davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 supposed to 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 2015-09-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.
Consumer complaint received 2024-09-14
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: T.S. Holdings (CA)

XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$6500.00} According to the law 15 US code 1692c, it states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Types of communication : Report to credit bureau Letters in the mail
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

My account had fraudulent charges, police reports have been submitted to chime as well as police report regarding the arrest of the person who did fraud on my account same out come they found no error this was a fraudulent charge all parties involved have been arrested for this theft and proof has been provided and chime still says no error
Consumer complaint received 2016-01-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

My husband and I purchased a bed at XXXX XXXX 3 years ago, with a 3 year interest free loan. We had set up automatic payments, and calculated this to pay off the loan before the three years expired. At some point the loan carried by GE Capital was switched to Synchrony Financial. Without our knowledge or approval during this time our login was changed and the amount per month lowered to {$35.00} the minimum. Last night we received an email that we owed approximately {$2300.00} in interest. This was our first email from Synchrony that showed we still owed money on this loan. In calling Synchrony they were adamant that our login had n't been changed and that the automatic payments hadnt been altered from GE Capital to Synchrony, yet in our case it had. In doing some research I feel as though this type of practice and unyielding, rude telephone customer service may be common within their company.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.
Consumer complaint received 2024-08-25
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. (CA)

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MI)

From : XXXX XXXX XXXX Credit Reports Account : # XXXX Company : XXXX XXXX Date Opened : XX/XX/XXXX Individual Account Loan Type : Line of Credit Pay Status : Sold was charged off Date closed : XX/XX/XXXX I have contacted XXXX XXXX on several occasions and spoke with a representative. I informed them that I was unaware that this debt had been transferred to a collection agency. I informed them that I had never received from them a letter in the mail notifying me, that this debt would be transferred to a collection agency. I requested that XXXX to send me a certified copy of the validation notice or the assignment of debt letter. I informed them that I was supposed to receive this letter within 5 days telling me that the debt was transferred to an outside collection agency. They responded that they could not provide me with such letter. They informed me that I should contact the agency that they sold the debt to. I then contacted that company ( Velocity Investments LLC. I asked them as well to provide the assignment of debt letter or validation letter that they were supposed to send me via mail. They also informed that they can not provide any such document.
Consumer complaint received 2024-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (MI)

Tried to speak with the company to get information on debt breakdown as well as paperwork used to issue garnishment. Representative stated they originally had old address on file that was not updated until XX/XX/year>. Post may received no correspondence from the company regarding debt, lawsuit or judgment just discussed potential payment arrangements. Company never sent any debt validation nor was i properly served papers in order to respond to lawsuit for recovery. 

Attempted to work with company and get information but rep said only thing that could be done is payment in full no documents or further explanation.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Student Assistance (FL)

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please provide me with a copy of any contract I signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) I request the following information. 

1. Proof that the original creditor securitized the debt.

2. Documentation showing that the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

This debt was charged off in XXXX and it then reappeared on my credit report in XXXX and XXXX. 

Please cease and desist from collecting on this debt until you have provided validation of debt. 
Additionally I request that you do not access my credit report or report anything to my credit bureaus. 

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-25
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. (MN)

I Reviewed my Consumer Reports and noticed that I had XXXX payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2024-11-14
Product: Credit 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. (TX)

Citi bank received a {$10000.00} payment from me ONLY because I received funds to repair my home after hurricane Beryl and I had lost my purse and this credit card was the ONLY virtual credit card number I had to use. I paid this in good faith with the intention of using 100 % of it immediately. This is why on a recorded call I asked a supervisor which way in making a payment would this be made available IMMEDIATELY. They said that paying by debit card it would be made available immediately. Well, this never took place because a payment in the amount of {$500.00} I had paid almost 3 weeks prior was still being held by CITI. I paid it on XX/XX/XXXX and they did not release this to my available balance until XX/XX/XXXX because of this error I was unable to use my entire {$10000.00} I had just paid. 

