davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

I submitted a complaint to CFPB on XX/XX/ regarding the gross miscalculation of my escrow by Citizen 's Bank. The Complaint number is : XXXX. I spoke to XXXX XXXX XXXX  with the Office of the Chairman of Citizen 's Bank on XXXX XXXX XXXX  who contacted me to speak to me about the complaint. She was very receptive and advised that she would be investigating the matter regarding my escrow account. I also told her that I had not yet received the {$11000.00} in surplus escrow that was due to me because of the gross miscalculation and she advised that checks are usually mailed out within 10 business days. On XX/XX/, I received an email notifying me that the {$11000.00} has been applied to my XXXX XXXX XXXX  mortgage payment. I did not authorize this and no one at Citizen 's discussed applying this payment to my mortgage. Because of the gross miscalculation of Citizen 's Bank of the escrow calculation, I have suffered extreme emotional and financial distress. Now this distress is compounded by their application of the {$11000.00} owed to me and unlawfully withheld from me in addition to failing to pay interest on this money. I was anticipating using this money to pay other bills that I am behind on paying due to Citizen 's gross miscalculation of my escrow balance. When I contacted customer service to discuss the reason why the funds due to me were applied to my mortgage payment without my authorization, I was told they could not discuss this matter with me since I have a pending complaint. Their failure to disclose the reason these funds were applied to my mortgage without my authorization and their failure to disburse the funds that have been unlawfully withheld from me appears to be retaliation of me submitting the complaint to the CFPB on XXXX XXXX XXXX 

I submitted a complaint on XXXX XXXX XXXX whereby I described the aforementioned unlawful activity by Citizen 's Bank. The complaint number is XXXX A day after I submitted this complaint, I received an email notifying me that it had been closed because it was considered a " duplicate '' complaint. I was notified by a representative with CFPB that Citizen 's Bank closed complaint number is XXXX 

This is not a duplicate complaint. Instead, it is related to the XX/XX/XXXX complaint. My new complaint is failure to disburse the escrow monies to me. I also contend that this failure is in retaliation of me submitting the XX/XX/XXXX complaint. Citizen 's Bank 's closure of complaint number XXXX  is further evidence of their retaliation of me speaking out about their unlawful activity in failing to reimburse me for surplus escrow. If this complaint is also closed by Citizen 's Bank, this will be further evidence of their retaliation. I will not be silenced or intimidated by this Bank.
Consumer complaint received 2024-04-24
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. (LA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-24
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)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-24
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. (UT)

I notified this agency of my identity theft victimization on XX/XX/2024 via certified mail. Despite this, as of { XX/XX/2024, the agency continues to report information stemming from the identity theft incident. According to Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are obligated to inform furnishers of information, including financial institutions, when information may be attributed to identity theft and an identity theft report has been filed. I provided them with FTC report numbers XXXX, with the requested block. 
Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates furnishers to promptly block the reporting of any information identified by the consumer as originating from identity theft within four business days of receiving : Adequate proof of the consumer 's identity ; A copy of an identity theft report ; Identification of the specific information by the consumer ; and A statement confirming that the information is unrelated to any transaction by the consumer.

I complied with all these requirements, and the supporting documentation will be included with this complaint. However, the agency has failed to adhere to the FCRA 15 U.S. Code 1681c2, which requires the timely blocking of reported information identified by the consumer as resulting from identity theft within four business days of receipt by the agency. This failure constitutes a violation of the law, making the agency civilly liable for any actual damages incurred by me due to this willful noncompliance under 15 U.S. Code 1681n.
Consumer complaint received 2024-04-23
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. (FL)

I recently examined my personal consumer credit reports and identified questionable or inadequately verified data in the records maintained by your company. It seems that information which had previously been removed may have been added back to my credit profile without the requisite 5-day notice, thus violating the reporting regulations you are obligated to adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any information that has been removed should not be reintroduced into a consumer 's credit profile without directly informing the affected consumer in writing within five business days. However, I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in violation of the law! As per 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my explicit written consent. Moreover, 15 U.S.C. 1681c. ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no individual should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-04-24
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. (CA)

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (FL)

I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity thief and I explained to TransUnion that there was a problem with my credit report reflecting proper updates. I told them that I wanted to monitor my report closely, so that I would not experience any further fraud. So I added a fraud alert to my credit report and it still does not reflect. Either it was never done or as I previously complained about, my credit report is not reflecting proper updates.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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/XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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 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 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]