davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-20
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)

Hi, I chatted with XXXX about how to send info for a dispute I opened. I purchased a product ( a wig ) from the seller below, XXXX XXXX XXXX on XX/XX/2020 XXXX FYI - correspondence between the seller and I go back to XX/XX/2020 to inquire about the product ). I was told to place a 50 % deposit and that the remaining will be due when the product is complete and I will be provided shipping and tracking. The deposit was not specified as non refundable at the time of inquiry or even afterwards when I reached out multiple times and got the runaround. I was also told that I would receive status updates on the product, which hasnt been fulfilled. Ive had to reach out for communication with the seller, which is something I shouldnt have to do. 

I was told that the time to take to complete the product would be 2-3 weeks from when I placed the order, which would place the completion date on XX/XX/2020. When I reached out on the 3rd week, I was told an item that is required to complete the product just arrived and that my product would be ready for delivery the next week XXXX XX/XX/2020 ). I reached out on the 4th week inquiring about the status and she said it wasnt ready, providing another excuse. She said it would be ready with shipment and tracking information available on the following Tuesday ( today, XX/XX/XXXX ). It is now Tuesday, XX/XX/XXXX, one week from our last communication, and I have not received an update on the status of the product, as she said she would provide ( she lied ) ; she has not reached out to ask about the shipping address. From the images youll see the full price and how much I paid as a refundable deposit that I need returned. 

I placed a $ XXXX+fees, making the total {$330.00}, via XXXX. The deposit I paid was not specified as non refundable via text/phone or anywhere on her business pages. I decided to open a dispute to have the money returned. I have not received the item and it hasnt been shipped, as she doesnt even have the info to ship it. 

The communication from the first time I inquired about the product, until now, is below. Her business website is not functional. She does have an active social media presence and her XXXX business page is active. 

Im just wanting a refund, since the product has not been shipped as its not even complete. I will not be at my location to receive the product, even if she were to obtain my address and mail it. At this point were going into week 7-8 from the time I placed the order and week 4-5 from after the initial timeline she provided of 2-4 weeks. 

On XX/XX/2020, Citibank ruled in favor of the merchant, which is absurd, considering that I have the invoice from the merchant, already paid {$330.00} deposit to the merchant, and I havent even received the product.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023, I sent over several letters to Experian disputing inaccurate information that I discovered to be on my credit report costing me {$90.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements.

I also ask that they send their written response to my home 's mailing address. As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30 day period. '' Experian failed to follow this law.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.
Consumer complaint received 2024-10-16
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS STELLANTIS Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Theres inaccurate information in the bankruptcy files by Lexis , Nexis and XXXX XXXX both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.
Consumer complaint received 2022-12-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Rollover Year XXXX Accounts Certified Involvement Personal Edd Un-Received Earnings To claims/ & Extension Date Time Filings.

By way of reviewing and closures through times of pandemic Access - Covid Health admin. mandates.

Authentication Process Failure/cooperation assessment Bank of America-Authorized providers Internal Account Closure/Banking Card issuance Point Loma Branch Institute Disclosures Laws abiding governed world wide Conclusive Accordances infringement Actions Interests bonded & Binded In regards bankings legal measures of / monitorys affairs behavioral acts addendum rights. Disregarded evaluations of Highest Royalties personal demands involving contingency by way of abandonment! 
XXXX SEATED XXXX. Reserved XXXX. Documented Literature Prints underwriters too B Of A
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TN)

Jefferson Capital Systems Llcat XXXX XXXX XXXX XXXX XXXX XXXX MN,XXXX has been calling & sending me collection in the amount of {$1500.00}. The collection is reported as pasted due balance. I dont know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-08-14
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. (PA)

XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account XXXX : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
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 an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 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. 
XXXX, TransUnion, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with XXXX, XXXX, and TransUnion in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by XXXX does not match the information being reported by TransUnion and XXXX. No late payments are listed by XXXX or TransUnion. XXXX shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

This complaint is in response to an additional issue with our mortgage servicer NewRez dba Shellpoint as we just received an additional document this week on XX/XX/XXXX. 

On XX/XX/XXXX, we received a mortgage statement from NewRez DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX, XXXXwith a Payment due amount of {$810.00}. This statement was inconsistent with Official Form 410S1 filed on XX/XX/XXXX with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by XXXX XXXX XXXX of XXXX XXXX XXXX on behalf of NewRez. Official Form 410S1 stated that beginning XX/XX/XXXX our mortgage payment would be {$940.00}. 

We had previously received a Mortgage Statement DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX which stated our payment amount was {$920.00}. 

We were issued two statements with a XX/XX/XXXX, XXXX due date, with two different Escrow payment due amounts. 

Furthermore, on XX/XX/XXXX we received a letter due to our previous CFPB complaint from XXXX XXXX of the NewRez Compliance Department. Please see this letter that was sent to us through the CFPB portal and attached in this current complaint. 

XXXX XXXX letter was inconsistent with Official 410S1 filed with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by NewRez and the Mortgage Statement we received dated XX/XX/XXXX. 

We demand these complaints below to be answered in their entirety. 

1. Why did we receive two Mortgage Statements with a Payment due date of XX/XX/XXXX and why did the statements show two different escrow amounts. 

2. As Official Form 410S1 was filed by NewRez with the bankruptcy court and which stated our new mortgage payment would be {$940.00} beginning XX/XX/XXXX, why did Ms. XXXX state in her attached CFPB complaint response, state that our payment due for the XX/XX/XXXX installment in the amount of {$830.00} less the {$25.00} in unapplied funds from the return payment fee being waived? 

3. As Official Form 410S1 states that our payment beginning XX/XX/XXXX, XXXX would be $ XXXX how did did Ms. XXXX XXXX the new payment amount of {$830.00} beginning XX/XX/XXXX and why does this directly contradict Official Form 410S1. 


4. Why is the ESCROW DUE AMOUNT on our Mortgage statement dated XX/XX/XXXX, XXXX show an ESCROW PAYMENT DUE OF {$240.00} 33 however Official Form 410S1 filed one month prior states the ESCROW PAYMENT DUE is {$350.00}.
Consumer complaint received 2022-10-24
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (TX)

FCRA violations remove it not mine : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (MD)

Experian has been reporting a auto loan balance of {$10000.00} and showing it as active account. I filed bankruptcy and it was XXXX XX/XX/XXXX which charged off that balance. XXXX XXXX XXXX are reporting {$0.00} balance but not Experian. I made the 1st dispute XX/XX/XXXX and they took the balance to {$10000.00} but did not charge off the entire balance or do i think they even researched. The 2nd dispute was filed XX/XX/XXXX and they declined and reported a missed payment for XX/XX/XXXX and this dropped my credit score over 40 points. I don't have money for lawyers so I need help with solving this inaccurate report. This is affecting my life financially.