davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

" 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 2024-06-25
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 (CA)

I noticed a fraudulent charges on my Bank of America debit card for the amount of {$370.00} and {$190.00} around XXXX on XX/XX/24. I called Bank of America immediately at XXXX on XX/XX/24. The charge was in still in pending status so I was sure they could easily reverse the charges. I let the bank know it was fraudulent and that I had my physical debit card in my possession as I was at home in XXXX XXXX CA and the charge was in a different state ; so my debit card information was compromised. The fraudulent charge was a debit from XXXX ( home improvement ) at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX I was physically calling from my home in XXXX XXXX California when the fraud happened at around XXXX. They said they would investigate and that the credit would be put back into my account within 10 business days. I also filed a police report. It is now XX/XX/24 and BOFA closed my claim and never refunded my money back from those fraudulent charges. I reported the fraud less than 24 hours. Someone made a mistake and it was not me. I am not liable for this fraudulent charges.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> I used the ATM at Bank of America on XXXX XXXX in XXXX FL. ATM # XXXX. I was trying to withdraw {$640.00} cash from my checking account at the ATM. The ATM only gave me {$400.00}. Shorting me {$240.00}. I have been trying to work with the bank but they said today XX/XX/year> they had no idea when this would be resolved.
Consumer complaint received 2024-06-25
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG HOLDINGS INC (GA)

XXXXXXXX XXXX XXXX  XXXX PURCHASED A XXXX  DEBT FROM XXXX TEMPOE LLC. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. 

I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Fraudulent Information on XXXX Report Dear XXXX XXXX Relations, I am writing to dispute inaccurate and fraudulent information that is listed on my XXXX report. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, I am entitled to dispute any information on my report that I believe to be inaccurate or incomplete. The items I am disputing are as follows : - **Bank of AmericaXXXX XXXX : - **Bank Name** : Bank of America Upon reviewing XXXX XXXX report XXXX I found XXXX the above-referenced accounts are not accurate. Specifically : XXXX. [ Explain the nature of the inaccuracy or fraudulent activity, such as unauthorized account openings, incorrect balances, etc. ] XXXX. [ Include any additional fraudulent account details if necessary. ] In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate and fraudulent information on my XXXX report. Please complete this investigation within the required XXXX period and provide me with the results of your investigation. Additionally, I request that you notify the banks involved of my dispute and ensure that they cease reporting this inaccurate and fraudulent information. Under the FCRA, it is required that all information reported to XXXX is accurate and verifiable. For your reference, my personal information is as follows XXXX XXXX
Consumer complaint received 2024-08-15
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-12
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. (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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX All of which has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : 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 2023-07-08
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. (AR)

This is my 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

XXXX, XXXX, XXXX  Sir/Madam, I initially filed a complaint the week of XX/XX/year> to the CFPB that Toyota Financials offer to resume my monthly payments of {$440.00} on XX/XX/XXXX that I had accepted was switched back to XX/XX/XXXX without my consent. As a result, this contract offered in bad faith has put me over 2 months behind and risking a negative credit report today. 

The following events that have transpired since my previous complaint are as follows. 

I received a call on Wednesday, XX/XX/XXXX from Toyota Financing saying that I have a payment due of {$440.00} on the XXXX. I let the representative know that a payment will be made for that amount on Thursday, XX/XX/XXXX. However, when I went to my account on Thursday, I noticed that the balance due on XX/XX/XXXX was showing {$890.00} instead of the XXXX amount of {$440.00} the representative said was due XX/XX/XXXX. Then I got an email alert saying that {$890.00} had been scheduled to come out of my checking account on XX/XX/XXXX. This is a problem because I will be overdrawn by negative {$890.00} when that happens and I will get a {$10.00} fee for Insufficient Funds in my bank account. 

The line was clear when I called Toyota Financial back yesterday to try to talk to a representative to find out why a Toyota Rep initially gave me a balance due different from the balance due on my online account at Toyota Finance. However, the line became unclear immediately after I gave my full name to the representative. Right after I introduced myself, I heard a funny clicking sound on the call like someone was tampering with the line and then they disconnected the line afterwards.

Since then, I was overdrawn by {$890.00} and charged a {$10.00} insufficient funds fee by my banking institution.

Moreover, but for Toyota Financial changing the payment due date without notifying me I am now over 2 months past due instead of less than one month affecting my credit status.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I received a letter from XXXX XXXX XXXX re my info may be hacked due to data breach. After several attempts to sign in to take advantage of my free Experian Identityworks, XXXX XXXX XXXX signed me up over the phone However, I was not able to sign in. I was told that XXXX of my answers to their security questions was different from what they had. I am sure the answers are correct and their info is inaccurate or fraudulent. I explained to the service reps ( XXXX ) that someone recently applied for a credit card in my name, and there may be false or fraudulent info in Experian 's data base. I am willing to provide any info -- bank guarantee, notarized statement, or other paperwork to prove my identity. I was told the only way to prove my identity was to answer all the security questions correctly -- even though they may contain inaccurate info. 

PS. some time ago I froze my credit bureau info as a precaution. I can still sign in to that account but the only options I have are to unfreeze my account ( no way ) or buy for {$29.00} per month their ID protection..
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Re-investigate the information shown in this account or delete this account information from my credit report, because I believe it may be inaccurate.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.
Consumer complaint received 2024-08-15
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. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts included in this FTC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX PNC Bank Dear Sir, On XX/XX/year> we had a charge of {$98.00} by XXXX on our account, we had nothing to do with XXXX. 
My husband called to get a refund and was directed to go to a website ( XXXX ) by XXXX XXXX ( # XXXX ) when he went to the website he was instructed to put in his name and address and the name of our bank he never gave any account numbers .The screen went to a solid blue after about XXXX seconds then our account came up on his computer display and he was in control of the curser. He was told to enter the amount of refund as {$70.00}. After that the screen went blue again. He was controlling our accounts without any authorization from us. He said he overpaid our account by {$7000.00}. When he actually transferred {$7000.00} out of our savings. And put it in our checking and also made a cash advance of {$2500.00} on our credit card without our authorization. My husband didnt realize this was our money. He was instructed to get bitcoin and gift cards to repay him. My husband thought he was being honest to repay him. 
After he realized what was happening, he reported to the police and FBI. We also had our computer cleaned and discovered there was a virus ( support.client ) XXXX XXXX was replaced. PNC is not claiming any responsibility even though there was no authorization for the transfers of funds or cash advance.We are in our seventies and it will be hard to recover this amount of money. We are victims of this scammer and feel hopeless for any help. We have been with PNC for over 40 years. And reaching out for any help you can give us. I know its not a lot of money for most people but its all we had for emergencies. 
Copies being sent to : Consumer Financial Protection Bureau
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with 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 USC 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 60 days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 XXXX