davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I have had a Best Buy card for about three to four years now. I have never had an issue with any of my credit cards before, ever. I barely use this card and I just happened to use it this year for a large purchase. I also happen to be buying my first home this year as well.
In  XXXX  there was a payment of {$45.00} due for my Best Buy card, which I paid, but in  XXXX  I received a 30 day late on my credit report. I was told it was because the actual payment was {$10.00} off and that 's why it 's late. I explained that the online payment said {$45.00} so that 's what I paid. I always go by the minimum amount or I pay more. I never pay less, I always go by what 's required. Why would I pay {$45.00} and not {$55.00}, that just does n't make any sense. Especially when my credit is immaculate and I 'm in the process of buying a home?
The fact that it was reported to the credit agencies to begin with for {$10.00} is beyond me but everyone has a job to do right?
I was also never notified or mailed about anything wrong with my payment. Based on this discrepancy I wanted this to be removed because it could 've been a glitch or error on Best Buy 's website and an error on Best Buy for not reaching out to me for something as important as this? No phone calls, voicemails or mailings? Even if it was a mistake on my part, which it was n't, we all have lives, we have kids, dogs, homes, responsibilities, other bills, these things happen. I was even willing to go on autopay so something like this does n't occur again in the future.
I take this very seriously and I understand creditors want their money. But just like they 're taking my money they can also understand that these things can happen. I 've been a loyal customer and I did not feel like I was treated reasonably by the reps I spoke to over the phone or via chat which is why I 'm escalating the matter. In the end a late reporting only affects one person, the company is still receiving their money and their employees are still getting paid.
Consumer complaint received 2024-09-28
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-14
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)

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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and   XXXX   shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (NC)

Exeter Finance & COAF came on my   XXXX    XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated   XXXX   (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
Consumer complaint received 2024-09-29
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. (FL)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX XXXX account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (IN)

I have multiple loans, both private and federal, and I have  XXXX  agreement with  XXXX   XXXX   XXXX  of  XXXX  dollars monthly, this is not the orignal loan provider they bought the debt, I have been paying for 2 + years on time and I just recently found out that I am only paying  XXXX  dollars monthly to my principle balance and the rest goes to intrest. This is robbery!! I am an   XXXX   and if I was current with all of my loans I would not be able to feed my family,! I need help. I was also scammed by a student forgiveness program called  XXXX   XXXX  for thousands of dollars and I am in the process of trying to get that back. The college I attended has been shut down and is no longer in business. Please help.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (LA)

This company, which i hold no contract with nor have i received services from, have reported a collection account against my SSN in the amount of   XXXX  with  XXXX  ,  XXXX , and  XXXX  credit reporting agencies.I requested verification of the debt and account.However, the business failed to provide adequate proof considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fedloan Help (MD)

I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me
Consumer complaint received 2023-11-13
Product: Credit 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: Neon Newco Corporation (AZ)

From XXXX of XXXX until XXXX of XXXX there was a charge on my Netspend card for {$21.00} from XXXX fitness that I did not authorize. I was unaware of this charge because I didn't have any way to review the charges, I was without access to internet or electronic devices from XX/XX/XXXX until XX/XX/XXXX. XXXX my son was killed, around XXXX when I returned to work, was when I started going through my affairs and saw the charge. I contacted both EOS fitness, who advised there was nothing they could do, and to contact my bank. I reached out to Netspend and placed the charges in dispute. My dispute was denied due to not being able to recognize the charges ahead of time.
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

There have been various misbehaviors of XXXX XXXX XXXX XXXX by Citi. I tried to resolve the problems with Citi. I changed e-bill to paper statement, I wrote a letter to Citi on XX/XX/XXXX, and I stopped use of Citi card for over a year. However, problems happened again when I restarted use of Citi card again since XX/XX/XXXX. 
I received a statement for payment due on XX/XX/XXXX. Citi charged me {$30.00} late fee and {$6.00} interest for the previous month. My bank record shows my payment was on time. I called Citi on XX/XX/XXXX. I was told the late fee and interest were waived already before my call. I asked the representative of Citi : Why did Citi charge me first and then waived the charges? The representative had no any idea. 
I received a statement for payment due on XX/XX/XXXX. Citi charged me {$30.00} late fee and {$5.00} interest for the previous month. My bank record shows my payment was on time. This time, I do not want to call Citi again because I can not tolerate misbehaviors of Citi any more. I paid XXXX that I used the Citi card for purchases. I am filing this complaint with CFPB. 
The statements of Citi and my bank records are available upon request.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NV)

I moved out from my apartment in  XXXX  2017. They said I paid them everything that I owed, and that I did not had a  XXXX  balance. I am extremely credit conscious, I pay my credit card off every month, I check my credit scores regularly and I have never missed a payment. Therefore, it was extremely shocking and frustrating that this collection agency, National Credit Systems Inc., placed a collection against me, that showed up on my credit report in   XXXX   2017. I was never contacted by either the apartment company nor the collection agency to be informed that they still thought I owe them money. They never called ( or if they did they did not leave a single message ) nor did they send me anything in writing. I would have dealt with this before it went to collections if they had.
As soon as I became aware of the debt,  XXXX / XXXX /2017, I contacted the apartment company,   XXXX    at  XXXX  in Maryland, to confirm that I did not owe them anything, which they confirmed. Please see the attached move-out statement showing a  XXXX  balance. Then I contacted National Credit System Inc to find out what I can do to get this taken care of. The manager at the apartment company said she sent the  XXXX  balance sheet to her point of contact at the collection agency, but never heard back from them. Meanwhile, the representative that I have spoken with daily at the collection agency says they have not received anything from the apartment company. Both companies informed me that they are waiting for the other to reach out to them, yet neither company has done so.
I also disputed this collection with the   XXXX    credit bureaus, but I am afraid if these two companies can not communicate, the collection agency will continue to show that I have an unpaid debt.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NM)

I have written numerous Qualified Written requests to Specialized Loan Servicing LLC asking for specific items in order to determine who owns my loan, if there are any errors on my loan by reviewing them, legal documents pertaining to the chain-of-title, i.e. the Assignments and Substitution of Trustee Notices and who owns/has possession of my Note and Deed of Trust, along with other important information within my legal right to ask and receive.SLS then stated that they are not " required '' to provide life-to-loan transfers in relation to my Deed of Trust!
On   XXXX   XXXX  , 2017 SLS 's response to my Qualified Written Request/letters was that I have asked them too many times and they refuse to answer and therefore, they consider the matter resolved! They stated instead that they have a right to collect fees per the terms of the Promissory Note but do n't have to list them or give me a break down. ( only charge me for them! ) As for the errors I am looking to discover once I receive the numbers from SLS, they stated that " they have reviewed my account and there are no errors, but that I had a right to request the documents relied on by SLS in reaching the determination communicated in their letter. '' This is precisely what I have been asking for and I agree that it is within my right to receive them, but they refuse!
The previous letter I received from SLS stated if I wanted this information I would have to sue them to get it ... .does n't sound like a legitimate business practice to me and therefore I will continue to ask until I can reach my own conclusions and report them as well for fraudulent and damaging behavior toward me and my business.
Transparency is all I am requesting in order to be able to review what SLS is alleging I owe, what I have been charged for and the legal documents to show who can collect and who is claiming I owe anything. Pretty straightforward questions for a company like SLS to be able to answer, since this is their job!
Consumer complaint received 2024-09-29
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. (GA)

XXXX. CFPB Complaint Against Equifax Filing Date : XXXX Dispute Filed Date : XX/XX/ Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/, I filed a dispute with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Equifax was unsatisfactory, vague, and did not address the specific questions I raised. 
Equifax Response : Equifax used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY XXXX  EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my recent credit report, I noticed several accounts that were opened fraudulently in my name. These unauthorized accounts are not only inaccurate but are also damaging my credit score, which is impacting my ability to secure financial products. I kindly request that you investigate this issue and promptly remove these fraudulent accounts from my report to restore the accuracy of my credit profile.
Consumer complaint received 2024-08-12
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. (DE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX 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 ).
Consumer complaint received 2024-09-28
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. (GA)

I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to my credit report.
Consumer complaint received 2024-09-28
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.