davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello, On XX/XX/XXXX, at approximately XXXX XXXX  - XXXXXXXX XXXX  I contacted bank of america and spoke to a woman in Texas. I told her very clearly to transfer {$14000.00} from credit card ending in XXXX to the card ending in XXXX. Despite my repeated attempts at communicating this, she still somehow managed to mess up and transferred it the other way around. Because of this, I had to clarify how she transferred incorrectly and the call took more than 30 minutes longer and likely had multiple inquiries within my account because of the representative 's mistake. I would like these inquiries removed from my account as I should not be penalized for them, despite my many attempts at clarifying the transfer, the representative still managed to mess up. Please feel free to check the call log and check the recorded call to see how this unfolded.
Consumer complaint received 2024-09-06
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. (NJ)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

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 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-08-24
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: Experian Information Solutions 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.

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 2024-07-08
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. (GA)

The statute of limitations to report an account on a credit report is 6 years. This account XXXX XXXX XXXX is past the statute of limitations and needs to be removed immediately. The account was allegedly opened in XXXX of XXXX  which would now put it past the statute of limitations for appearing on my credit report.
Consumer complaint received 2024-09-11
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. (FL)

I have made multiple attempts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These erroneous entries have had a severe impact on my well-being, causing considerable distress. It is important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (OH)

A company named " LJ Ross Associates Inc '' contacted me via phone regarding a debt of {$250.00} stemming from " XXXX XXXX XXXX '' in which I owe none of. I responded to the company and requested the original contracts in which they are claiming I am attached to. " LJ Ross Associates '' has yet to yield those requested documents as they do not even exist. I am not responsible for any debt regarding " XXXX XXXX XXXX '' nor have I knowingly established any contracts with " LJ Ross Associates ''
Consumer complaint received 2024-07-08
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Per the CFR Article 8 As a federally protected consumer I am now opting out of all and any authorizations per CFR 313.7 and I the consumer may have written you, written, unwritten, verbal, and non verbal per 15 usc 6802.

I am seeking compensation for damages, public humiliation, and violation of consumer rights. 
Proof of claims are in the uploaded files.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

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 2024-07-08
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. (CO)

Experian is disregarding legal statute. They claim to have somehow verified an item I requested. Therefore, I legally requested a description of the procedures used to verify the information. I requested answers to the following questions : What certified documents were reviewed to conclude your investigation? 
Provide me with a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA i.e. Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the alleged creditor, or in this case, the entity acting as a XXXX XXXX XXXX Collector? What is the position of your employee that spoke to the creditor? To date they have not responded to this request.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

I have XXXX mortgage loans at XXXXMr. Cooper. I paid the first at their online portal. When I went to pay the second mortgage I received a notice onscreen that my loan was transferred and I was unable to make my mortgage payment. No information was available regarding when or to whom the load was transferred. 

I called the XXXXMr. Cooper customer service number, and when it identified the load in question, the system simply said it was transferred to a new provider and to contact them. It provided no option to find out the new provider 's identity or how to make my mortgage payment, or how to reach a person. The system then hung up on me. 

I had recieved no letter from XXXXMr. Cooper, nor from a new service provider regarding an impending transfer of my mortgage. 

This is an unacceptable position to be in, not being able to make my mortgage payment, or to know the new servicer. XXXXMr. Cooper makes it impossible to reach a human being for issues their system does not address properly.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I requested that Discover Credit Card Company update the balance to XXXX on my XXXX credit report after they mailed me an IRS 1099-C tax form for a XXXX debt that had already been written off. I included this 1099-C in my tax filings and have already paid taxes on it by filing my XXXX  IRS tax return. Despite this, Discover has been deceptive and has not updated the balance from {$11000.00} to {$0.00}. I have disputed this XXXX times with no resolution. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (MA)

I received an email today XX/XX/year> alerting me that my SOFI credit card was closed due to 14 months of inactivity. This was the first email I received. The company gave me no advance warning. Had I received any communication that my account would close in 60 days or 30 days, I would have happily made a charge on it. When I called, the account manager told me there was nothing she could do and nobody else with whom I could speak.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (TX)

On XX/XX/year>, I sent a debt validation request letter by certified mail through the U.S.P.O for the alleged debt that NELNET says I owe. In return, I received a letter back from NELNET stating that the debt is validated. NELNET never sent me, the original creditor 's information, proof of ownership and assignment, a sworn affidavit signed under penalty and perjury that I owe this alleged debt, validation of the debt, or verification of their authority to collect the debt. By law, if I request any information about any alleged debt, it has to be given to me or all collections attempts and credit reporting has to cease. FCRA!!
Consumer complaint received 2024-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

