davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. (FL)

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 : {$0.00} l XXXX  XXXX XXXX Balanced : {$140.00} la
Consumer complaint received 2024-08-08
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. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-04
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. (TX)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I am writing to file a formal complaint against Citibank regarding the urgent mishandling of my account, lack of communication, and the unjustified pending closure of my account. 

On XX/XX/year>, I attempted to purchase a necklace at the XXXX XXXX store in New York using my Citibank card. Despite having sufficient funds in my checking account, the transaction failed. Immediately afterward, my account was placed under review. I immediately contacted Citibank 's customer service to confirm that I started the transaction and was assured that the issue would be resolved. 

Over the past month, I have made numerous attempts to contact Citibank, reaching out at least 20 times to get clarity on the status of my account. Every time I reached out, I was told that someone would contact me within 24 to 48 hours, but to this day, I am still waiting for a meaningful response. My account has remained under review during this period, causing significant inconvenience. 

What escalates the situation further is that I recently received an email from Citibank stating that my account will be closed. Citibanks reasoning behind the closure appears to be linked to the initial transaction attempt at XXXX XXXX, which I confirmed with the bank was authorized by me. Despite repeated confirmations, the Fraud Department 's decision to categorize this as suspicious activity is unfounded and outrageous. To make matters worse, Citibank had previously assured me that the issue was resolved, only to now use it as grounds for account closure. 

I HAVE REPEATEDLY OFFERED TO PROVIDE SUPPORTING DOCUMENTS TO VALIDATE THE LEGITIMACY OF ALL TRANSACTIONS AND FUNDS IN MY ACCOUNT WITHIN THE FIRST MONTH OF OPENING IT. YET, CITIBANK HAS MADE NO EFFORT TO REACH ME FOR THESE DOCUMENTS. I am appalled by the bank 's decision to close my account, which holds over {$15000.00} of my funds, rendering me unable to access my money and causing severe financial hardship. 

Citibank 's inaction, failure to provide any substantive resolution, and now the closure of my account due to an issue I was told had been resolved leave me with no choice but to escalate this matter through CFPB. I want immediate assistance in resolving this matter and ensuring Citibank restores access to my funds.
Consumer complaint received 2024-07-01
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. (NC)

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVEFROM REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY.
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

For the past several months, I've been attempting to get the lender to stop charging me for Private Mortgage Insurance ( PMI ). Over the last three months, the three SLS representatives I talked to on the phone told me I met the 80 % threshold, and since I have always been current on my payments, that PMI was no longer required. Yet, I continue to be charged a monthly PMI. 

Original Purchase Price ( XX/XX/2015 ) : {$290000.00} Original Appraised Value ( XX/XX/2015 ) : {$300000.00} Current mortgage balance : {$220000.00} ( 77.9 % of purchase price ) Monthly PMI escrow : {$47.00} Current market price approximately {$390000.00}
Consumer complaint received 2024-06-30
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: EQUIFAX, INC. (MI)

I recently reviewed my credit report and discovered several inaccuracies affecting my creditworthiness. I am requesting the credit bureaus to investigate and rectify these errors promptly. The account details requiring verification are : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX, 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 60 days 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 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 XXXX
Consumer complaint received 2024-08-08
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. (GA)

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX. Experian, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

The Ed Financial website has a way to email them with questions about your account and payments. It seems like this would be a great way to communicate. Unfortunately there is an error message when you try to type anything in the comments section ( where the bulk of your text would go to convey what question or problem you are having ). Even if you type a very short message and hit submit, the website will take a long time to process and then show bad gateway error. Basically this is unusable.
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (WA)

My student loans were being managed through Nelnet Loan Servicing. I sign into my account and pay them every single month. On XX/XX/2024 and on XX/XX/2024 I received emails from Nelnet announcing their new brand ( Sloan servicing ) was coming soon and stated SOME of their loans would now be managed through by this new brand. The email was not specific to my accounts and both emails state nothing was needed on my part, as of yet. Those were the only two emails I received. On XX/XX/2024, I received a collector call stating my student loans were passed due. Not knowing if the t was a legit call or not, I said I would look into it. When speaking with Sloan servicing, they told me they had made several calls to me but did not leave a voicemail ( because it is an automated call ) and that they had also notified me via mail of the delinquent account. I do not answer calls from XXXX numbers and without a voicemail, I would not know who called. I never received anything via mail from them. And still had only received the two emails mentioned above stating no action was needed on my part. Sloan offered to put a deferment on my account, which they stated would bring my account current and no payment would be needed until XX/XX/2024. I accepted this. Then I noticed ( within days ) they had reported the delinquency ( XXXX separate student loans ) to be the credit bureaus, dropping my credit score XXXX points ( from almost XXXX down into the XXXX )! This feels very unfair because I pay all of my bills and would have paid this, had I known about it. I thought all my loans were through Nelnet still, and I pay them every month. I disputed this with Sloan and one report says, dispute resolved- reported by grantor and the other says, dispute resolved- consumer disagrees. Neither has helped my credit score recover. I feel their poor communication, non-specific information, and lack of voicemails caused this and now I am paying the price. I reached out to them and they say they will not remove the remarks. Please help me get this settled!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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. I told Equifax to reinvestigate these accounts : XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I transfered XXXX dollars on cash App to XXXX XXXX. The message from Cash App stated this amount was rejected and refunded to your bank account XXXX XXXX XXXX XXXX. I had a complete audit of my account conducted and the bank indicated the money was never refunded by Cash App. I have attempted to resolve this issue with Cash App for 5 days. Please assist
Consumer complaint received 2024-08-08
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. (TN)

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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc. (FL)

Applied for an auto loan and was declined because of a credit score from SageStream LLC with XXXX XXXX. Never heard of SageStream before this and their credit score is almost 200 points lower than XXXX. Who is this company that they can have such an influence in credit approval? The reasons for their decline aside from the credit score are ludicrous. Limited history for consumer at address and phone-have had this address for 5 years same phone number for 25 years, too few revolving accounts, too few bankcard accounts - have banked with same banks for 10 years and have their bank cards. This unknown company should not have the authority to make such credit determinations on anyone. Following research performed it appears that they are a scam consumer credit reporting company and banks using them for said determination appear to be scamming the consumer to inflate rates of interest and cash output. Research also shows that SageStream LLC is involved in numerous consumer lawsuits complaints like this and that complaints likewise have been issued against SageStream with XXXX XXXX XXXX  and FTC which I likewise will be doing myself.
Consumer complaint received 2024-06-19
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. (TN)

This account was paid off XXXX 2024. Since then Equifax, XXXX  and XXXX has updated the account as charged off for the month of XXXX 2024.

They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.