What happened 48 hours after my payment of {$10000.00} Citi took it upon themselves to reduce my credit limit by 50 % all based on this payment that sat in their system as I waited for them to make my {$500.00} available that should have been available 3 weeks prior. I was also in a disaster program and all was documented. I immediately asked for a refund of my {$10000.00} and they refused to refund until I contacted your department. I also requested my credit limit be restored because it should NEVER have been dropped as this was NOT a payment that was to be paid to be kept! I explained all of this over a recorded call and CITI has performed with complete deception and has not ruined my credit even further. Had they never made the mistake of keeping my {$500.00} and not releasing it none of this would have ever happened! I need this corrected in good faith immediately or I will need to file bankruptcy.
Consumer complaint received 2024-08-25
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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. 

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past XXXX months. 

Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I believe I was a part of a XXXX XXXX scam and a XXXX scam due to it being connected to Truist bank or XXXX. XXXX XXXX customer service is basically useless and now that a month or so has passed it feels like my funds are truly gone forever. Please help if you can. I understand that without a lawsuit, its probably not possible, but I believe I deserve.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (NE)

I received advertising letters in the mail from local law offices that I am being sued by Velocity Investments , LLC for a debt that I owe. I have never previously been contacted by this company and am not aware of what debt this is in regards to. I found out I am being sued via law office advertisements, no notice from the company or any type of communication. I tried contacting them by every phone number listed on their website and the closest option I came to being able to speak to someone was leaving a voicemail, which has not been returned.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (DE)

XXXX XXXX is reporting {$2800.00} for job not authorized. I no longer live at the house which was sold during XXXX. ( XXXX ), A saleswoman came to the house in XXXX to sell windows. XXXX advice her that I was moving and did not need it. She pursued me to fill an application out and went over packages. After weeks she told me someone will get a hold of me to go over products and pricing. 
I called XXXX XXXX and they advised that due to XXXX there will be a delay in getting materials. I told them to disregard as I was selling the house. I was sent a XXXX XXXX credit card which I destroyed. Next thing I know 3 years later they are billing me and put it on my report. This is erroneous!! 

Due to identity theft credit cards were taken out in my name without permission : Best Buy XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/year> I got hit with a late fee. The reason for this is because I never got the bill and it kept going to my spam folder. I had called XXXX about this matter and they said if I made the payment and paid the account off in full they would remove this late fee as good faith since i've NEVER been late. For some reason they did not remove the late fee on my credit report which is the current situation. I have tried to call them a few times about this manner and they seem to not know what there doing and giving me the run around.
Consumer complaint received 2024-08-25
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)

failure to correct my name and remove unauthorized credit inquiries from my credit report despite multiple requests. This issue has caused unnecessary harm to my credit report and financial well-being. 

Issue 1 : Incorrect Name Reporting My correct name however, Equifax has incorrectly reported my name on my credit file. I have submitted a request to correct this information along with the required documentation, including proof of identification and proof of address. Despite providing this information, Equifax has failed to update my name on my credit file.

Issue 2 : Unauthorized Credit Inquiries I have also identified unauthorized credit inquiries on my Equifax credit report from the following entities : XXXX XXXX, XXXX XXXXXXXX XXXX These inquiries were not authorized by me, and I have requested their removal from my credit report. I provided Equifax with an FTC Identity Theft Report ( XXXX ) as proof of the unauthorized activity. Despite this, Equifax has not taken action to remove the inquiries from my report. 

Supporting Documents I have submitted the following documents to Equifax to support my requests : Proof of Identification ( Category 1 document ) Proof of Address ( Category 2 document ) A copy of the FTC Identity Theft Report ( XXXX ) The letter received from Equifax regarding this matter A noticed document outlining variations, if applicable Conclusion I believe Equifaxs failure to correct my name and remove these unauthorized inquiries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). To ensure that Equifax promptly corrects my name and removes unauthorized inquiries from my credit report.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Control, LLC ()

By email, on XX/XX/year> I sent Credit Control a very detailed debt validation and cease and desist order. 

Today, they violated the cease and desist order by emailing me another collection email. 

As of today, they have not provided any information to me to validate the debt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I sent out Debt Validation Letters for all negative items being reported on my credit reports, with all 3 major bureaus, on Thursday, XX/XX/2024. The cause of this was all the information I received about data breaches containing my information, even though I have a right to check my consumer credit reports at any time. I do not recognize many of the companies listed on my credit reports ; I have not done business with them. After respectfully requesting the verification of all negative information, the request was ignored and/or overlooked. The 30 day response period expired on or about Sunday, XX/XX/ 2024.