davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a paycheck amounting to {$1000.00} was deposited into an account that was intended to be closed. Due to this deposit, a customer service representative initiated a withdrawal, which led to the account being overdrawn by {$900.00} since the total balance transferred from the account was {$1900.00}. In XX/XX/XXXX, there was a credit reversal of {$61.00} along with a cash back credit of {$0.00}. After these transactions, the total amount owed at the end of XXXX was determined as follows : starting with an overdrawn balance of {$900.00} and subtracting the credits ( {$61.00} + {$0.00} ), resulting in a total owed of {$950.00} by XX/XX/XXXX after factoring in another cash back credit of {$3.00}. Total Balance Owed at End of XXXX : {$950.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$48000.00} ;
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (MS)

On XX/XX/XXXX American Honda Finance Corp received my Tier XXXX packet which included a notarized durable power of attorney, Federal Reserve Act Section XXXX and XXXX which states all obligations shall be of the United states for all public dues taxes, etc. My instructions for claim of Credits as well as as my endorsed negotiable instrument signed without recourse. 
On XXXX i mail my Tier XXXX Packet which included my endorsed bill, Federal Reserve Act sec XXXX and Federal Reserve Act Section XXXX part XXXX and XXXX on XX/XX/XXXX i received by mail Honda 's response with a false payoff correspondence on XX/XX/XXXX i respond to the letter with my Tier XXXX Packet which included Notice of Default, My rescission letter as well as a cease and desist as well as my endorsed contract. I also send the same packet to the Corporate office in XXXX CA. 
On XX/XX/XXXX XXXX hires XXXX XXXX XXXX to come and unlawfully reposes my vehicle and refuses to give it back. 
I have done my performance on behalf of the account Honda refuses to accept and deposit my signed negotiable instrument which has caused me a lot of distress and suffering. I have a child who starts school next week i have to get him registered as well as make money to provide for our essential needs but due to the unlawful repossession i am stuck. i have Honda taking advantage of me while i am in the midst of an eviction On XX/XX/XXXX i spoke with Honda 's Recovery team i spoke with XXXX and someone by the name of XXXX or similar. XXXX let me know that he seen the documents i sent on their end and that it was in fact an unlawful repossession and that he sent over the information to management. XXXX from management reached out and basically told me that they do not accept my endorsed negotiable instrument and that i would have to pay in cash or by card as usual. I let him know that they are under false pretense because they are keeping my instrument and not getting it to the right department which has caused me loss and harm and a violation of my rights.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I was scammed by a fake person within my university that I attend. They were able to make a fake check and fake my signature which was able to go through the " Security check ''. The bank was not careful and did not take the time to carefully observe the check which was obviously fake. The check went through, and the scammer was able to take {$1400.00} out of my checking and savings all together. The bank then left me with {$200.00} and told me that I would not be able to get my money back. Being that I am a first-year freshman, I signed up for work study and was given this " fake '' professor. Due to my banks error on carefully analyzing my account, I now have lost all of my money and have no way of getting it back. I was able to show proof but was still denied help.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-17
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services (PA)

My credit report shows {$21000.00}, {$12000.00}, and {$10000.00} as being owed to EdFinancial. My only current loan would be the {$21000.00} XXXX. I reported a complaint previously to EdFinancial but the loans were saying they were XXXX XXXX XXXX at the time so EdFinancial said the balance was correct.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IN)

I accidentally submitted a payment to EdFinancial, my student loan servicer on XX/XX/year> for the amount of {$8300.00}. Having spoken with their customer service many, many times, EdFinancial continues to stonewall my request for information regarding my refund. They simply tell me they have no information on my refund or the status of it, among false information and information that conflicts with the Department of Education. 

According to several representatives I have spoken with at the Department of Education, my refund is supposed to come as a check from EdFinancial ( my servicer ), not the US Department of the Treasury. I have confirmation from my latest recorded phone call with EdFinancial 's customer service. Indeed, the check is supposed to be processed by them, not the Treasury. Apparently, their Financial team is supposed to process this check. Communication via their Financial team, their customer service, and me is extremely poor. It is suspicious and frustrating that my servicer 's customer service can not communication about my check with their Financial department. Moreover, it is a great deal suspicious that EdFinancial is holding on to my money for this extreme amount of time when processing a check should not take more than a full week. 

To reiterate, this is an accounting issue due to an accidentally payment. This is NOT an issue related to a pandemic overpayment or an issue related to student loan forgiveness. Therefore, this refund ought to be processed by EdFinancial, not the US Department of the Treasury. According the Department of Education, my servicer is " obligated by contract '' to issue me this refund themselves. Any process related to the Treasury is false. 

In XXXX, my servicer updated my account statement to include a " payment reversal '' so that my principal balance changed to a larger amount before my accidentally payment occurred. In spite of the balance reflecting the amount before the payment, I still have not received my funds. This is a HUGE problem because aside from me desperately needing the money to pay my rent and expenses, I will be paying interest of a false loan principal once payments resume this XXXX. Additionally, I do not have the ability to accrue interest in my HYSA with these funds as a result of EdFinancial 's poor handling on this situation.
Consumer complaint received 2024-09-16
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-16
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

A renewal credit card with same card number but different expiration date was issued on XXXX XXXX was not in my possession. This credit card was lost/stolen in the mail. According to TD Bank fraud representative the new credit card was activated on XXXX XXXX no details was given on how the perpetrator activated this credit card. Immediately after activated, consecutive unauthorized purchases were made from XX/XX/2024 to XXXX XXXX in the amount of {$830.00}. On XXXX XXXX I opened the my TD Bank app and noticed unauthorized charges from my card and immediately contacted TD Bank to block the card and dispute all the charges. 
On XX/XX/2024 I contacted TD Bank fraud representative and was told that my dispute was reviewed and denied. I asked the reason why and they told me that the chip card was in my possession during an in-person transaction. 
On XX/XX/2024, I dropped by TD Bank XXXX XXXX XXXX. Branch to request a copy of the denial and ask for requirements to file a Police report. But, they only provided me with copy of denial, bank statement with identifying unauthorized transaction and affidavit of fraud were not provided. I also learned that new issued credit card does not need activation, no longer need to enter XXXX digit pin or social to activate this credit card, whoever holds this card can use it once received.
Consumer complaint received 2024-09-17
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX is an account that i demand be deleted from my credit report on the basis of so many inaccuracies and incomplete information. Wrong Charge off Date ( 1099-C ) was issued after being filed, which enabled the debt to become income. States IRS Publishing- account should not be listed as a charge off which is not income and income can not be reported noncredit report. Also account has No balance recorded, no payment history reported etc .... 15 US Code 1681s-2,1681s-2ab2
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the XXXX XXXX XXXXXXXX XXXX emergency ends. XXXXIn XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Is reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the XXXX XXXXXXXX periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

To whom it may concern I am unable to see my credit reports for equifax and XXXX. because i am not able to see my credit score i don't know my status or credit points and is making me XXXX. i have call numerous times and i am been told to wait for it to update. credit updates and nothing happens.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX keeps reporting an XXXX auto loan as " currently active '' each year when this account has been closed and paid in my XXXX XXXX XXXX  that was discharged in XXXX. This affects my credit score each year and my score with Equifax has currently decreased by XXXX points because it now shows that this account is currently delinquent when this is completely false. This account was paid for 100 % per the bankruptcy laws here in Alabama. No other creditor has does this but XXXX XXXX. I have reached out to Equifax ( whom is reporting this ) and disputed this again for the second time this week. I can not get anyone at XXXX to help me out with this.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-17
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)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.