me one time before and I had to borrow money from family to make rent. I was expressing to someone who has worked in banking compliance for decades my worry BECU would do it again and he told me its illegal to offset deposit accounts specifically for credit card payments per the CFPBs interpretation of section 1026.12 ( d ). Per him, embedding a line within a 35 page document is not specific intent. BECU is insistent that they can do it because its in the terms and conditions. I finally got someone in loss management to send an email to compliance on XX/XX/year> at XXXX XXXX XXXXXXXX. I feel BECU is harming me as a consumer and not allowing me to retain my rights under the Truth in Lending Act.
Consumer complaint received 2024-07-05
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. (MD)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with ( XXXX XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-05
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-07-05
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. (PA)

A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and XXXX wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or XXXX in XX/XX/year> and XX/XX/year>. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 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 shall ( i ) 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. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

Experian, XXXX and XXXX are reporting this account as open ; XXXX XXXX account number XXXX. 

According to the company, there is no account on file. This is inaccurate information and must be deleted per 15 USC 1681b ( 2 ) and 15 USC 1692.
Consumer complaint received 2024-07-05
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 (MA)

Today ( XX/XX/XXXX ) I received four separate pieces of mail at my home address indicating that credit cards and/or debit cards were opened on my behalf with four different vendors : Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not request to open any of these accounts. None of them showed up on XXXX or XXXX checks, but my XXXX report showed XXXX recent hard requests for credit : two from Bank of America ( XX/XX/XXXX and XX/XX/XXXX ), one from XXXX ( XX/XX/XXXX ) and XXXX from XXXX XXXX  XXXX ( XX/XX/XXXX ). I contacted XXXX and started a fraud alert case with them, and their representative indicated it would be a good idea to go to ftc.gov to start a complaint there as well. I did not request any of these credit/debit cards in any fashion.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I am filing this complaint against Simmons National Bank ( Trust Department ), located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX, regarding their mishandling of a Family Farm Trust account in XX/XX/year>. 

Alleged Misconduct : Simmons Bank has failed in its fiduciary duty in several critical ways : 1. Unauthorized Account Changes : The bank allowed changes to the trust account without proper documentation or authorization. A perpetrator appears to have taken control of the trust bank account through what I believe to be elder abuse. Simmons Bank facilitated this by failing to verify that the proper trust documents were in place before allowing these changes.

2. Refusal to Provide Documentation : When I requested copies of the banking instructions and trust transfer documents, Simmons Bank informed me that they did not have any such documentation on file. They refused to provide even a printout or screenshot to prove what was ( or was not ) on file. I subsequently made a formal request in writing ( via certified letter to the Bank CEO ), to which the bank never responded in writing, only calling to say they would not provide this information.

3. Failure of Due Diligence : As a fiduciary, Simmons Bank had a responsibility to carefully review the account and confirm that any changes or transfers were accurate and properly authorized. Their failure to do so has resulted in significant financial harm to the trust and its beneficiaries. 
Consequences : As a result of the bank 's negligence : 1. The {$22000.00} account balance was depleted without proper authorization.

2. {$10000.00} in grant income was withheld from the trust beneficiaries.

3. Farm recreational licenses were wasted, resulting in lost income for the trust.

4. Farm assets are being sold to the detriment of the intended beneficiaries, without appropriate authorization.
5. Farm vendors threatened to prosecute due to checks being written on the closed trust account.
Consumer complaint received 2019-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

In XXXX of XXXX I obtained a HELOC from BECU. At that time I had bank accounts with BECU that drafted automatically payments for the HELOC. 

By XXXX of XXXX I was moving my day to day banking to XXXX XXXX XXXX. In XXXX of XXXX I submitted proper paperwork to BECU for ACH from my XXXX XXXX account and to convert the loan to an amortized fixed loan. I received email confirmation from BECU representative that they received the paperwork. 

Despite many efforts from XXXX to present, I've not been able to have them process my payments properly and it has created improper credit scoring. 

I filed a complaint on XX/XX/XXXX through Federal Reserve Consumer ( third party ) which forwarded the complaint to CFPB. 

In XXXX of XXXX I was contacted by XXXX XXXX from BECU. I supplied him with written information related to the matter and he acknowledged that there was an issue. However, over the following three months there was poor to non-existent communication to achieve resolution. 

Finally, despite three emails and one written letter, I have had no response from Mr. XXXX since XX/XX/XXXX. 

At his request, I resubmitted the same paperwork for processing ACH payments ; yet have not received a confirmation of processing. Furthermore, BECU continues to report late pays on my credit file despite the payments being late due to their non-processing of proper paperwork.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/year>. I sent a letter to Equifax, XXXX and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Consumer complaint received 2024-07-05
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. (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.