davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
SHELLPOINT MORTGAGE XXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I had a balance of {$310.00} remaining on my account to be paid before the end of XXXX. It was paid by the end of that period and should have been paid with my payment on XX/XX/2023 of {$310.00}. I put it in for payment for arrival before the due date stated of the XXXX. 

On XX/XX/2023, I initiated another convenience check for {$1000.00} as it advertised to give me a year to pay it off with 0 % interest for 1 year from the date of use ( with 5 % fee ). 

When I received my statement, I realized that Citibank had applied my payment to the newly established balance that was to be paid in the coming year and NOT to the prior balance that needed to be paid in order to receive the 0 %. It was now incurring interest. 

I called Citibank, XXXX XXXX XXXX  ) to ask that this error be corrected. The customer service rep told me it was not a mistake, that was how they did things. She was hard to understand and hard to hear and said she could not call me back. I asked several times to speak to a supervisor and finally got a person who told me it was not right, would be corrected within 9 days and I would NOT be charged interest. So after long holds and many transfers, I hoped for the best. 

I then get emails from Citibank ( XXXX XXXX, XXXX  ) that indicate this is not so, but might be after reviewed and should be taken care of. They also called and I relayed what their reps had stated about it would be taken care of, that no interest would be charged and their normal procedure it seems if no one complains and can't be deterred. I also let the person I spoke to on the telephone know that my issues were not with their customer service phone personnel who only responded as they were able, but were with the executives and policy makers at Citibank. 

This all seems fraudulent to me. If no one complains they get XXXX XXXX  from many because of it. Even complaining they don't seem to comply. I do not understand why it was not immediately resolved as it seemed an error on their part. 

To date, I get emails when I inquire on status, but no resolution. I checked today as I have a new statement and it shows interest charged on the balance that should have been paid with my payment. 

I have a number for my original email from Citibank ( XXXX ) if it is helpful.
Consumer complaint received 2023-09-25
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. (NV)

Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX Acct : XXXX : This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX XXXX  in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-07
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)

Dear Equifax I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX Reporting 30 days past due for XX/XX/ In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. Please remove this late payment from my credit report.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

I noticed while looking at my Costco Anywhere Citicard rewards that it had acknowledged and accepted the charges at XXXX XXXX XXXX XXXX, but was only giving me a 1 % reward for those purchases. When I contacted them, first I was forced to use a bot to try and elicit information, to no avail. Then I was able to live chat with a representative, named XXXX ( according to the system ), who proceeded to tell me that all grocery store gas stations are exempt from this. I then proceeded to ask why this wasn't made clear or available to customers, without knowing they needed to ask for the additional detail regarding the 4 % vs 1 % on gas purchases. 
According to both Citi and Costco 's website 's they state the offer is : " 4 % Cash back on eligible gas and electric vehicle ( EV ) charging purchases worldwide, including gas and EV charging at Costco for the first {$7000.00} per year, and then 1 % thereafter. '' They do not provide the details up front of what is considered eligible. It took specifically asking, after noticing I hadn't received my rewards properly, to get the full details, including a pre-meditated list of gas stations that wouldn't be eligible for the " 4 % cashback '' I believe that this is not only false advertising, but also an anti-competitive strategy agreed upon by both Citi and Costco. 

Thanks for your time.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA (CO)

We are in the process of buying a house. And we need to send the earnest money to the title company by a certain day ( XXXX XX/XX/2023 ). On that day, we called Goldman Sachs and asked to do a wire transfer. Their website says ACH may take 1-3 days. But if you are in a hurry, you can do a wire transfer which can be processed by XXXX ET on the same day. The next day when we checked the status of the wire transfer, we found out it had been put in a queue. And we were told itd take 1-3 business days for this to go through. It was already past our deadline. We could lose the house because of this. We made multiple calls to try to get to the bottom of this. We were told it had been expedited and they wouldnt tell us when the transaction would go through. They still gave us the 1-3 business day line. We tried to talk to two of their managers ( XXXX and XXXX ) who were both extremely rude and arrogant. XXXX even hang up on us. If you dont do what you advertise on our website, then whats the point? As a company, you lost all the credibility with us. Well move our business elsewhere. By the way, theres a case number on this, XXXX. I dont trust them to keep it though.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

On Thursday XX/XX/XXXX a notice was posted about Navients AG Settlement. According to the guidelines on the Navient XXXX settlement website, section 9 of the web pages states " Who is eligible for private loan debt cancellation? '' and in that section it states that one must : 1 ) Have taken out sub-prime loans through XXXX from schools listed on the site between XXXX and XXXX XXXX ) Have fallen behind on payments by more than XXXX months at some point before XX/XX/XXXX. The settlement ended on XX/XX/XXXX. Going off both of those guidelines, I was told that I didn't qualify due to the fact I was never in default. My accounts were opened in XXXX of XXXX and XXXX of XXXX with XXXX XXXX at the XXXX XXXX XXXX XXXX, owned by the XXXX at the time. According to my credit reports back then, I have defaulted into charge-off status in XXXX, right after the separation of XXXX XXXX and Navient XXXX and been in delinquency along the way til now, which indicates that I qualify for the private debt relief.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax XXXX XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Consumer complaint received 2023-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine, this was my husband and we are divorced. This debt has been deemed his full responsibility. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-09
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. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.