I just attempted to access my Citibank accounts via the app on a new phone that was activated today ( XX/XX/XXXX ). So I put in my user ID and password. The next window tells me to : Call customer service at XXXX ( outside the XXXX call XXXX ) to retrieve your XXXX XXXX XXXX. I call the customer service for the code and ask why I am calling Citibank when I have put in all my information on the app correctly. I am told that the new cellphone provider-XXXX- put a " XXXX '' on my phone number. 
I ask him ( not nicely at all ) why is a cell service involved in Citibank app security. That makes no sense at all. He continues to insist that XXXX has put this block on my phone number and that Citibank has XXXX to do with it. I call XXXX and say again that makes no sense and this sounds like Citibank locking me out of my account on the app. I then ask if the XXXX XXXX  has anything to do with this? And get the response : I can't tell you that. He then ends up saying that he can't provide me with the XXXX XXXX XXXX today ( XX/XX/XXXX ) and I would have to wait until XX/XX/XXXX. 

I traveled oversees last year and used a XXXX cell service provider on a separate XXXX and had no problem accessing my information with a different banking app. I just checked the other banking app I have on my new phone on the new XXXX  network and no problems logging in. 

Citibank seems to think it is perfectly fine locking people out of the Citibank app for 3 days for a reason they won't disclose to their customers. It also looks like this has been going on for at least 2 years. 

I would like to know several things : XXXX ) Is this a XXXX XXXX requirement when switching cell service providers? 
XXXX ) Can a bank lock you out of the banking app for 3 days without explanation and deny you access to your accounts? 
XXXX ) If it is not a XXXX requirement then how does the XXXX XXXX allow Citibank to get away with this XXXX? I know it's not the cell service provider because I just logged into a different banking app without issues. 
XXXX ) What would have happened if I tried to access the money in my Citibank account overseas on an emergency basis in XXXX via my XXXX? Would I have been locked out of the my accounts? 

This is serious and needs to be addressed.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (CA)

On XX/XX/year>, I checked my XXXXXXXX XXXX XXXX credit reports and noticed inaccurate unlawful and unverified late payments from Kikoff and XXXX. 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I needed a replacement ATM card. I submitted the request on XX/XX/2024, The new card was issued on XX/XX/2024. I was notified it was mailed by regular mail on XX/XX/2024. The card was mailed from XXXX XXXXXXXX XXXX and had to go to XXXX XXXX As of XX/XX/2024 I had not received the card and called the bank. I asked to have a new card sent again by express mail and that I would pay for the added expense. I was told that was not possible and was referred to the digital alternative. The three places I desperately need to use my ATM card do not accept XXXX or XXXX XXXX. I need the card, or at least the number. The customer service agent elevated my issue to an escalation manager who, by the bank, was left in no position to help me. I am back to waiting for my card to show up by regular mail. I am a XXXX XXXX of the bank with a XXXX XXXX customer history. The escalation manager said mine was the most common complaint he receives. Well then, Wells Fargo, do something about it!
Consumer complaint received 2024-09-24
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. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (PA)

I am currently unable to check the remaining balance of an American Express gift card that I received as a gift. Multiple attempts over several days to check the balance on XXXX  : //XXXX.amexgiftcardXXXX XXXXave consistently resulted in the website error message " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' Multiple calls to the phone number listed on the back of my gift card, XXXX have also failed, with the repeated message " Your call could not be completed as dialed. Please check the number and check again '' after which the system disconnects you.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Account name XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold - Date opened XX/XX/year> Status updated XX/XX/year> Account type Debt Buyer ( FRAUD AND IDENTITY THEFT ) Status Collection account. {$38000.00} ( XXXX XXXX AUTHORIZED ) past due as of XX/XX/year>. ( UNVERIFIABLE ) Balance {$38000.00} ( UNVERIFIABLE ) Balance updated XX/XX/year> ( UNVERIFIABLE ) Original balance {$38000.00} ( UNVERIFIABLE ) Monthly Payment - Past due amount {$38000.00} ( UNVERIFIABLE ) The debt buyer reporting on my credit report has inaccurately listed a debt that I do not owe. This debt is fraudulent and a result of identity theft, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692e, which prohibits false and misleading representations of a consumer 's debt. Additionally, this debt is unverifiable and inaccurately reported, violating the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which requires that all information on my credit report be reported with maximum possible accuracy. The unauthorized use of my personal information and reporting of this false debt constitutes an invasion of my privacy under 15 USC 1692c, further damaging my creditworthiness. Under 15 USC 1681n and FDCPA, I am entitled to seek compensation for the harm caused by this misrepresentation and violation of federal law. This debt must be removed from my report immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX This company refuses to delete this of my credit report and refuses to provide original contract from XXXX  XXXX signed by me also continues to report inaccurate information
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WI)

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 : collection/charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX