davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Opened a new Citi XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX based on promotional material offering XXXX air miles after making XXXX dollars in purchases within 3 months of opening account. I received this offer in the mail. 

I was instantly approved for the card but to my surprise was issued a credit limit of XXXX dollars. I thought this was very unusual since my XXXX credit score runs 820+ for the past several years and I automatically pay posted charges such that I do not carry any balances. I have a XXXX XXXX XXXX credit card which I was provided with a credit limit of XXXX dollars. 
I immediately started using my new Citi card with the goal of meeting the XXXX XXXX3months to qualify for the promotional air miles. Quickly noticed that despite making electronic bank payments through the billing cycle to ensure that I am able to continue purchasing and not exceed the ridiculous low credit limit, that my payments were posted as " pending '' and my available credit did not change despite paying and not having a balance. This pending period ran 7-10 days. I contacted customer service requesting increasing my credit limit and was declined because my account was " too new ''. They blamed the excessively long " pending '' period on bank processing. After multiple direct bank payments, I contacted customer service and was again declined increase in credit limit and told that it normally takes four payments and thereafter should not have this problem with my available credit being updated to reflect payment. On a third call, was informed that that my bank payments had gone through, and they could not explain why my available credit took so long to update. During this time I received a copy of my XXXX score report and noticed that my credit score which was XXXX  in XXXX had dropped to XXXX  in XXXX. The reason listed was that my credit utilization/available credit ratio was high. During this entire time, I have not made any large purchases, new loans etc. I strongly believe that CitiBank engages in abusive and predatory practices, are the source of my declined credit score.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to Equifax and XXXX incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? Equifax is showing " NR '' as not reporting but is mimicking the information incorrectly reported to XXXX. Also, Equifax is showing updated on XX/XX/XXXX but XXXX is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.
Consumer complaint received 2023-04-01
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. (NY)

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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to XXXX and Transunion incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? XXXX is showing " NR '' as not reporting but is mimicking the information incorrectly reported to Transunion. Also, XXXX is showing updated on XX/XX/XXXX but Transunion is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (NY)

I contacted my mortgage company about late payments that I considered not late. 
I have XXXX in XXXX, XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX all of these dates are 15 days late from the first of the month, and one or more days after the grace period which is after the 15th of the month. I am charged a grace period fee and a 30-day late payment penalty. Then I question them how can this be when it is only 15 days late. I was told that they were correct because the state law allows them to penalize the borrower for the full 30 days after the grace period. 

My question is to you all is this fair to when it stated on my credit report, this is a 30 days lateness, not 15 days. I am being cheated out of 15 days, the law is wrong. 
Who has ever known this law existed to favor the lawn company? 
Show this be changed to fit both the borrower and the lender?
Consumer complaint received 2023-04-06
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: JPMORGAN CHASE & CO. (IL)

15 USC 1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.
Consumer complaint received 2024-10-25
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. (TX)

I am writing to inform you that I have been the victim of identity theft resulting from a data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$8000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my XXXX XXXX to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Consumer complaint received 2023-04-05
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)

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXXXXXX 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 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 record of conviction 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 2022-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, The List of inquiry 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 XXXXXXXX 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
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, Credit XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraud XXXX XX/XX/XXXX XXXX  FINANCIAL FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX BANK NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY XX/XX/XXXX Bank of XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX XXXX  FIN/FRAUD INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XXXX XXXX XXXX XXXX  FIN/ FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bank of XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX  XXXX/ FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX  CCARD/ FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX  BK/ FRAUD INQUIRY : XX/XX/XXXX XXXX FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXX XXXX/XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.