davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am writing to file a formal complaint against Bank of America, located at XXXX XXXX XXXX XXXX XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Bank of America has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Bank of America no longer owns this account and has been compensated for it, the persistence of this data point and/or trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the data point and/or trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Bank of America is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of information in my credit report, compelling Bank of America to rectify any inaccuracies found. 

Bank of Americas refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Bank of America to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Servicing Department : Please be advised this notice is in regards to recent Commonwealth Financial Systems claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. 

I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to Commonwealth Financial Systems, from the original creditor. Furthermore, I request that Commonwealth Financial Systems to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions. 
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that XXXX XXXX  acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. 


Respectfully yours, XXXX XXXX XXXX ldw
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
Consumer complaint received 2019-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Servicing Department : Please be advised this notice is in regards to recent I.C. System, INC, claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. 


I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to I.C. System, INC. from the original creditor. Furthermore, I request that I.C. System, INC. to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX  credit file pursuant to FCRA provisions. 
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that I.C. System, INC., acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. 


Respectfully yours, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (IL)

I asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (WA)

XXXX XXXX is reporting on XX/XX/19 that we were 30 days late for our payment. In our bank statement it shows we paid XXXX XXXX  for that payment of {$300.00} on XX/XX/XXXX. I have called kay and they refused to help me get this removed from my credit report.
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (CA)

I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX 6. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (FL)

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of Downtown LA. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. 

On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. 

I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. 

I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. 

This is ... ..wrong. Please help. 

Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

I applied for a CareCredit card from Synchrony Bank with a XXXX limit in XXXX and borrowed XXXX with a promotional offer that said no interest if paid off in 6 months. I paid it off in XXXX several week in advance of 6 months. however my account shows XXXX of accrued interest. When i called to complain they indicated promotion was only for the first {$500.00} borrowed and i was required to pay the interest. This was extremely deceptive. The only reason i used this card was for the promotional offer. Spoke with Supervisor XXXX employee ID XXXX who indicated there was nothing they could do.
Consumer complaint received 2019-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a 2011 XXXX XXXX for {$15000.00} on XXXX.The Finance company is XXXX XXXX XXXX XXXX After looking at my account on today, XX/XX/XXXX, my statement for the payoff balance is {$14000.00}, with ALL full payments going towards the interest at 100 %. I have attached my transaction history. There has only been {$400.00} applied towards the principle of the car starting in XXXX of XXXX. I have been making payments of {$420.00} for the past 4.5 years and  none of those payments have been applied to the principle. Which means that I have been paying only the interest on a XXXX vehicle for 4.5 years. After speaking with the representative at XXXX today, she informed me that the amount still owed on the car is due to 6 extensions that  I have been granted over the life of the loan. 6 extensions over a 4.5 year period is far from unreasonable. Especially, when the extensions were due to over 10 recalls most not covered by the manufacturer, that I paid out of pocket for and mechanical issues with the car. I was also told that once I pay the last {$64.00} of the interest from the extensions most of my future payments would then go towards the principle of the car in which I will be paying another {$14000.00} in additional payments to pay the car off. As of today I have paid over {$20000.00} and I still owe {$14000.00} for a car purchased for {$15000.00} in XXXX.This company is practicing predatory lending by implementing negative amortization within there loan contracts which is deceptive to the consumer.
Consumer complaint received 2015-11-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (NC)

I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.