davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to file a formal complaint against Bank of America concerning the reinsertion of a fraudulent account into my bank records. This account was previously identified as fraudulent, and I was assured that it would be permanently removed from my Bank of America file. However, upon recently reviewing my account, I discovered that this account has been reinserted into my bank file without my consent or notification. 

This fraudulent account had not been reporting on my Bank of America file for some time, leading me to believe the matter was resolved. Its sudden re-appearance is alarming and has caused significant distress. I am concerned that this reinsertion not only affects my financial record but may also expose me to potential security risks. 

I am contacting Bank of America directly to request the immediate removal of this account from all records, but I am also reaching out to the CFPB because this situation constitutes a serious breach of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's assistance in ensuring that Bank of America : XXXXXXXX XXXXPermanently deletes this fraudulent accountXXXX  from my bank file and any other associated records. 
XXXX. **Provides a written statement** confirming the removal of this account and the steps taken to prevent its reinsertion in the future. 

I appreciate the CFPBs assistance in resolving this matter and holding Bank of America accountable for this improper handling of my financial information. 

Thank you for your prompt attention to this complaint.
Consumer complaint received 2024-10-28
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. (NJ)

I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX XXXX Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC/ Midland Credit Management Inc. is a third party company that is trying to obtain payment from me using aggressive fraudulent tactics. This company has reported negative statements on my credit profile without written or verbal consent.This company is attempting to sue me for said debt with fraudulent means and inaccurate information. This company has sent someone to my home. My address was not given to them and it was a breach of peace. The phone calls have become harassing and constant. I have also verbally stated to their representative to cease and desist but the phone calls and letters keep coming. This company has also threatened to garnish my wages without consent.I have do contractual obligation with Midland Credit Management or any of its associates.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my XXXX  and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

This is my second attempt to resolve this matter with this company I called the Experian specialist team for further verification on why is this account still remands on my credit file. XXXX number XXXX I spoke to XXXX CASE NUMBER XXXX and he told me XXXX verify this information and they should be held accountable for lying because I also asked the courts to verify using the same case number XXXX and someone else name was attached and saying they do not report to credit bureau so how is this information verify or is this company lying and refusing to do there job.
Consumer complaint received 2024-09-17
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)

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 2024-09-17
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)

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-17
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-17
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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (WA)

On XX/XX/2024, I made a payment to the loaning company, Sallie Mae of XXXX. This was the balance displayed on my end after clicking, " make a payment '' option on the website. I noticed a text message from Sallie Mae and got curious enough to check the account. To my surprise, there was a new current balance of XXXX. I called customer support for information. I was told the interest was accrued due to making the payment of XXXX, and that if I wanted to avoid interest then I needed to pay the full amount. I explained to the customer support representative that the XXXX was the full amount displayed. I was then told to access the full payment amount I needed to click on the following prompts : " Make a payment > ( Do not proceed with one-time payment instead click on More> Click on Calculate Payment> Proceed to making payment with the actual balance. The actual balance in my example would have had XXXX days worth of interest at the fixed rate of XXXX % based on the amount of XXXX to my best understanding. My problem is that I expected the current balance to be the true actual balance and by paying it off I would be done and worry free. Instead I was charged interest on what I thought was a total balance payoff. Combine that with the hidden button options and that was a recipe for some frustration. Needless to say, there user interface needs some serious updating because it is currently designed poorly. One would almost say predatory in design with intent to trap the recipient of the loan to paying as much interest as possible.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MD)

Personal histories have been disclosed to third parties without my permission. Personal information have been reported besides the law that prohibits the creditors from reporting personal information by Affirm and XXXX. 

15 U.S. Code 6802 - obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-10-29
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)

This afternoon, I was shocked to find incorrect accounts on my credit report without any explanation. I check my credit report regularly, and this time, unexpected errors appeared. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. I am urging for a thorough review of the documents Ive provided so I can feel reassured and never face this issue again.
Consumer complaint received 2023-07-15
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. (MS)

I recently tried to resolve an problem with Experian credit bureau and said that they could't resolve my issue in regards to Section 611a 3a, saying that they were unable to honor my request. I have tried a number of times to resolve this issue to no prevail. I have attached a letter from XXXX stating that they have removed the information and that i should inform the credit Agencies as well, which I have done. XXXX has removed the information but XXXX and experian has been giving my a problem. XXXX XXXX is still over on the case as ofXX/XX/XXXX. As recently put in my last complaint 15 U.S.C. states that a consumer reporting agency can't file anything on a credit report with out my written consent.They are volating my rights and it's not Right and I want stop fighting until they removed this information!!!
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. (UT)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX XXXX, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against experian over this issue. 

My credit score was XXXX now its XXXX because of a false account that experian has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (GA)

I recently received verification for my account, in which it stated Santander Consumer sent out the right to redeem, notice of sale, and post sale notices. In the past, I do not remember receiving those documents. I have asked to be provided with the certified tracking information as proof that I signed and received those documents. Due to the inability to prove that the documents were received, I request that this account be deleted, as it is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
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. (AR)

I've contacted through Experian Disputing Services on XX/XX/year> with purpose to have a fraudulent account removed. I've requested Debt Validation, Permissible Rights Signature, Original Contract, and to have fraudulent information removed from my consumer report if XXXX XXXX XXXX wasn't able to grant said documents.

Failure to produce said documents above are violations of, 15 US Code 1681, and should immediately be removed. I ( consumer ) am attaching also a identity theft report to further address the violation of improper furnishing of reports to a consumer credit profile. 

Further violations will result in arbitrary actions.
Consumer complaint received 2024-09-17
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

My mortgage loan belong to XXXX XXXX in XXXX the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of XXXX My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three Experian, XXXX and XXXX they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (FL)

To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.