davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (DE)

Lowes ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$2200.00} ( see attached ). However, on the credit report is reads : {$2300.00}. Therefore, this account should be removed from all credit reporting agencies.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

I tried calling the company listed on my XXXX  that did a hard inquiry without my authorization I did got the run around the company didn't exist I got sent to synb bank they  said I had to go back to XXXX  I keep going in circles and I need your help
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 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 instruction.

15 U.S.C. 1681 Section 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 instruction.
Consumer complaint received 2022-04-12
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. (GA)

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, XXXX and Equfax. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - XXXX, XXXX and Equifax. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, XXXX and Equifax.
Consumer complaint received 2024-02-16
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NE)

I recently sent a dispute through all 3 credit bureaus to have a closed account with your bank removed from my credit reports. You responded to XXXX and XXXX, and indicated information was accurate, but would not agree to remove it. I am writing to request the it be removed for the following reasons : 1. The account has a XXXX balance. 
2. I closed the account, and paid the balance in full on XX/XX/19. 
3. This has been on my report for 3 years in XXXX, which I feel is sufficient. 
4. I had one late payment the same month I closed and paid the account in full. 
5. I had made all previous payments on time, and made minimum payment each time. 
6. Indicates I had a high balance, which is somewhat misleading, due to the fact that a part of the was interest. 

Due to the reasons stated above I would appreciate it if you would remove this account from all 3 Credit Bureaus as soon as possible.
Consumer complaint received 2022-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

XXXX became upset when I alerted them that I will no longer do business with them after my vehicle was sent to a shop ( of their choice ) that destroyed my vehicle interior and exterior. I sent videos and pictures of the damage and asked for my vehicle to be moved to another shop and for a XXXX rep to go visit the shop to see the damage. They refused and now they have damaged my credit with a false collected after getting an advanced payment and plenty of written and verbal information regarding the last day of my insurance under them.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NA # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  bankruptcy dismissed # XXXX has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance to FCRA converging account XXXX has violated my rights. 

15 USC 1681 Section 602 A ; states I have a right to privacy. 

15 USC 1681 604 a Section 2 also states that a consumer reporting agency can not furnish an account without my written permission. 

On XX/XX/2022 the bureau in question stated that the account was updated, however it is not 100 percent accurate as requested. Bureau shows over 43+ late payments without further verification. Also the bureau further contradicts themselves on the consumer report as PAY STATUS is stated by bureau as current ; paid, or paying as agreed, with a payment showing posted as recently as XX/XX/2022. The consumer report is filled with inaccurate and inconsistent information and must be resolved.
Consumer complaint received 2019-07-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. 

After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. 

I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. 

I received zero notifications. 

I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. 

Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. 

The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. 

Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands  of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. 

The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. 

I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. 

It has been close to a month and I have received no refund.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CT)

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 Firstsource has violated numerous provisions under the FDCPA and has attempted to collect money in commerce on a unlawful debt that arose out of a FINANCE CHARGE between I and XXXX XXXX where a SUM OF ALL CHARGES satisfied the obligation when a consumer credit transaction occurred. Firstsource has not validate any lawful debt and has attempted to debt park and coerce RE_payment from me in commerce. Firstsource has committed fraud in commerce and has violated my right to privacy described in 15 USC 1692a and Privacy Act Of 1974 by acquiring my name, address and other personal identifying information without prior consent and IRS Form 3949a and 211 will be filed against Firstsource if this matter is not resolved. I have suffered lost of wages due to XXXX XXXX XXXX XXXX  because of the violations committed by Firstsource. This will be my last attempt in good faith to settle the matter outside of court.
Consumer complaint received 2022-05-22
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. (NJ)

My Experian credit reports that were mailed to me were empty, and Experian was unable to create an online account for me. 
Since XX/XX/XXXX, I have called numerous times and filed several disputes, sending twice a copy of my social security card. To no avail. The Experian system doesn't recognize me. 
I have had a bank account with XXXX XXXX XXXX since XX/XX/XXXX. 
XXXX  XXXX XXXX conducted an investigation in XXXX that revealed that they have been reporting my credit to Experian, but Experian 's system does not accept this information due to an issue with my first name. 
My credit information appears in XXXX and XXXX without any issues.
Consumer complaint received 2022-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

During Covid, XXXX XXXX offered mortgage relief ( I have two loans for two houses, XXXX XXXX was awesome, Bank of America was horrible, and my new loan servicer for the BofA loan is good ). I did not have to pay on my mortgages until they told me to. Then the loan servicers forwarded an offer from XXXX XXXX to modify my loans, to include the extra accumlated from Covid ( interest, taxes and interest ). Which I accepted. 

Bank of America " loan servicing dept '' called me three days a week during the time to make sure everything was following XXXX XXXX rules. On XX/XX/2022, I completed the requirements for the loan modification. I was ordered to stand down by BofA loan servicers until further notice. That loan servicing corporation was now responsible for my loan. 

Meanwhile, the Bank of America forclosure department started sending demand letters that were alien to the XXXX XXXX contractual offer. 
Then AFTER bank of america no longer had any legal authority on the loan. The forclosure department was trying to shake me down for {$45000.00} in " arrears ''. 
Then the foreclosure department reported me to credit reporting agencies in XXXX as being 120 days in arrears in XXXX. When they had no legal authority on the loan for several months, thus no legal ability to make the report. Thus taking my credit score down to XXXX. 
This will affect my employability, my current loans and other critical aspects of life
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (FL)

I have previously filed a complaint against the company Brite Financial Service XXXX XXXX XXXX I spoke with the creditor via phone on XX/XX/XXXX after the complaint was filed with the CFPB, on XX/XX/XXXX the creditor was very upset and advised verbally I would pay for the complaint filed against the company. I advised the creditor I filed the complaint because the vehicle financed was a XXXX XXXX, which the engine was blown and recalled by XXXX and I actually won a class action lawsuit against the company and received payment from the company. 
XX/XX/XXXX Brite Financial made an update to my credit report, reporting 6 late payments which were never reported prior to my complaint filed with the CFPB. 
I have attached documents to proved this account was closed XX/XX/XXXX last payment paid to brite financial XX/XX/XXXX I have also attached Recall notice for vehicle Vehicle was returned to the creditor with a defective engine, as per the recall notice from XXXX XXXX. 
Brite financial is operating unethicality and reporting incorrect information on my credit report. I am filing an additional complaint to have this account removed from my credit file permanently due to the unethical actions of the company against me and my credit profile.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 Days late XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 120 in XX/XX/XXXX I am not sure how this happened. I believed I was under a different payment program due to family situations, I was assured by a representative that they would not mark my payments late!
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Aurora Loan Services abusive loan servicing practices. In XX/XX/XXXXthey held XXXX plus in their restricted account and refused to release it to us. They placed forced insurance on our account in XX/XX/XXXX and refused to take it off after we notified them we had insurance creating shortages in our escrow account. 
In XX/XX/XXXX they closed XXXX XXXX and forded all other periodic statements to a fictitious address of XXXX XXXX XXXX. 
In XX/XX/XXXX were notified we by their attorney XXXX XXXX our loan was in default by 39 days, we immediately contacted them and was told we had XXXX in a suspense account and we need to send about XXXX to cure the default, which we did, they refused the money and said its in their attorneys hand. 
We have been fighting since and have requested documentation from them of our servicing of our loan until now, they have refused to give them to us. 
They have denied Loan Modifications, They have forwarded Fraudulent Documents in the Courts. 
They have refused to work out anything with us.