davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (GA)

XXXX has not been compliant with the legalities of credit reporting. I am a victim of identity theft. I have submitted documents verifying this fact for years however XXXX continues disregarding the code of law to block all fraudulent items with proof.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a XXXX. Charge in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  by XXXX XXXX bank of America card. That's fraud!! XXXX at BofA headquarters XXXXXXXX XXXX. is supposed to be working on it he is not!! Please send letter to him!! 
Also m and t sent check out for XXXX. To XXXX XXXX XXXX XXXX That must go to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX!! 
XXXX XXXX and carry XXXX stole XXXX. From me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please send letter to XXXX XXXX XXXX XXXX  headquarters in XXXX XXXX  XXXX 
XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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: Steel Lending Group LLC (NV)

I received a copy of my credit report. To my surprise, this account is NOT reporting correct information. This account is NOT reporting to my XXXX & XXXX Report But is reporting to my XXXX Report. According to the FCRA, i have the right to an accurate credit report. Please add this account immediately to my credit reports. Please provide me a copy of my new credit report reflecting this account added upon completion. 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I & My mother who is the sole account holder of the account gave this consumer reporting agency WRITTEN CONSENT to report on my consumer report which violates my rights as a federal protected consumer. NO reporting is discrimination. As a consumer I am demanding the addition of the account listed IMMEDIATELY!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/year> I noticed my identity was stolen from my XXXX credit report, because I noticed it is unknown charges made to my account, which effected my Trans Union XXXX XXXX credit report.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

My mom deceased on XX/XX/XXXX. I called to let bank know of her passing on XX/XX/XXXX and asked for account to be frozen to prevent any further transactions. She was sole owner of account and I am listed as XXXX. They informed me I can't do anything without a death certificate. I told them I was concerned regarding her account being left open but nothing I could do because i wasnt on the account and only listed as the XXXX XXXX The bank informed me of 2 atm withdrawals after my mom passed. On XX/XX/XXXX atm for XXXX and on XXXXXX/XX/XXXX atm for XXXX dollars. The bank informed me I have until the account was closed to dispute transactions. I reported this to the fraud department on XX/XX/XXXX. I let them know it's fraud to use any deceased person 's debit card or pin to debit card. The account was in her name only.These are un authorized atm withdrawals. The bank informed me they have concluded their investigation and found that no pattern of fraud was found and the claim is denied. I feel the bank has failed to property investigate these fraud occurrences and Un authorized transactions.
Consumer complaint received 2023-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: OLD NATIONAL BANCORP (NC)

I purchased my home for cash in XXXX After the sale of my Home- at the divorc settlement- a XXXX mortgage for an XXXX and XXXX XXXX XXXX old national bank. For a foreclosure in XXXX. Both legal councils, the title company- and the bank refused to help us. XXXX XXXX and XXXX XXXX. XXXX title ( XXXX, XXXX ) It took me 9 months to get the money found and returned to the title company. Now they all want more from it- and refuse to send me the rest of my divorce settlement. 
I have multiple emails. My complaint is with every company involved and an status update on follow up here would be appreciated
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I requested that my personal information be updated and reflected to what my drivers license identifies. Proper spelling of name and home address and that any other addresses or incorrect spelling of my name other than whats on my drivers license is inaccurate and must be removed.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-10
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. (IL)

My account with XXXX XXXX XXXX XXXX and XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and 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 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 that are reported 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 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 2024-07-27
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

In XXXX of XXXX this debt was written off by sprint, they allowed someone to get a new phone on my account whom i did not know or have any association with. The XXXX company was in the middle of being bought out by another company and i spoke with them and this bill was written off because it was fraudulent. Now the collector Jefferson captial systems is claiming this debt was opened on XXXX to the credit bureaus and this is not true, this debt was written off and the original date for this debt was XXXX not XXXX it was written off by XXXX in XXXX. I do not owe this debt and would like it removed from my credit. Thank you.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened. They are XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  Now owned by XXXX  XXXX  XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) an auto loan account opened at XXXX XXXX XXXX Now owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of 1974. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CRESCO CAPITAL INC. (TX)

Cresco Capital is reporting incorrect information to my credit report. I had provided the CFPB the screenshot of the incorrect reporting and the CFPB closed the complaint without the issue being resolved.

