davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I closed my mortgage with Nationstar Mortgage ( Mr. Cooper ) on or about XX/XX/XXXX. I was to receive a disbursement of my escrow account in the amount of {$3700.00}. Per XXXX ( a ), they are legally required to send me this money within a timely manner. 

After receiving the check in XXXX, there was an issue with the physical check and I needed it to be re-issued. After calling on XX/XX/XXXX to ask for the re-issue, I was assured that re-issuing the check was not an issue, and that they would re-issue it. I was to expect the new check in 7-10 business days. 

38 days later, On XX/XX/XXXX, I still had not received the re-issued check. This crosses the 30 day window allowed through XXXX ( a ). I called Mr. Cooper back asking for the status, and they informed me that they would re-send the check, as it wasn't sent the first time. I would surely receive it in 7-10 business days. 

19 days later, On XX/XX/XXXX, I still had not received my check. I called to ask for a status, and they said they had no status but they could send it again, or request it to be wired directly to my bank. I chose the wire option as I didn't trust the mailing process anymore. They told me to give the wire 24-48 hours to clear. 

5 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they said they had no record of the wire transfer being made. They said they could resend it, and I obliged. They told me to now wait 3-5 days. 

7 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they told me the exact same thing- they had no record of a wire transfer being attempted. But that they could try again, and see what happens. At this point I was given a case number to possibly follow up with my next request, but I have no way of looking up cases through their website. 

As of today, I still have not received the wire transfer. 

It has been three months that I've been lenient with Nationstar dba Mr. Cooper, attempting to resolve this through them. Their incompetence and inability to return my funds to me in a timely manner has given me no other choice but to file a formal complaint.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in Washington D.C. I'm writing to you because I want to file a complaint against the credit card company Citibank. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX  from Citibank last XX/XX/XXXX. 

They have been giving me a very hard time and they don't want to activate my credit card even though I was approved for this credit card since XX/XX/XXXX. 

They are very mean and rude to me on the phone when I'm calling them. I got two very mean representative based in The United States who sounded like that were XXXX to me on the phone when I was speaking with them. They sounded like they were from one of the southern states. 

I'm originally from XXXX, XXXX and I'm a naturalized XXXXXXXX XXXX. I have a little accent when I speak the XXXX language. 

I applied for this credit card on XX/XX/XXXX and I was approved for this credit card the same day. I got approved for my new credit card last XX/XX/XXXX. 

They told me that they were mailing me the credit card in a few days. I was waiting for this credit card for around 13 days. I finally received it on XX/XX/XXXX during the night.. 

I tried to call the credit card customer service around 4 times with the intention to activate my credit card. I have an XXXX XXXX XXXX XXXX Account. I fly with them sometimes especially inside The United States. 

I want to link both accounts, I have many miles in my miles account and I want to preserve them but I'm not able to do it because my credit card customer service is not letting me activate my credit card. That's not right. 

Two of the representatives were telling me by phone that they saw attempted fraud activities. The credit card didn't arrive until XX/XX/XXXX in the night and the envelope with the credit card was completely sealed when I get it. 
I provided the customer service with my name, credit card number, date of birth and secret word that is my favorite teacher 's name.I also provided them with my code number that I received in my I have wasted hours of my time because of these credit card company employees and I called this XXXX number several times. 

Two representatives of the credit card company hang up the phone on me in a very rude way and one representative didn't call me back when he couldn't hear me even he promised to call me. 

I don't know what else to do to activate my credit card. 

I will appreciate your help and cooperation in order to resolve this matter. 

Respectfully yours, XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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)

XXXX XXXX XXXX Accouunt Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-16
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)

XXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX XXXXXXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on my 2 accounts to be removed.

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. 


XXXX XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NE)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XX/XX/XXXXXXXX Inquiries :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET XXXX XXXX OR ALL ALLEGATIONS YET XXXX XXXX OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XX/XX/XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (TX)

In the payoff statement, they charged {$7800.00} for the dates of XXXX, but the loan closed and was paid in full on XX/XX/28. 

I was told by the title company, 'they have never seen something like that ' but that most if not all would be refunded by SLS. 

I waited the 20dys they are given to refund. They sent a partial refund of {$1500.00} for what I assume is half escrow. 

I called on XX/XX/XXXX, and XX/XX/XXXX to resolve it. 

XX/XX/XXXX I was placed on hold for a 'Level 3 ' resolution rep for 47minutues. I had to hang up eventually to get my kids from school.. 

On XX/XX/XXXX, I was able to get through and was told it was escalated to the 'Cash Department ' and that it takes a week to resolve and that *I* had to call AGAIN to find out why or if or when they would refund. So they've been sitting on almost $ XXXX worth of interest for over 2mos, which is well outside the 20dy window. 

The company is SLS, Specialized Loan Servicing. 

They ALSO retracted my XXXX payment with no notice or explanation and started applying for all future payments in the arrears so my credit now reflects 4 late payments and tanked it. I fought and fought to get them to fix at least XXXX and XXXX and they said no.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DE)

On XX/XX/XXXX, I made a large overpayment of {$40000.00} on my ~ {$130000.00} student loan to EdFinancial. My remaining balance was ~ {$90000.00}. I called the Edfinancial on XX/XX/XXXX and requested that the payment of {$40000.00} be refunded to me. They honored my request and my Edfinancial account reflected this payment reversal within a few days. My loan amount went back up to {$130000.00}. However, I was not told when I would receive this refund back into my bank account. they did say it would come back to me in my original payment method ( in this case directly into my bank account ). I have periodically checked my account on Studentaid.gov and the loan amount there has remained at {$90000.00} despite that I am making payments on a {$130000.00} loan through Edfinancial. I waited patiently and contacted Edfinancial again on XX/XX/XXXX to let them know I had still not received my refund. I was then told that I should have received a check in the mail and was asked if I wanted to be issued another check. I said sure and told them that I was not aware that it was a live check and thought it was going to be put directly into my bank account. She said she would work on having them issue me another check. She said she would call me to tell me when they issued it again. I never received a call. I contacted them again on XX/XX/XXXX and was told again that the refund process was long and I just need to be patient. I contacted Edfinancial again on XX/XX/XXXX and was told that the refund would actually go into my bank account as this was my original form of payment and that I would not be receiving a check in the mail. this representative seemed helpful and stated that she would put an emergency request for my refund as it has been over XXXX months now. She said I should hear from them before the new year and will hopefully have my money back in the XXXX business days. I called again on XX/XX/XXXX asking if there was any update about my refund to which I was told that I needed to contact my schools financial aid department, even though I have been out of school for XXXX years and my loan is in repayment. this representative then told me I should wait to hear about my refund and that it is a very long process and I need to be patient. I spoke with someone again on XX/XX/XXXX and was also told that the emergency request was placed and I should hear something soon. I requested that Edfinancial update my loan information in the XXXX XXXX XXXX XXXX XXXX because the amount on their website is different than what is on StudentAid.gov. I explained that I need these amounts to match to submit to my employer. they submitted a request to have this information updated. I already spoke to StudentAid.gov and was told that this info can only be updated by my loan servicer, EdFinancial. I am very frustrated. I want my {$40000.00} refunded to me ASAP and I want the amount updated so that studentaid.gov has the correct loan data!! Please HELP!!!!