davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with The Fair Credit reporting act. The list of accounts below has violated my XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX REVENUE # XXXX Has violated my rights I look at my XXXX report XX/XX/year> and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the incomplete or can not be verified the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate. 

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (CA)

{$11000.00} total in Cashiers Checks Cashed and Stamped as received, yet Citi Bank has no record if it?! 

XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, XXXX, I paid off four credit cards with cashiers checks. Two of them were received and paid to XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) the other two were sent to Citi Bank ( Citi XXXX XXXX Citi XXXX XXXX. ) The two XXXX cards processed the checks with no problem. Citi bank however has cashed both checks as of XX/XX/XXXX but has no record of receiving them on their end and therefore have not posted them to my credit card balances. XXXX XXXX XXXX XXXX has the photographs of both cashiers checks dated XX/XX/2022 and stamped as received by Citi Bank on XX/XX/2022. I have called and called Citi Bank. I am immediately sent to an outsourced company where I struggle to communicate with each representative. As of yesterday, XX/XX/2022, a payment investigation was started on Citi banks end. We ( XXXX XXXX XXXX XXXX Representative and myself ) faxed photos of the cashiers checks to the Citi bank payment investigation dept. We were told the late fees on my account could be removed if the issue is resolved and that I should pay my minimum payments to keep my account current. The investigation could take up to 21 days!! One cashiers check was for {$6800.00} and the other for {$4600.00}, and as this was a balance transfer loan from XXXX XXXX XXXX XXXX, I am paying them for the loan. I should not also be paying for the missing checks that Citi Bank has stamped as received and paid but apparently has no record of! {$11000.00} is a lot of money to be missing yet clearly cashed and received but lost! Please help!!
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

There had been a restriction placed on the account previously with no explanation. I requested an explanation from customer support and received no help. I opened a complaint with CFPB. We finally received a letter from Wells Fargo and proceed to comply with the letter by taking a copy of the XXXX Income Tax return to a local Wells Fargo location. 

On XX/XX/XXXX, I found the account closed. I called customer service and received no help. The minimum payment or more has been paid monthly for 20 years ( since XXXX ). 

I want to know the reason for the closure and the criteria used to decide to close the account. This decision looks like age discrimination to me.
Consumer complaint received 2022-06-23
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : THE BUREAUS Account Number : XXXX bal. {$630.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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, ot
her 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 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Collection Violation of 15 USC 1692E ( 11 ) Dear EQUIFAX, I am writing to dispute a fraudulent collection that appears on my credit report, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( 15 USC 1692E ( 11 ) ). 
Fraudulent Collection Details : Collection Agency : XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX ( XXXX and Equifax ) Account Type : Collection ( XXXX : No account type listed; Experian/Equifax : XXXX ) I request that you investigate this account and remove it from my credit report, as it is unauthorized and negatively impacts my credit standing. I have not authorized this collection and believe it to be fraudulent. 
Attached are copies of my identification and any relevant documentation regarding this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-28
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. (FL)

Equifax and 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. 1681 Section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not incluide factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer.
Consumer complaint received 2022-06-28
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: ALLY FINANCIAL INC. (AZ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (GA)

XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/2024 Eastern Account Sytem I XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Information Under 15 U.S.C. 1681 Dear Eastern Account System I, I am writing to formally dispute the accuracy of the information furnished to you regarding my credit file. According to 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.I want to bring to your attention that I have never provided written consent for my information to be furnished to you or for you to obtain my information. This lack of consent raises serious concerns about the validity of the data reported and your compliance with the Fair Credit Reporting Act ( FCRA ) .Please consider this letter as my formal request for you to investigate this matter. I request that you provide me with documentation that confirms my consent for the reporting of my information. If you are unable to furnish such evidence, I ask that you promptly remove the disputed information from my credit report. I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-05-12
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. (FL)

When reviewing my credit report I discovered that Experian illegally re-inserted the XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1600.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. A screenshot is attached to this complaint.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (AZ)

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. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 Equifax 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 XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. 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 ( XXXX ), 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 XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX 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 company 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 XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

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 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

In XX/XX/2022, I applied for an ExxonMobil Smart+ credit card that promised XXXX XXXX  per gallon reduction for gas purchased at ExxonMobil stations. An additional XXXX XXXX  per gallon was promised for the first 60 days FROM THE ACCOUNT OPENING DATE. 

I started using the card on XX/XX/XXXX. Wanting to know when this XXXX XXXX  promotion would end, I called the Card 's Customer Service at XXXX to ask when it would expire. I was first told XX/XX/XXXX which I challenged. Then I was told XX/XX/XXXX. At that point, I asked for THE ACCOUNT OPENING DATE, which they ( XXXX  ) said that they could not give me. I asked for the supervisor only to be given the same denial. 

I tried contacting ExxonMobil, but kept getting routed back to the Card Servicer. THE ACCOUNT OPENING DATE is not detailed on the first statement that I received. All the advertising on the ExxonMobil pumps features this promotion which the consumer is unable to determine when their credit XXXX XXXX  per gallon would end.