davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I was a XXXX customer. Since I became a Citizens Bank customer I have not been able to access my new account. I have not received a debit card and I am not able to open an online account. Since XX/XX/2022 I have been trying through numerous phone calls to remedy the problem. The post office in XXXX or XXXX does not function well. I want the bank to send me a debit card via XXXX XXXX envelope. I am willing to pay for the freight charges. They refuse to do so.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. 
I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the accuracy of the information contained in my credit report. Specifically, I am requesting the removal of all phone numbers associated with my accounts. 

According to the e-Oscar Metro 2 compliance guidelines, all information reported to credit bureaus must be accurate and complete. Any inaccurate or incomplete information can negatively impact my creditworthiness and ability to obtain credit. 

I have reviewed my credit report and noticed that several phone numbers associated with my accounts are inaccurate or outdated. I have made multiple attempts to contact the creditors to update this information, but to no avail. 

Therefore, I am requesting that you remove all phone numbers associated with my accounts from my credit report. Please ensure that this information is updated promptly to reflect the accurate and complete information required by law. 

If this request is not honored within the timeframe mandated by law, I will pursue legal action to ensure that my credit report is accurate and complete. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-04-13
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. (NV)

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
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: EQUIFAX, INC. (IL)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXX 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 instructions.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-04-22
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. (NJ)

This is my 1st Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I submitted a dispute with XXXX, XXXX, and Equifax stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my XXXX XXXX that the information was accurate and verified. XXXX, XXXX, and Equifax violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-09-27
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. (TX)

I know from reading my credit report that you say I have a chargeoff which is debt that has been XXXX and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity multiple times to CFPB and BBB for proof. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy immediately because we gave EQUIFAX XXXX XXXX multiple chances to make this right. 
Also, this account has previously been removed for fraud and re-inserted because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this negative item as well as compensation for the tremendous amount of time that this account has been reporting to my report.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CO)

I recived a validation of debt from I.Q Data international today XXXX XXXX letter is dated XX/XX/XXXX. I have attached This letter for your review. They are stating the principal balance due is {$740.00}, interest due in the amount of {$240.00}. How is interest legally charged on this debt? The lease information section states my lease end date as XX/XX/XXXX and my move out date is XX/XX/XXXX. My move out date and lease ended on XX/XX/XXXX per the terms of my lease and signed notice to vacate. Resident information has my prior address listed as my primary and my forwarding address as other. Why wasnt my address updated accordingly? If a notice was sent it was intentionally sent to the incorrect address. This is a very shady tactic! Charges are listed for damages and XXXX XXXX Original amount owed for damage is {$200.00} and balance due is {$660.00}. How did this amount increase? XXXX XXXX has original amount XXXX with balance due of XXXX. How did this amount decrease? There is a due date of XX/XX/XXXX listed however I never received a bill until this debt was reporting on my credit. At that time I contacted the courtyards at XXXX and spoke with XXXX who was the leasing manager and she stated she would send me a break down of fees via mail however I never received this. When I reached out to I.Q Data the lady I spoke with refused to provide me with a breakdown because the time period to validate the debt had expired. I wrote several letters to the credit bureaus disputing this debt to only receive generic response and no real investigation because the time period had expired.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my XXXX XXXX XXXX account in the total amount of XXXX USD utilizing Zelle 's services.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An account from 2018 is still on my credit report and all 3 bureaus. It appears closed on Transunion and paid in XXXX and XXXX which is inaccurate. This appears as XXXX card.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Refinance my mortgage and paid it off in full in XXXX  with XXXX  XXXX XXXX. Frivolous foreclosure was started in XXXX  without legal proof of cause for action. Bank fainting provides Federal Truth In Lending Disclosure got that closing timely, illegal attempt to foreclose with their own attorney acknowledging missing instruments for over 9 to 16 years. Proof of cancel debt and frivolous filing of 1099 with IRS of Interest payments when no money was tender.violation of Federal truth in Lending, collection, and billing act. And, FTC law. Manipulation and fraud.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

I had a balance transfer # XXXX expiring on XX/XX/XXXX for {$3900.00}. Which would then go to 19.49 % on XX/XX/XXXX per their transfer agreement. So on XX/XX/XXXX I paid {$400000.00} to roll over to XX/XX/XXXX per their new offer. Somehow their system did not apply the payment to the XX/XX/XXXX balance at 19.49 % but reduced my other open balance transfer due XX/XX/XXXX which was {$4000.00} on XX/XX/XXXX to {$1200.00} which was at 0.99 % already! and instead of creating a new balance due for around {$4000.00} due XX/XX/XXXX it only shows for {$2200.00} at 0 %. I have called many times since around XXXX and talked to various customer service people that are clueless.I even went in person to a Citibank branch in XXXX XXXX and they got me on a special line to repeat it all again. That person at least credit me the 19 % charges for the month of XXXX of {$64.00} but nothing yet on the other months : XXXX $ {$44.00} ; XXXX {$68.00} and XXXX {$59.00}! Last time I called Citi XXXX weeks ago they said would be fixed in about a week! That would have been last week! I need all those amounts credited and my balance transfer to be due on XX/XX/XXXX for {$4000.00} at 0 % and the screwed up one due XX/XX/XXXX for about {$4000.00} at .99 % asap!
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

On XX/XX/2023 at XXXXXXXX XXXX I attempted to obtain 3 credit reports. The only one I could get was XXXX. Both Equifax & XXXX said unable to give report ( s ). No explanation was given. In addition, the XXXX report was only available by using my prior address as my current address ; it would not accept current address of just under 1 year. This is not the first time I've had a problem obtaining the " free credit reports. '' There is always a problem of one kind or another in the past 10 years I have been using the service and I've just given up after the first time contacting XXXX by phone and ending up in a lengthy conversation with a representative unable to fix the problem or give an explanation of why the site was not reporting the proper information. I appreciate the " service '' but it's not a service if it doesn't work or is not available. Good PR though. I'd appreciate follow-up on this matter. Thank you.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after 180 account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I deposited a check for XXXX at a Capitol One atm on XXXX that I received from my apartment building for my security deposit. After I deposited this check I got an email from Capitol One that my check would be delayed until XXXX. I called Capitol One twice on XXXX and was told that the only way to get this check before XXXX and even then is not guaranteed would be to submit an Authorization of Endorsement letter that is notarized and signed by both my apartment building and myself. They first told me that this was because my account is at risk of withdrawal, then they said its because they dont know that the bank that issued the check ( XXXX XXXX ) has the funds, then they said is was because I had never deposited a check from this company, and then on my second call they said it was because this check has another party written on it and so it has to be delayed. The bank couldnt give me a straight answer as to why this check would be delayed for two whole months, something that has never happened to me before.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX****** I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.
Consumer complaint received 2023-04-22
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.