davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (FL)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 2023-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

I opened a Citibank credit card with my husband ( XXXX XXXX ) on XXXX. 
I was then offered a bonus of {$450.00} for depositing {$50000.00} in a Citibank Savings account ( and maintaining that minimum balance for 60 days ). 
I opened a savings account to take advantage of that offer. 
An email from Citibank confirmed that the account was opened on XXXX. This was an individual account in my Name ( XXXX XXXX ) as Citibank did not offer the option to open a joint account. 
I proceeded to link the Citibank savings account with my XXXX account ( which is joint with my husband, XXXX XXXX ). 
Micro deposits between the two accounts were successfully made by XXXX. 
On XXXX I transferred {$50000.00} from my joint XXXX account to my individual Citibank savings account. 
I logged into the Citibank account at least twice to confirm my transfer went through. 
On XXXX I was not able to log into the savings account. 
After many conversations with several Citibank representatives, I was told by XXXX that my account had been " marked for closure '' by Citibank 's fraud department. 
I was told that I would receive a letter explaining what happened in the next couple of weeks. 
XXXX confirmed that the only activities on the account were the microdeposits and the {$50000.00} deposit from XXXX. 

The letter ( dated XXXX ) stated that Citibank was terminating our banking relationship, yet did not state when my {$50000.00} would be returned. 
I called Citibank on XXXX and spoke with XXXX who again confirmed that my account held {$50000.00}. He stated that the problem was that the deposit was made using a " third party check ''. XXXX told me that my funds would be returned either to me or to the originating financial institution ( XXXX ) within 30-60 days. 
I waited well beyond that 60 day window but the funds were never returned. 
On XXXX I called Citibank and spoke with XXXX who told me that XXXX would need to file a claim with Citibank. 
Citibank also confirmed that they still had the {$50000.00} in a later phone call with XXXX. 

I then spoke to XXXX at XXXX ( XXXX ) who said that XXXX would recall the EFT and gave me a dedicated associate to handle the matter. 
XXXX also informed me that the EFT from XXXX to Citibank was actually not done in my name ( XXXX XXXX ), but instead done in my husband 's name, XXXX XXXX ( who was joint on the XXXX account ). 
On XXXX ( 30 days after the EFT recall ), XXXX from XXXX informed me that Citibank failed to respond and also failed to return the funds. 
At this point, my Citibank is still in possession of my {$50000.00}.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/year> I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with XXXX, XXXX and Experian.
Consumer complaint received 2023-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX XX/XX/2022 I noticed XXXX XXXX XXXX  was on my credit report and I never applied for a loan wit this company. So I filed an identity theft report and dispute it with all three credit bureau to which all three companies concluded identity theft did occur and deleted the item. On XX/XX/XXXX of this year I was checking my credit report and noticed XXXX XXXX back on my report to which I was not given notice. This is a violation of my rights. Not only did maintain a reasonable procedure to prevent this reappearance which is a violation of 15 usc 1681i ( c ) Equifax also violating my rights under 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) they reinserted a previously deleted item without notifying me in 5 days.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

I canceled a payment. They reversed it, but still submitted it to my bank. And charged me a {$30.00} fee for it not being there! What is the point in offering the option to cancel a payment if they're still going to draft your account?
Consumer complaint received 2024-04-30
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-30
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-30
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. (IN)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$5200.00} US DEPT ED XXXX Balance {$7700.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$2500.00}
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I disputed incorrect negative items on my credit report with Transition, XXXX, and Experian. The items came back verified by all 3 credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (NY)

Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Also, 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
Consumer complaint received 2019-02-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (MD)

this complaint is abount pnc is reportin the wrong information. 
the type of problem is tring to communicate with the wrong amount of monery- I owe them.when I complain to the company, they give me the around. 
I have talked to XXXX at XXXX.talked to XXXX at XXXX. 
I have sended them information.i also talked to XXXX.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC (FL)

I have a mortgage with hometown lenders the loan originated in XX/XX/2023. I have made payments to Hometown Lenders since XX/XX/2023, I am unable to log in to make a payment and the phone number on their website is disconnected. I found out through a formal employee that Hometown Lenders went out of business on XX/XX/2023. We did not receive any notification of them going out of business. We are unable to find our mortgage on XXXX and it does appear on our credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. XXXX, XXXX XXXX XXXX, XXXX XXXX NA, XXXX delete them from my report immediately
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

In early XXXX, I noticed my mortgage account had a XXXX balance in my escrow account, my yearly taxes is XXXX and my insurance is around XXXX. Therefore, the XXXX balance does not make any sense. I called Lakeview loan care service, the rep asked me to submit a tax statement from the county website. Which I did same day. Last Wednesday ( XX/XX/2023 ) the escrow balance grew to almost {$11000.00}, I called them again since it was already over a month to update the status, the rep confirmed they received the document I provided. They are still processing the request, she did escalate it so it would be done in a week which is the XXXX. Today XX/XX/2023 we called them again and the rep said they need to do another analysis and said it should take another week. With deposit rates at 4-5 % APY, I feel I am losing a lot of money putting this XXXX in their escrow account not making a XXXX. In the past, when I had a mortgage with a larger financial institution, I requested a similar escrow distribution and they processed it same day. I believe XXXX servicing should refund the balance immediately and compensate me for two months interest I lost at a 4 % APY.
Consumer complaint received 2024-04-30
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)

According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS 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
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

Citi Bank removed me from the joint ( me and my husband ) account on XX/XX/year>. According to them, they removed me because they discovered my association with a cannabis-related business. I sent them a letter on XX/XX/year>, telling I did not, do not, will not have any association with any cannabis-related business and requesting them to correct the mistake and to reinstate my account. However, they refused to correct their mistake, saying " our position remains unchanged. As stated in the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we XXXX close or suspend your account for any reason, or for no reason. We XXXX do this at any time, without notifying you, as allowed by law. '' It's not right because I did not, do not have any association with any cannabis-related business at all. There XXXX be hundreds of people who have the same name in XXXX. I know they made a mistake but refused to correct it.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-30
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)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$7900.00} XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.