davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I opened up a Wayfair credit card in XXXX. I made {$370.00} in purchases. In XXXX, I made purchases of {$420.00}, and XXXX XXXX. Total amount of all purchases equal {$2500.00}. Between the months of XXXX XXXX I made {$1200.00} in payments. The amount owed on purchases before I returned an item should total {$1300.00}. I received a statement in which my CC shows I owe {$1400.00}. They show the credit of the returned item of {$380.00} however the math does not add up to what I show the balance to be. The account balance should be {$950.00} as of XX/XX/2023. I spent XXXX hours on the phone with customer service asking how its possible if total purchases {$2500.00} in purchases minus {$1200.00} in payments equals {$1400.00}. I was advised it was due to being billed after the billing cycle had ended. Math is math. I returned the item and Wayfair is not giving me credit for the total payments made to them to date.
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (NM)

REQUEST FOR XXXX  XXXX XXXX TO PRODUCE UNREDACTED FIRST XXXX XXXX  BILL, NOTE, STATEMENT, PAST DUE NOTICE FROM SERVICER AND CURRENT UNREDACTED XXXX  XXXX  XXXX XXXX XXXX  BILL, NOTE, STATEMET, PAST-DUE NOTICE FROM THE SERVICER, AKA " THE NOTE FROM XXXX XXXX XXXXXXXX XXXX XXXX 
THE XXXX XXXX XXXX XXXX  REQUESTS THIS INFOMRATION TO HELP THE CURRENT OWNER FOR THE LAST 15 YEARS WIHT FEDERAL COVID HELP TO KEEP HER HOME. XXXX XXXX  IS COLLECTING THE OLD DEBT BUT AGAINST FDCPA THEY ARE NOT PROVIDING THE NOTE O F XXXX TO VERIFY THE DISCHARGE OR ACTUAL PAID IN FULL OR OUTSTANDING OF THIS DEBT AND ARE COLLECTING FROM THE WRONG PARTY XXXX. Attachment and enforceability of security interest ; proceeds; supporting obligations; formal requisites. 
( a ) A security interest attaches to collateral when it becomes enforceable against the debtor with respect to the collateral, unless an agreement expressly postpones the time of attachment. 

( b ) Except as otherwise provided in Subsections ( c ) through ( i ) of this section, a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( XXXX ) the debtor has rights in the collateral or the power to transfer rights in the collateral to a secured party ; and ( 3 ) one of the following conditions is met : ( A ) the debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned ; ( B ) the collateral ( B ) the collateral is not a certificated security and is in the possession of the secured party under Section 55-9-313 NMSA 1978 pursuant to the debtor 's security agreement; ( C ) the collateral is a certificated security in registered form and the security certificate has been delivered to the secured party under Section 55-8-301 NMSA 1978 pursuant to the debtor 's security agreement; or ( D ) the collateral is deposit accounts, electronic chattel paper, investment property, letter-of-credit rights or electronic documents, and the secured party has control under Section 55-7-106, 55-9-104, 55-9-105, 55-9-106 or 55-9-107 NMSA 1978 pursuant to the debtor 's security agreement
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: EQUIFAX, INC. (OH)

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
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: EQUIFAX, INC. (OH)

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I processed a payment on XX/XX/XXXX with a total of XXXX on XX/XX/XXXX they sent a portal message noting " Action needed : Your payment was returned- please submit a new payment. '' I requested help from their portal regarding the issue. They responded on XX/XX/XXXX " Our records show that a payment in the amount of {$200.00} was applied to your account effective XX/XX/XXXX. The next scheduled payment in the amount of {$200.00} is due on XX/XX/XXXX. '' Despite this correspondence with no resolution, they sent a notice on " XX/XX/XXXX Action needed : Your account is 15 days past due! '' I made another payment of XXXX on XX/XX/XXXX. 

They reported on XX/XX/XXXX " Action needed : Your payment was returned- please submit a new payment '' Nelnet reports that my financial institution is the cause of this problem. However, I called my bank on XX/XX/XXXX at XXXX XXXX  and they noted that it is not their error. Despite this, Nelnet does not seem to be resolving the issue despite me asking for assistance. 

My concern is they will use their lack of resources ( e.g. staff, inadequate processing systems ) to charge me fees as it " looks like '' I am not paying. 

I am willing to pay my student loans but not willing to incur fees due to the problems of this company. This does not seem fair ; it seems very predatory. 

I am at my wits end.
Consumer complaint received 2022-01-04
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 — Investigation took more than 30 days
Company: Choice Recovery, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2023-05-29
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update ASAP.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XX/XX/1988 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-16
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. (GA)

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX XXXX WOULD LIKE FOR THE CAR TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/year> {$46000.00} INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of= a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. lt l has been 30 days and you are in VIOLATION of this law because lam a victim of identity theft! l Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

I have a business bank account with pnc financial, I have employees and received the erc credit by the irs, I was told its going to take 14 days to verify the funds- the hold was placed for 60 days they finally released the hold.. I checked this same acct after verification of how I got the erc credit and submitting documentation is back on hold ..I have not made any major purchases at this time I need the bank to send me my money via mail .. there saying they sending it back to the irs because its a fraud check.. are you guys serious?? All the blood and sweat I had to deal with and to be told that my account was going to be close because of what??? Customer service is horrible there is no one that can help me, Ive been inside the branch they just give me a back number when when you call it just says leave a message and no one calls you back, nobody knows nothing I feel discriminated against and targeted they keep messing with me and Im not doing anything wrong or illegal this is the most stressful experience ever!!!
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (FL)

I am writing to file a formal complaint against Citi for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Citi detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Citi rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer ri I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Citi is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that Citi fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 

Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Citi and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.
Consumer complaint received 2023-12-24
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. (NC)

I am writing to file a formal complaint against XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, XXXX is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. 

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

XXXX 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2023, my account with Goldman Sachs Marcus Bank, which held over {$300000.00} in savings and Certificate of Deposit ( CD ) accounts, was unexpectedly frozen. The bank cited an inability to verify my phone number, which I had recently updated in my online banking account, as the reason for the freeze. They informed me that the only way to unlock my account was to complete an affidavit form, which they promised to send to my address for notarization and return. 

Despite my repeated attempts to expedite the process due to the urgent need to transfer my funds to my XXXX XXXX  investment accounts, I have yet to receive the affidavit form. This situation has caused significant disruption to my financial planning and goals, and I am concerned about the bank 's handling of my account and funds. 

I had numerous attempts to contact them via their phone number provided in their email, the number always make me go through tedious call transfer processes for 30min-1 hour, and then transfer my call to their fraud department. The fraud department also repeat to claim that they sent the form and ask me to wait. There is no resolution and deadline. 

As of today, XX/XX/2023 I have not received an affidavit form that Goldman Sachs Marcus Bank claimed they sent on XX/XX/2023. 
I requested the proof of sending the affidavit, they refused. 
I requested any other method of proving my identify online or in person, they refused. 
It allows them to technically lock my account and freeze my saving and CD indefinitely by simply not sending an affidavit form or not admitting an receipt of affidavit form, or any other technicality on affidavit form, which I can not verify.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (DC)

Hard Inquries need to be removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX