davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started receiving multiple credit cards in the mail and credit monitoring alerts. When I contacted the credit issuing agencies they advised that credit cards were open online in my name as the primary account holder and that there was an authorized user added to the accounts as well. The cards had transactions made by the authorized user and I did not give my information, nor did I give my permission for these accounts to be opened. The credit issuing agencies gave me enough information to file a police report, I requested that the accounts be closed, and I also filed a claim with lifelock to help monitor my credit for further fradulent activity
Consumer complaint received 2024-09-10
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)

If you dispute negative information on your credit report and the " bureaus '' don't remove it. you can use the arbitration process to get {$1000.00} for each negative item without having to ever go to court. 
And your disputed information gets permanently deleted.

( 15 USG 1681n ] But you'll keep serolling.. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2015 Bank of America allowed my account to get over drafted. It was too my knowledge that I had overdraft protection. I went to go to bank of america to deposit the funds they had closed my account without any notification. I paid what I owed to the account that week. So I owe nothing on the account. They added me to   XXXX   XXXX   and now I can not even get a second chance account. I have called several times talking to many of the bank associates and ended with them telling me different reasons why my account was closed. Because I had overdraft, I had a   XXXX   balance when it was closed and also because I did not comply with their standards. I got no straight forward answer. I then asked them to mail me the reason and the only thing they mailed me was the notification that my accounts were being closed and not the reason why they closed them. They responded with a back dated,  XXXX   XXXX , 2015 response with my accounts closure and it stated that I did not comply with their deposit agreement and disclosure. On my   XXXX   XXXX   report it said something different, it said that I was attempting to transact in a prohibited manner. I would like to know how I was doing that because I would never do anything like that. I still do not know the reason why they closed my account.
Now it is hard trying to get a good job with that on my record. I 'm trying to start my own business and need a business checking account and no one will do business with me because of what they did to my record. Can you please help me with this issue it would be greatly appreciated.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-10
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. (NC)

I am writing to dispute incorrect personal information on my credit report. The names addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not belong to me. Please investigate these inaccuracies and remove them from my record. 

Enclosed are proof of residence for your reference. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
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 2017-07-17
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. (GA)

XXXX   XXXX   2017 I pulled my credit report and noticed discrepancies on my report that do not belong to me and are inaccurate and incomplete information. I have disputed these accounts with the credit bureau ( s ). Since then I have received an updated copy of my report (  XXXX  2017 ) stating it has been updated on my report. Experian has over and repeatedly failed to provide me the method and verification in which they are using to report inaccurate information on my credit report I have submitted written and certified requests for the past 5 months for accounts :   XXXX   and  XXXX . The investigation and re-investigation came back as updated and verified, when I sent the letter certified on   XXXX    XXXX  2017 and completed re-investigation was completed in less than 30 days from that date. How is this possible when I have received nothing stating their claims inquiring of the way they investigate, re-investigate and verify ; proof of verification showing ( investigators summary, application, signatures ). I have also contacted them via phone and the rep said Oh this information has been updated and they are not required to show proof? -- -really this is what a trained representative said. However, they continue to report and send me the same information and avoid sending me the information and requirements permitted by the FCRA under section 611 ( 5 ) ( A ). These accounts must be removed and deleted as this information is outdated, inaccurate and incomplete. Attached is a copy of Experian response from the date submitted to the time of their response less than 30 days of inaccurate information.
Consumer complaint received 2024-09-09
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)

To whom this may concern, I have reached out to experience Credit informing them that my identity was stolen and someone open up a fraud credit card with XXXX and target I informed them about XXXX  XXXX and XXXX XXXX. The same person stole my XXXX  XXXX card and XXXX XXXXXXXX XXXX XXXX  mixed my card completely out, and they are reporting into experience after I have spoken with these company regarding these fraudulent charges and experience are still reporting fraudulent and accurate charges to my credit report which need to be removed off because these account dont belong to me and I didnt authorize for no one to use my credit card
Consumer complaint received 2024-09-09
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)

The Fair Credit Reportin

g Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expre
ssed written consent.
Consumer complaint received 2017-07-17
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: Nelnet, Inc. (IL)

I was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to NELNET ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET,   XXXX   XXXX  ,   XXXX   and   XXXX   for reporting inaccurate data.
Consumer complaint received 2024-09-09
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)

