davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-04
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with 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 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 XXXX, XXXX, AND XXXX 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. 

XXXX  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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 which 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 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 Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; 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 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
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

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

This company 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 2024-07-02
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)

To whom this may concern my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. The accounts listed in this report should not be listed on my personal consumer reports as they are in violation of the Federal Credit Reporting Act ( FCRA ) according to 15 USC Code 1681S-29 ( a ) ( 1 ) ( a ) & ( c ). Also, per FCRA 15 U.S Code 1681-B, it states that permissible purposes of consumer reports ( a ), in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave the listed agencies my written/verbal consent or instructions to report anything on my personal credit reports, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer, I am demanding the deletion and removal of the listed accounts IMMEDIATELY.
Consumer complaint received 2023-11-14
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: Navient Solutions, LLC. (VA)

Upon consulting with the XXXX XXXXXXXX XXXX XXXXXXXX in reference to the student loans. XXXX XXXX XXXX XXXXXXXX told me on the phone ( and it reflected on their website ) that my loans are not presently in default though the Navient company insists that they are. A dispute was filed with the credit bureau XXXX XXXX and XXXX XXXX told me that they sided with Navient. Navient has an unfortunate and known history of not being trustworthy and XXXX XXXX has a bad habit of believing them over the consumer. Navient needs to stop insisting that they " are the Federal Government. '' XXXX XXXX XXXXXXXX XXXX XXXXXXXX is the authority on the case AND is the Federal Government. Navient has demonstrated that they do have a credibility problem and can not be trusted.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 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
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Stellantis Financial Services US Corp. (NY)

I was pre approved for a XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I spoke to sales rep- XXXX and he told me I can get my pre approved deal no money down at all I told them my XXXX XXXX XXXX XXXX they told me I have to put money down and I said no I dont this is a consumer credit transaction then he went and got the manager and he came and told me they gon na do a soft pull They ran my social credit more then twice with XXXX XXXX and Stellants and I dont know where else and then they told me Im denied in less then XXXX mins No approval unless I put money down or have a co-signer so they sent a co- application thru email and I put all my brothers information XXXX XXXX except my brothers social but they kept insisting I send my brothers social unsecured in email and I refused I asked for my truth and lending contract and they could not produce the contract so they took adverse action against me and gave me no knowledge.my social was used and I received no benefit I requested I call the bank underwriter to see why I was denied I did and the XXXX XXXX  and XXXX XXXX  said they wanted to speak to the dealership to negotiate a agreement to see if it can be reversed to a approval based on consumer law not personal opinionated factors of the banks and dealership underwriting policy I told them they are knowing and willingly violating TILA and FCRA and a number of consumer rights 12 CFR 1002 ( b ) 15 USC 1692 15 USC 1642 15 USC 1681 ( M ) 15 USC 1611 15 USC 1691 15 USC 1662 ( b ) 15 USC 6803 I left the dealership and they said they closed kick me out in mid deal and ever since then they keep telling me false and misleading information currently they wont return my calls every time they lied and said they would call me back is on the record line also more of the confusing information and discouraging and discriminatory actions against me for no reason all consumer customers are supposed to be treated fair and Equally
Consumer complaint received 2024-08-01
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. (VA)

" 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 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been a loyal customer of Bank of America since XXXX. However, Bank of America kept bringing me troubles since XX/XX/XXXX. On XX/XX/XXXX, I received an email saying that Bank of America closed my checking account and cancelled my XXXX. This bank account is my primary account and it's very important to me. To solve this problem, I made a phone call to Bank of America customer service, trying to communicate with them. However, they said it is a business decision and Bank of America has the right to close my account without any reason. Even though they sent a check to return my balance in my debit card, they had already brought much inconvenience to me because I relied heavily on this debit card to pay my bills including my Bank of America credit card. 

In the beginning of XXXX, I received a letter from Bank of America. The letter said that they decided to close my checking account due to security reasons and they may inform other banks not to open checking accounts for me. The letter made me heartbroken. I have never get involved in any illegal activities so I don't know what is the " security reason ''. I still did not give up solving this problem, and I communicated with Bank of America customer service again on XX/XX/XXXX. The customer service told me that I was not involved in any illegal activities and they would not inform other banks not to open checking accounts for me, but they could not reactivate my debit card. I felt I was discriminated by Bank of America. 

Then I had to open a new checking account in another bank, but it took some time so I could not repay my Bank of America credit card on time. In XXXX and XXXX, I took some friends to travel in XXXX and I spent a lot. Without a debit card, it was hard for me to repay my balance, so I keep suffering from the high interest charge from Bank of America credit card. For the problem of the credit card, I have already reported in another case. 

It was Bank of America 's fault to ridiculuously closed my checking account without any reasonable explanation and made it difficult for me to repay my credit card on time. Furthermore, Bank of America has created a lot of trouble to my life because they closed my account. I feel that I am discriminated by Bank of America and my rights as a customer are severely hurt. I hope CFPB can take actions to protect my right.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-09-13
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)

iam victim of identity theft from close relatives and my x fianc i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX i come back and i was trying to buy a car they pulled my credit and i found a bunch of accounts on it i contacted the creditors and mailed them and no response and then i contacted the credit bureaus and no response this is an improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i was XXXX and no one responded please remove these accounts and here is my tracking numbers : XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a XXXX and finished a job where I received a check for {$9000.00}. I go to Bank of America to deposit my check at the atm after the clerk told me in the past to do it at the atm they were not able to help me deposit a check ( I always question this ). 

I deposited the check in XX/XX/year>, and see a hold was placed until XXXX XXXX. I think nothing of it and assume it just standard procedure. The days go by and I receive a letter in the mail from Bank of America that my business bank account is being closed. I was shocked. I call the number on the letter and a representative from the closure department informs me that the check I deposited was supposedly counterfeit adding more to my surprise. I immediately contacted the maker of the check ( XXXX XXXX ) and we both agree to meet at a Bank of America location the next day. 

The next day comes and we tell the staff that the check is not a counterfeit and the it is indeed a valid check. XXXX ( the maker of the check ) tries to show them on his XXXX XXXX XXXX that the check was cleared and funds taken out of his account. Bank of America did nothing to resolve the issue or did an adequate job looking into the matter. That same day XXXX and I went to XXXX XXXX to confirm the validity of the check. The agent at the XXXX XXXXXXXX XXXX XXXXaid that the check was valid and that is had even been cleared and paid to Bank of America. The XXXX XXXX agent even told us that Bank of America had the funds already and that they had never contacted them with any issues. The agent then printed a copy of the check photo and handed it to us. I later called Bank of America and told them what happened to which they still decided to close my business account unfairly and refused to tell me what made the check invalid. In the end all they told me was that the back office to Bank of America had the {$9000.00} and that they will a decision to what to do with the funds, but that the time to reach a decision would be indefinite. Waiting indefinitely for my money for a reason that is completely unfair to me is ridiculous and doesnt make any sense. XXXX XXXX paid Bank of America the funds and cleared the check, bank of American admitted they got the funds from XXXX XXXX and XXXX XXXX confirmed the check is valid ; yet Bank of America still made the decision to close my bank account and hold the funds indefinitely. Now Im financially struggling.