davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Problems with Citibank : 1 ) Citibank has chosen to close my credit card account. They would not explain the reason for closure over the phone. They claimed they would send the reason by postal mail. I never received it.

2 ) Citibank owes a refund of {$200.00} I never received it.

3 ) I have phoned Citibank many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation.

4 ) Any issue of post office delivery was resolved months ago. There is no local issue.

5 ) This " lip service '' from Citibank has been going on since early this year. I also filed complaints with this consumer bureau back in XXXX ... .still no results.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

According to XXXX, Bank of America states that my DATE OF LAST PAYMENT was XX/XX/XXXX. 

According to XXXX, Bank of America states that my DELINQUENCY DATE was XXXX XXXX, XXXX. 

The discrepancy between these two dates determines when this negative credit report will be eliminated from my credit history in XXXX. 

I filed an XXXX dispute with Bank of America over this issue. XXXX XXXX # XXXX. 
Bank of America replied that their DELINQUENCY DATE is not the same as the DATE OF LAST PAYMENT. They insisted that the start date for my seven years is their DELINQUENCY DATE, not the DATE OF LAST PAYMENT. 

I believe the DATE OF LAST PAYMENT and the DATE OF DELINQUENCY should be the same date. Otherwise, Bank of America can arbitrarily assign any DATE OF DELINQUENCY they wish, and consequently elongate the 7 year period a consumer must wait for the negative report to be eliminated. This is exactly what Bank of America is doing. How can the law allow Bank of America to assign any DATE OF DELINQUENCY they like, at their whimsy, without restrictions or safeguards to protect the consumer?
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

I received an email from Chime Bank on XX/XX/23 regarding an account opened in my name with my email address, mailing address and SSN, but with a different out of state cell phone for the account ( XXXX ). I received several other emails indicting that a debit card was being mailed to my home. I emailed Chime several times with no response. I called them multiple times. It was almost impossible to reach a live person but finally spoke to someone ( after being " accidently disconnected 5 times ). They did not refer the account to any sort of fraud or flag it, but instead told me they would close the account and send me a confirmation letter ( which I still have not received ). I quickly filled out information on identitytheft.com and mailed Chime a letter asking for confirmation of the closing of the account and have not received anything to date. The next step recommended by identitytheft.com was to contact consumerfinance.com.
Consumer complaint received 2023-08-15
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: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC has failed numerous times to validate the debt for well over a year. I have never seen an original agreement that I entered with LVNV Funding LLC. They always say thats its verified but never validated. I have been threaded by this company and bullied. They have even contacted people who have no clue about this account such as my girlfriend, parents etc. I demand the harassment to be stopped and that they follow federal law by removing it from all credit reports since it has been well over 35 days to show debt validation with LVNV funding LLC
Consumer complaint received 2023-08-15
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: American First Finance, Inc. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

On XX/XX/23, I began receiving auto-dial calls from Navient. I had been submitting payments monthly to Navient and there was no reason for them to begin reaching out. On XX/XX/23, they began auto dialing me 3 times per day. On XX/XX/23, I spoke with them and they informed me that beginning on XX/XX/23, they started applying my full payment to 3 out of 4 loans only, causing one loan to fall behind in payments, while 3 loans to be ahead. I asked them to retroactively apply the payment correctly to cover all the loans and they said too much time has lapsed for them to apply the payment correctly, and I would need to pay them more money. They harassed me during this period calling 2 times on XX/XX/23, 3 times on XX/XX/23, I spoke with them on XX/XX/23 and when they called again on XX/XX/23, I asked them again to apply my full on-time payment to all four loans, she stated she would look into it and that she removed me from the auto dialer. Yesterday, XX/XX/23, the autodialer calls started again. One at XXXX, another at XXXX, and XXXX. I send a check for the same amount every month on the 5th of the month. I did not ask Navient to change how they disburse my payment, but it started happening on XX/XX/23 for some reason that Navient has not disclosed to me. This caused a negative payment status for me even though Ive been making my payments the same as I always have. Furthermore, they did not seem interested in fixing their mistake, instead using manipulative tactics ( for example calling me 3 times per day and putting me on hold as soon as I answer ) to get me to pay extra than the agreed upon amount. Even after I expressed to them multiple times that I wanted them to fix their mistake and apply my payments in XXXX, XXXX, and XXXX correctly to all four loans, they vaguely say its not possible. Then after telling me they removed me from the autodialer, they calls began one week later.
Consumer complaint received 2023-08-15
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible : ACCOUNTS : XXXX XXXX Account Number : XXXX. INQUIRY : XXXX XXXX
Consumer complaint received 2023-08-15
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. (GA)

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. 

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 has violated my rights. Or 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 2023-08-15
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-08-15
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: EQUIFAX, INC. (HI)

Hi, I am personally reaching out to you that there are inaccurate filings on my credit report. In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names, and Account # 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 XXXXXXXX All these account have violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 even years.

15 U.S.c. 1681s2 ( 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 informations inaccurate.

This inaccurate information is preventing me from the ability to attaining new credit cards, or a car loan.
Consumer complaint received 2023-08-15
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: Self Financial Inc. (NY)

In accordance with the Fair Credit Reporting act SBNASELFLNDR Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (FL)

In acc

ordance 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. 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 informationisinaccurate.
Consumer complaint received 2023-08-15
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. (NV)

am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information.

According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide. 
I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards. 
In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation. 
PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS
Consumer complaint received 2023-08-15
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. (VA)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-15
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Every year around the same time of the year ( XXXX - XXXX ), ( a ) Roundpoint demands that we send them a copy of the Master Policy for our HOA ; ( b ) we send them a copy of this policy and get a confirmation of them receiving the policy ; and yet ( c ) they send us letters pretending to have never received the policy. 

The same exact thing happened to us last year and was chronicled in CFPB Complaint XXXX ( attached ). 

They are literally the only mortgage servicer we have that makes zero effort to get the master policy themselves, which is ridiculous by itself, and yet even when we provide them the policy, they claim they never received it. 

I'm not sure if they are doing this purposefully to try to force borrowers to take out unnecessary policies under the basis that they are supposedly uninsured. 

I have attached a copy of the previous complaint, the Master Policy, and the email confirmation. The proof of submission is from XX/XX/XXXX, and their letter claiming they never received it is from XX/XX/XXXX.
Consumer complaint received 2024-10-31
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. (GA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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.