davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I was notified that due to a recent credit report, Citi reduced my credit limit from {$3000.00} to {$1600.00}, with my current balance of {$1500.00}. This new limit is only {$47.00} over my current balance due. There was no legitimate reason to do this to me as I have never paid late and had often paid more than the minimum due. I called to request the limit be increased back to the original limit since the new limit is too close to my balance and I don't want to incur over the limit issues. 

They have refused to increase it to the original {$3000.00}, stating their decision is because of a late payment on my credit report- which was an error last XXXX involving a different card- and that company issuing me the card that received a late payment did not reduce my {$4000.00} credit limit. 

Citi 's refusal to reinstate my original credit limit will now bring me very much closer to the 100 % credit utilization - at 97 %- which will negatively affect my credit score - I previously was approximately XXXX  % utilization with this card. 

Their decision will also cause me to go over the credit limit of this card once finance charges occur, which would subject me to any negative results with Citibank- but will also result in other credit issues since credit utilization is a part of my credit score and if their actions force me to exceed 100 % of the limit, my score will decrease further. 

This is an unethical decision and it could also potentially result in employment concerns since my employment position requires a positive credit score.
Consumer complaint received 2024-04-17
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (AZ)

In XX/XX/XXXX I purchased a Gift Card from XXXX via PayPal XXXX. The gift Card details ( Redemption number, code etc ) were stored on their website for future use. Upon attempting to retrieve the Card details in XX/XX/XXXX, I have discovered that they no longer have stored this info and my gift card details are no longer available. According to them they sunsetted this gift card purchase program and no longer have this information. This is absolutely reckless and unacceptable behavior on the merchant 's part. I have lost value of gift card purchased with my hard earned money. At no point did company send out any warning of their selfish decision to get rid of this data so that customers may save their relevant info. This is materially fraudulent and company should be held liable to reimburse the value of the purchase.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-12
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-12
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 initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC (FL)

Credit Central XXXX calling me and family members on our home numbers, cell phones and on our jobs attempting to collect a debt that we do not owe nor do we have any information about the debt. This is predatory collection practices and it is harrassing. We have asked them to stop calling numerous times, but they continue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-03-12
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. (GA)

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. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants 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 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.

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into credit karma and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts.

Furthermore, 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. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

Best, XXXX XXXX.
Consumer complaint received 2024-06-12
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. (TX)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized or misleading items, linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX **** Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$620.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-12
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. (TX)

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this items on my credit report? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

As of today, XX/XX/year>, I received notification from Experian that the information contained in my credit report regarding XXXX XXXX is accurate following a credit reporting dispute. However, I have communication from XXXX to the contrary. No foreclosure action has been initiated on my account. Furthermore, my account was current up to XX/XX/year> per communication from XXXX in XX/XX/year>. I do not believe that Experian investigated my dispute. Experian continues to obstruct my right to dispute the information contained in my credit report. This is not the first occurrence. I have not received any evidence of a valid investigation. Furthermore, I no longer feel comfortable providing additional information to Experian for a reinvestigation in light of how my previous disputes have been handled with XXXX and other creditors listed in my credit file. This continued practice is in violation of the FCRA and does not promote accuracy, fairness, nor protect the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Your assistance, implementing proper enforcement and achieving a fair resolution are greatly appreciated.
Consumer complaint received 2024-03-07
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. (GA)

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants 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 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. 

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into XXXX XXXX and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts. 

Furthermore, 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. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

They have messed up my credit, how is it possible for my credit score to go from XXXX points to XXXX points and I have no outstanding debt. I have been targeted unfairly and unjustly. 

Please delete and remove all closed accounts, late payments and loan accounts, that are not valid from my credit report. 

Best, XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. XXXX XXXX XXXX XXXX  are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Consumer complaint received 2024-06-12
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-02-29
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. (GA)

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending 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 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. 

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.
Consumer complaint received 2024-06-12
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CT)

During an account migration conducted by Macy 's Retail Credit Card Services. I was unable to make my online payment for XXXX consecutive days. As a result, my pristine credit rating was impacted by what was recorded as a " late payment '' for the merchant 's inability to manage a service migration among its banking vendors. I notified Macy 's of the problem. I subsequently was read a " notice to collect a debt '' statement which never applies to me and never applies to my account with Macy 's. 
During the economic downturn, a sales associate at Macy 's opened an AmEx credit account under my name without me requesting it. This resulted in another line of credit which I did not authorize and never utilized.
Consumer complaint received 2024-06-12
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.