davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I tried to open a IRA account with XXXX XXXX this morning ( Application ID : XXXX ) but was denied. I have spoken to two different representatives from XXXX XXXX and the Bank of America platinum honors line after waiting for a long time on hold. The last representative that I spoke to stated that the denial is coming from Bank of America and told me to call another number. He also claimed I placed a do not open a account order which I have never done. 

I found all this to be unacceptable with no clear answer why my application is being denied and being given the run around. I have been discriminated in the past by Bank of America with random closure of my checking account which was reversed in less than a week due to their error. I have never had a negative transaction with bank of america or its affiliates to warrant this treatment. 

Please forward this complaint to the office of the president and FINRA.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation (TX)

I received several calls from XXXX to my work phone number asking about my application for a loan. I have never applied for a loan with this company and have never given my work phone number as a contact number for me. 

They said I applied for a loan and I tried to get the lady on the phone to give me the account information. She said the email address used was XXXX and the address they had for me was over XXXX XXXX XXXX. 

That email address was used years ago to steal my ID and open other loans in my name and has been mentioned in several other CFPB and Attorney General complaints. 

It has come up again because I have a stalker that uses loan applications to attempt to harass me and they have previously used that email address to fake emails from me. They found that address on a cheap background check website it shows up on because it showed up on my credit report for a few months years ago. 

To be clear. It is not me, I have never used the address XXXX The stalkers names are XXXX XXXX and XXXX XXXX of XXXX XXXX, Tx XXXX XXXX and XXXX XXXX of XXXX, TX They hired a fly by night detective agency that I believe is behind the stalking, they are named XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

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 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. 


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 8
Consumer complaint received 2024-07-15
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. (FL)

The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXX of XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-15
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)

I am putting XXXX, experian and XXXX up under notice for potential Fraud and bad business practices for Harboring Negative personal information on my consumer report that I have already opted out of reporting from XXXX, experian and XXXX All the following collections are negative experiences and Accounts in accordance to 15 us code 1681A I If all collections are not removed I will escalate this case to the federal level where XXXX, experian and XXXX will have to answer for The reporting of such information without my written authorization, Without ever disclosing and documentation for me to opt out of Information reporting Remove all collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (MI)

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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-24
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)

In accordance with the Fair Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, XXXX, DEPTED XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 602 A. Sections2 : It also states a consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Optio Solutions, LLC (PA)

On XX/XX/XXXX I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/XXXX, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XX/XX/XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (SC)

This is my attempt at rectifying a reoccurring issue with Equifax about recording and report tradelines that I been authorized user and the tradelines that I purchased that report to all the other, but nothing been recorded or reported since the unauthorized dispute was done my account without my permission. They are removing tradelines that are reporting as positive but the refuses to remove the fraudulent account are being reported now. None of my new accounts are showing up at all on Equifax the last XXXX account have not reported since that unauthorized dispute. I'm trying to buy a house with the repeated mistake and the unauthorized dispute without my permission how can I buy a house. Equifax has not helped me or contacted me as far as resolution to this problem I take this very seriously this my life and legacy someone trying to destroy with no accountability. XXXX XXXX, XXXX, XXXX XXXX are not being reported at all
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-15
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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( 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. 


( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I submitted a completed " XXXX in XXXX '' package including requested documentation. I originally contacted PNC to find out what steps I could take to have my ex husband released of liability from the loans in question. I explained I wouldn't qualify for a refinance but that since being awarded sole ownership in the home I had continued paying the loan myself and did not need a cashout. 

I spoke with a supervisor who explained that I could use the newer " XXXX in XXXX '' rules to start the process, then request replacing initial XXXX ( my exhusband and myself ) holder of the loan and replace me as sole holder of the loan as singular XXXX in XXXX. Under Regulation Z ( final ruling XX/XX/XXXX ) the Ability to Repay would not be a factor, and as a Successor the rules did not consider this an assumption. Furthur it pertains to any closed end loans secured by real property. Again, I've been paying since XXXX. 

On XX/XX/XXXX I refaxed the entire package. After numerous phone calls told they me they received it and it was under review. No written or verbal notice was sent to me. 

In XXXX of XXXX after discovering that no action had been taken I contacted them again and was given numerous excuses and that my only option would be to refinance or sell my home. I was told that Successor in Interest only applied in the case of death and only applied to mortgages. They told me Regulation Z determination as to Succesor in Interest did not apply. To add insult to injury they allowed my exhusband to change the mailing address in XXXX of XXXX allowing him to get interest statements to use to deduct on his taxes regardless of the fact that it is my house! 

I am now being threatened by my exhusband 's lawyer that either his name be removed ( as court ordered ) or the selling of the home. I would lose a place to live and unable to qualify for another one. This would unfairly punish me despite paying for the home.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-15
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. (PR)

The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX XXXXXXXX. XXXX date close XX/XX/year> and fXXXX XXXX  XXXX date closed XX/XX/year>
Consumer complaint received 2024-07-15
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. (OH)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15.U.S.C. 1618s-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