I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (PA)

XXXX fraudulent checks ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) totaling {$16000.00}. We notified the bank on XX/XX/XXXX and was told by XXXX XXXX that they will put a freeze on the account and will start an investigation and we will get the money back in the account within XXXX  days. I asked XXXX if we need to make a police report, and I was told that was not needed, the bank will do the investigation. I emailed XXXX on XX/XX/XXXX2024 inquired on the status of the investigation. I received a voicemail on XX/XX/XXXX2024 stating I would have to come in the bank to fill out an affidavit to continue the investigation. That was XXXX  days after I first called the bank to file an inquiry. 

When I called the main regions bank number for fraud, I talked to XXXX XXXX and XXXX XXXX, who told me no investigation was ever reported by the branch. They created an investigation on XX/XX/XXXX the investigation claim number is XXXX. 

My concern is that the checks were cashed had no endorsement and were written as a bill pay from my bank, making me concerned that someone from the local bank committed check fraud.
Consumer complaint received 2024-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP (CO)

I had all XXXX XXXX loans, approximately {$120000.00}. In XXXX I applied for borrowers defense due to issues at XXXX XXXX. during Covid, my loans were in forbearance, but at the end of XXXX I was offered a great interest rate through Laurel Road to refinance and XXXX  loan payments were going to restart XX/XX/XXXX. At that time, Laurel Road did not disclose that I would lose all federal benefits, including borrowers defense. earlier this year, my application for borrowers defense was approved, XXXX years later. If I would have kept the federal loans and the higher interest rate, I would not owe anything at this time. However, I currently owe {$84000.00} through Laurel Road XXXX, and they are stating, they are not willing to work with me on this issue since I waived all of those rights. I feel like I was taking advantage of, and didnt realize I would lose those rights. They also have failed to provide me any documentation stating they informed me of such.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (OH)

Subject : Urgent Complaint Against INGO Money for Unfair Practices and Monopolistic Abuse To Whom It May Concern : I am reaching out in frustration and dismay regarding INGO Money, a company that has not only monopolized the mobile check cashing market but has also unjustly targeted me as a consumer. I feel powerless and wronged, and I believe its time for the Consumer Financial Protection Bureau to intervene. 

My Experience : Monopolistic Control : INGO Money 's dominance in the mobile check cashing market has left me with virtually no alternatives. They have a stranglehold on this essential service, which puts consumers like myself at their mercy. When a company holds this much power, there is a responsibility to act fairly and transparently. INGO Money has done neither. 

Unjust and Unexplained Ban : Without any warning or explanation, I was abruptly banned from using INGO Moneys services. This has left me stranded, unable to access a service I depend on. When I sought answers, I was met with silence. No one at INGO Money has been willing to explain why this ban was imposed or what, if anything, I can do to resolve it. Its as if they dont care that their decisions have real, negative impacts on peoples lives.

Dismissive and Disrespectful Customer Service : My attempts to resolve this issue have been met with nothing but disdain. Representatives have hung up on me, treating my legitimate concerns as if they were inconsequential. This kind of treatment is not only unprofessional but downright degrading. It feels as though INGO Money is using its power to silence me and others who dare to question them.

Denial of Essential Services : Being cut off from INGO Moneys service without reason feels like a targeted attack. I am being denied access to a financial service that they have near-total control over, and I am left with no recourse. This is not just about one consumers inconvenienceits about a company abusing its power at the expense of the people its supposed to serve. 

I urge the Consumer Financial Protection Bureau to take a close look at INGO Moneys practices. There is something deeply wrong when a company can monopolize a market and then arbitrarily decide who gets to access its services without any transparency or accountability. I am asking for your help, not just for myself, but for all consumers who may be suffering in silence under this companys unchecked power. 

Thank you for your time and consideration. I sincerely hope that you will investigate this matter thoroughly and take the necessary steps to ensure that INGO Money is held accountable for its actions.
Consumer complaint received 2024-09-09
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)

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 2024-09-09
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. (LA)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have adverse accounts on my report due to XXXX XXXX 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/year>. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company.

Experian is making everyday consumers that suffer from XXXX XXXX suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Hi, this is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with Experian 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 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.

Experian 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