davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : XXXX LATE PAYMENT ON FILE XX/XX/2021 XXXX LATE PATYMENT ON FILE XX/XX/2021 I AM requesting the deletion of the inaccurate information from ALL XXXX CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (FL)

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, Flagstar is reporting my mortgage payment late to the tune of 180+ days past due.

I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : Flagstar has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I contacted Flagstar, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXXXXXX-XX/XX/XXXX, ( contrary to the no paperwork verbiage listed on Flagstars website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX/XX/XX/XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted Flagstar twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. Flagstar replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MD)

i disputed the item on my credit report XXXX XXXX XXXX XXXX XXXX  it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and XXXX XXXX do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) I have not initiated any transaction with ( XXXX XXXX XXXX ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ( XXXX XXXX XXXX ) for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2024-03-18
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. (NY)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION STILL REPORTING IN MY CONSUMER REPORT : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of CONSUMER reports XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my CONSUMER report
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information according to the XXXX Compliance Reporting Standards and FCRA, If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and Midland Credit Management including the original contact between me and Midland Credit Management within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. THANK YOU!
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year>, I visited Bank of America concerning the incorrect withdrawals from my account. The agreement was for withdrawal on the XXXX of each month and the bank was withdrawing money on the XXXX of each month. This eventually ending in my account being overdrawn. I spoke with a Financial XXXX XXXX from Bank of America. I have contacted XXXX on two occasions about the status of the complaint and I have not received a response. The complaint ID is XXXX. I expect a written response from the company with some explanation and resolution for my inconvenience.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (GA)

This is a complaint to recognize the discrimination of XXXX injustice against XXXX  and XXXX decent people who have been a customer of Wells Fargo Auto Finance and also a Wells Fargo banking customer. I find that over that past 8 years until even now the Wells Fargo Banking institution has repeatedly ignored my request to explain why there was no acceptable explanation as to why my auto loan and banking products were not available at the equal opportunity level for the same products as white Americans. The latest incident is that I was sent {$410.00} for a product I was charged for over the years for their unauthorized add on identity theft product for identity theft. Having that I did experience identity theft, Wells Fargo not only charged me for the insurance support for identity theft but also didnt disclose they added on a product I was paying for and did not offer the paid for service to me. Wells Fargo only sent me letters of threats in closing my accounts and failed to mention that they were in fact charging me for identity theft services that I didnt know I could have benefited from if I knew I had this service. I personably walked into Wells Fargo XX/XX/year> with the success of securing my official identity and they continued to send letters of needing more time to establish identity. One year later I went into Wells Fargo to find out there are two bank accounts that have not still been corrected nor I have I received an explanation as to why was my daughter who was a minor at the time social security number linked to my banking accounts. I have recently received a phone call from a Wells Fargo representative requesting documentation of the issues I have with Wells Fargo to address my concerns but in actuality it is all because of racism. Wells Fargo has been unequal in terms of how they treat people of XXXX in their banking transactions, lending practices and business dealings with XXXX Americans. I am extremely uncomfortable with supplying Wells Fargo with the documentation that can be used to help them cover up the unequal credit opportunities I experienced in my banking relationship with Wells Fargo
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (NJ)

incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (NY)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00}
Consumer complaint received 2024-04-18
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. (NY)

I am a foreign national, and my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in XXXX, but I am providing the necessary information. Can you assist me? These accounts do not belong to me ; someone has used my information. Could you please remove them? Here are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc. (GA)

on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My XXXX XXXX account shows late. This account was never late I have sent countless letter to Equifax, XXXX, and XXXX about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I sold my sister 's car to XXXX XXXX for {$3500.00} via XXXX which she transferred to her name at NJ XXXX on XXXX. On XXXX XXXX I received an email from XXXX saying I had lost a dispute which I didn't know I had because the transaction was not covered under XXXX XXXX XXXX. ( see attached ). 
I called XXXX several times over the next several days to try to get some understanding and resolution. 
According to XXXX, XXXX XXXX notified her bank XXXX Bank of America ) that the transaction was unauthorized and requested a charge back which XXXX sent causing my account to go negative. I explained to XXXX about the car sale and sent them the Bill of Sale ( see attached ) but they said it was out of their hands because it was not an internal XXXX dispute but a charge back request for and unauthorized transaction in XXXX XXXX name from BofA. 
XXXX XXXX said she told both XXXX  and BofA that she had authorized the transaction and was not asking for her money back. She said her BofA account was hacked about 2 days before this happened to me. She said BofA closed her account due to suspicious activity so she no longer has an account there and they will not give her any information. 
XXXX says they can't help me and XXXX XXXX will not speak to me because I am not a customer of theirs. I'd really like to get my money back!
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Dismissed  Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Dismissed  Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

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 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023 I applied for a mastercard XXXX card, in good faith i submitted my application and was denied. I have a rite to credit 15 USC 1602. Regardless of the reason I was denied, denying me access to my credit is discrimination and is in violation of Equal Credit Opportunity Act, and Consumer Credit Protection Act. Withholding my securities is securities fraud and may carry civil or criminal liability and subject to fines and/or imprisonment. This is a consumer credit transaction. The property is to be used by the natural person for personal household and family necessities.