I am starting to think, that the CFPB has no power to effect change. I refuse to think that the CFPB does not care for the consumers. I know better. Cresco Capital is reporting {$560000.00} as the highest balance and blatantly lied to the CFPB or they are unaware of their error. 

I proved this with a screenshot of my credit reporting and it was overlooked or rejected. I will provide the CFPB a current screenshot which was taken today, XX/XX/year> approximately XXXX minutes ago at the time of writing this complaint. As you will see in the XXXX screenshot, the reporting dates are different. The earlier XXXX is from XXXX and the other is from XXXX. 

Also the difference in reporting dates is also cause for deletion. This account must be deleted asap. 

The account must be deleted. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I was issued a 1099c for three ( 3 ) charged off credit cards, Synchrony Belk, Synchrony Home and Synchrony PLLC., however my XXXX credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both Synchrony bank over six or more times and still no resolve. I have also attempted to dispute this via XXXX over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with XXXX and how my information have been reported currently. XXXX have also been rude and belligerent towards me in my attempt via phone
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (IN)

In XX/XX/XXXX, I entered into a loan agreement with Mobiloans. I then learned that Mobiloans is not a licensed lender in the state of Indiana - according to the Indiana Department of Financial Institutions, there is no record of Mobiloans having a lenders license of any kind. The XXXX XXXX XXXX XXXX confirms this - there is no record of Mobiloans having a lenders license in Indiana. It gets worse : In XXXX, the CFPB sued XXXX XXXX, XXXX and six subsidiaries ( collectively, the Think Finance Entities '' ), which includes Mobiloans, for deceiving people and breaking licensing and lending requirements- the result of which was all their loans in 17 states were considered illegal, void, and uncollectable - including Indiana. Apparently, Mobiloans is back at it again, in direct and flagrant noncompliance with the agreed stipulated order it entered into with the CFPB in XXXX. I have suffered - and will continue to suffer - real and substantial injury as a result of Mobiloans illegal lending practices. XXXX has been unjustly enriched as a result of its unlawful acts and practices at my expense. Adding insult to injury, I attempted to resolve this issue with Mobiloans via a notice of intent to file a claim for arbitration, received by Mobiloans on XX/XX/XXXX. They of course responded that they are not subject to any lending laws and in fact have 'sovereign immunity ' from same. Mobiloans ongoing behavior involving breaches of both state and federal law shines a bright light on their illegal lending practices, and the damages that illegal behavior has inflicted upon me are not isolated incidents - but in fact are a pattern of ongoing unfair trade practices tethered to a willful disregard for consumer protection laws that the CFPB itself litigated against XXXX to prevent but that XXXX has willfully ignored in their search for more lending victims like myself.
Consumer complaint received 2024-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC (MS)

This so called debt collection agency is calling me from XXXX. They said I got a payday loan from a company called XXXX XXXX that is located in XXXX, Alabama. I live in XXXX, XXXX and has never been to XXXX. I asked for information about the debt and they hung up on me. I called XXXX XXXX and they did not know who I was. They are constantly contacting me threatening to garnish my wages if I do not send them money. The guy tried to force me to give my bank info over the phone.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Capital Enterprises, Inc. (CA)

XXXX XXXX and affiliated company is stating that I have past due medical or ambulance debt from the XXXX XXXX XXXX XXXX I have never lived in XXXX XXXX or needed medical services from them and I am a victim of identify theft. I have health insurance via my Employer and go to XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (TN)

I was contacted by someone supposedly named XXXX XXXX who works to collect debt for a third party called XXXX XXXX. There is no actual XXXX XXXX and everything Im finding is either in a foreign language or reviews says they are scams. I have also found some interesting lawsuits that says this company is even banned from trying to collect debt. This agency called a friend of my brothers who I have met just a handful of times and never had ANY CONTACT with this person.. how can a legitimate company call people who have never had actual contact y with the person theyre trying to get a hold of. The number theyve been calling from is XXXX and their answering service is just an automated voicemail with no company name. I have attached information of what the website pulls up when I click it from my actual bank statement.
Consumer complaint received 2024-07-06
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: Porania, LLC (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.