davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with ( XXXX XXXX, XXXX XXXX, STATE OF MI XXXX XXXX, XXXX, XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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, STATE OF MI 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 2024-06-15
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$870.00}
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLSTATE LENDING GROUP, INC (MD)

I sent the following to XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Credit Report To Whom It May Concern, I am writing to formally demand that you XXXX  and XXXX  all collection activities related to the alleged debt you claim I owe. This debt can not be validated and, under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request immediate cessation of all collection efforts, including contact by phone, mail, email, or any other means. 

Additionally, I demand that you : Immediately stop reporting this debt to all credit reporting agencies ( XXXX, XXXX, and XXXX ), as you are required by law to cease collection activities on any disputed and unvalidated debt. 

Remove any reference to this unvalidated debt from my credit reports, as it is negatively affecting my credit standing. 

As outlined under XXXX XXXX. XXXX ( b ) of the FDCPA, you are required to validate the debt before continuing with any collection efforts. To date, you have failed to provide sufficient documentation proving the validity of this debt, including : A copy of any signed agreement or contract associated with the alleged debt. 
Detailed account statements showing how the debt was calculated. 
Proof that you have the legal authority to collect on this debt. 
Until such validation is provided, you are prohibited from engaging in any further collection activities, including reporting to credit bureaus. If you fail to comply with this cease and desist demand and continue collection efforts or reporting, I will be forced to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA. 

I expect your prompt attention to this matter. Please provide written confirmation within XXXX  days that you have ceased all collection activity and have removed this unvalidated debt from my credit reports. 

Sincerely, XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-15
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Someone got a hold of my personal info & tried opening XXXX accounts. Now there are XXXX inquiries on my report that reduced my score I have a credit freeze on all XXXX bureaus
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-30
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: LEXISNEXIS (IL)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

In XXXX of 2023, I called to change from the XXXX plan to a standard repayment plan. I chose the XXXX plan because I was advised to by colleagues and it was promoted on the site ( " Need better payments, choose XXXX XXXX '' ). They did not tell me what the new cost would be. My payment went from {$150.00} to {$670.00} a month, beyond what I could pay. 
I called multiple times and their wait times were extended XXXX hours after the time I called, past their open hours, and when I left my number I did not hear back. When I got a hold of them I was told ( in XXXX ) that I could change back and that it would happen by the end of the day or within 10 days. It did not happen. I called back in XXXX and they said it took up to 45 days. When I asked why they said they were behind on processing. I was then told that it would change " any day now. '' Same conversation in XXXX. I called XXXX and they told me it would be put on an emergency path and would be taken directly to a manager to be changed and the balance of my account would be adjusted to my previous payment ( The first person told me this was impossible ). Each time I've talked to someone I asked to be emailed a record of our conversation and they've refused. The chat service does not lead me to information so there is no written record. It is now XX/XX/XXXX. I just talked to someone and they told me it would be done by the end of the week but no clear date or manager to talk to or reason to believe this time would be different.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

I am writing to formally file a complaint regarding a significant inaccuracy on my credit report related to my XXXX XXXX XXXX account. 

I had a vehicle lease with XXXX XXXX XXXX, and every payment was made on time and never late. My credit report reflects this accurate payment history. However, my credit report now shows a charge-off for {$390.00}. This is a blatant inaccuracy, as I have never missed a payment with XXXX XXXX XXXX. 

Upon discovering this error, I promptly disputed it with both XXXX XXXX XXXX and Experian. Unfortunately, XXXX XXXX XXXX has not responded to my dispute. Moreover, Experian has updated my credit report to reflect the charge-off in the payment history, which is false and damaging to my credit profile. 

This erroneous reporting, which appears to be a clerical error, is unjustly harming my credit score and financial standing. I request that the CFPB intervene to ensure that this inaccuracy is corrected promptly. Specifically, I am seeking the removal of the charge-off notation and any related negative marks from my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I reported my card lost on XX/XX/XXXX on XX/XX/XXXX Citibank locked or froze me out of my account saying I needed to wait for a reference number by mail to get the account back to prove I was me. Said it would take XXXX business days after XXXX I called and told them I still havent gotten it they said just wait for it and hung up on me on XX/XX/XXXX I called again and requested for them to mail out another code because I never got the XXXXXXXX XXXX was told no and got hung up on again on XX/XX/XXXX I called again this time the guy said we will mail another one and expedite it it should arrive with in XXXX days called on XX/XX/XXXX bc still no letter was told to keep waiting on XX/XX/XXXX I called again and the guy said XXXX nothing that can be done until I got the letter i advised him that it has been a month and still no letter that they had over XXXX dollars of mine and that I had no money and no way of paying my bills was told sorry you will have to figure it out theres nothing I can do! On XX/XX/XXXX I called yet again and was told they again there was no way to unlock the account without the letter i requested they close my account and mail me a check with fed ex same as they do the cards they ship for the XXXX in my account was told that was not going to happen and hung up on me AGAIN! Each time I called I asked if I could drive the hours to a branch location and show my ID and get the account unlocked I mean seeing me in person is better then any code on a piece of paper. Was told no that wasnt possible to do! On XX/XX/XXXX I advised the agent I was going to get an attorney and go to the news! This is crazy! Was told that wouldnt work attorneys cant get my account unlocked only the reference code can! And then proceeded to laugh and say besides you cant get an attorney without your money and HUNG UP ON ME AGAIN! Citibank employees are extremely rude in the fraud department!
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a store only Kohls credit card which can only be used for Kohls purchases for many years. XX/XX/year> I received a notice that Kohls was joining with Capital One and that my card would be rolled into a general CapitalOne Credit Card that had high interest rates and could be used anywhere, which I did not want. I called to cancel my account and to not be given a new credit account with Capital One. 

The letter says " You have the right to reject the changes ... by calling XXXX by XXXX XXXX. '' I called the number and closed out my account on XX/XX/year>. 

Yesterday, XX/XX/year>, I received a Credit Card in my name from Capital One saying it was my new Kohls Capital One card ( which I do not want and have never asked for ). I tried to call Capital One, but their online CC number routes me to Kohls, and the Kohls line routes me back to Capital One in a loop so I can not close out the card. 

As I called and closed out my account but Kohls still shared my information with Capital One and opened a new account in my name, I am upset and feel this is fraud. I need help closing out this new account and companies should not be able to do this, especially since I followed their instructions and cancelled my account 2 months before I needed to.
Consumer complaint received 2024-08-10
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

American Express has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, American Express failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. American Express states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. American Express 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXX and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - American Express added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), American Express accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the American Express collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to American Express. XXXX v XXXX highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by American Express is declined and not accepted.
Consumer complaint received 2015-11-12
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (NC)

In XXXX 2015 and XXXX 2015, I attempted to refinance my loan through the HARP program with my existing lender Nationstar ( under their Green Light XXXX ). When I called, I specifically stated that I was just coming out of a bankruptcy and wanted to know if that would hinder my chances. I 've had my loan for 8 years and never paid late. I was told no. I also asked if the LTV on my home would stop me from qualifying for a HARP refinance. Again, I was told no. My problem is the way my application was handled. Initially, it seemed like my refinance was going to happen. The closing coordinator said everything was going smoothly, and all I needed was employment verification. My impression was that after this was submitted, my loan would not be long in funding, but then I was told that their underwriting did not like me as a prospect. After that, I kept getting told different things. First I was told by the representative that the system did n't like my loan, and the people working my loan could n't get the system to accept it. Then it was that the underwriting department did n't like me as a loan prospect because of the bankruptcy even though I was told my credit and income were not the issue. Part of the problem was that my loan with Nationstar had n't been reaffirmed after bankruptcy and that I should try to find out if I could get it reaffirmed. I called Nationstar and was told there was no need to reaffirm my loan and that it was being reported to the bureaus. After I told XXXX XXXX that, he said it was a problem with the system and to try back XXXX XXXX. I called back XXXX XXXX and my application was flat out denied. Again, because their underwriting department had problems with my bankruptcy. What does n't make sense is that the reason for denial on their letter was " value or type of collateral is not sufficient, '' even though Nationstar 's website states that they have no underwater limits on HARP refinances. I need someone to get a truthful answer as to why I was denied when I seemed to meet the requirements initially. I still have a lot of my documentation and e-mails that I can provide. Thank you.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I am filing a new complaint after speaking to the CFPB by phone, and the Agent XXXX that I talked to said I had not done the report correctly, so this is a correction. ** I use Chime Bank and they always give me my Social Security deposit on the XXXX or XXXX, and even before. However, suddenly, for NO reason, they did not provide this deposit. 

I spoke with Social Security. They confirmed my account was fine and there was NO problem. They also told me that the bank is giving me the money early as their choice, and that is Independent XXXX Social Security. 

That may be, but Chime provided me with this deposit early all the time. It was consistent and I counted on it. 

Also Social security while better than nothing is too little to live on, so by the time I get it, I am hurting for money badly. 

Their delay of this money is causing me many serious problems, including for job interviews. 

I simply think Chime should not randomly change it's policies out of the blue it is harmful to those that depend upon it Also, if Chime does not wish to provide an early deposit all if a sudden, then I should be informed so I know what to expect. 

The weird thing is, I was not having trouble with Chime before this. I was a satisfied customer before this. 

However, I did have to report them to you last year for a shady practice as well I saw online that Chime has even been fined for their shady, less than honest practices The money they are causing the problem with is XXXX Treasury funds. I have tried asking them for an explanation, but I know what they are telling me is not true. 

I know it's not true, because Social Security told me this is Chime 's practices and not theirs. 

Essentially Chime lies to me. Also if they do finally provide the money, will they handle it honestly? ( Good question ). I will try to get another bank but with money pending, right now I can not. 

I've had a lot of age discrimination on jobs and with hiring, so this money is currently ALL I HAVE.