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

In XX/XX/XXXX I received a letter from Citi Financial advising me that they were decreasing my credit limit from {$19000.00} to {$8000.00}. My balance at that time was {$7800.00}. I previously submitted a CFPB complaint and Citi advised nothing they could do. This hurt my credit usage and ultimately lowered my credit score drastically. I've never paid Citi outside of XXXX days. Because of this, I raised funds to pay the balance down to $ XXXX to offset the damage done to my credit score. 

Well, on XXXX XXXX I then received ANOTHER letter from Citi advising that they were lowering my credit limit from the {$8000.00} that they just lowered it to, to {$760.00}. Remember I just paid them a lump sum to get the balance to $ XXXX to help with the damage that their last credit limit decrease did! This time I reached out to Citi Financial ( as the letter requested I could do ) to ask that my limit be reinstated. Of course, that request was denied. 

In XX/XX/XXXX, through XXXX XXXX, I was approved for a travel card through Citi with a credit limit of {$9300.00}. I currently have a balance of {$3100.00}. I have just received another letter from Citi advising that they were lowering this credit limit from {$9300.00} to {$3100.00}. I was just approved for this credit line XXXX months ago. 

Because of this, my credit score is about to take another hit! This is UNACCEPTABLE and under the consumer protection laws like the Unfair, Deceptive, Abusive, Practices Act, this is ILLEGAL! 

As a consumer, I've done what I'm supposed to by never paying this account past XXXX days late. And when my credit limits were decreased, I made substantial payment to offset that, only to have Citi offset what I've done. I've been with Citi for over XXXX years! But this is unfair! It's deceptive and abusive to myself as the consumer! 

I will go to the Attorney General or the FTC if needed. I did my part to offset what was done. They considered me a risk so I paid them a large sum of money. Only for them to come back and decrease my limit again to offset what i've done. At this point it's combative and abusive! 

I've attached backup showing my credit report before their initial credit limit decreases. Also showing what the decrease did to my credit score. I also attached the pay history showing my large payment of {$7200.00} to offset the decrease done in XX/XX/XXXX. Also the letter I just received, decreasing XXXX XXXX account. I pay all my creditors on time and take that seriously! I'm a Financial Analyst/Accountant as a professional.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-22
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. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After years of paying cash and not using or apply for anything with my credit, I checked today to see where my score was to purchase my daughter a car and to my surprise my credit reports has tons of incorrect and fraud items. I have contacted all 3 credit bureaus to delete and remove the information.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (OR)

On XX/XX/XXXX ( sunday ) when downloading transactions to quicken discovered a XXXX withdrawal from our XXXX XXXX XXXX savings account to a bank called Truist that was unknown to us. Contacted XXXX the same day but was told to call back on Monday which we did and initiated a dispute ( case XXXX ) on the account and froze it. They said that they would get back to us in 10 days. Today ( XX/XX/XXXX ) we received mail form XXXX indicating that no error had occurred and our money was not going to be refunded. After calling for more information they gave us the basic information about the account number at the Truist bank and that the account had been setup in my my name on XX/XX/year>. We contacted Truist who reported the account was active and verified that my basic information was correct except for mailing address. I requested that they lock the account and they have initiated an identity theft report with a case number of XXXX.
Consumer complaint received 2023-05-07
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: CITIBANK, N.A. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : AMEX/XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (TN)

Going on approximately XXXX weeks now, calls from XXXX. Starting at XXXXXXXX XXXX and not stopping until between around XXXX XXXX to XXXXXXXX XXXX, calling anywhere from 4 to 7 times a day. This is a ridiculous amount of calls on a daily basis for anyone to be placing, but its completely uncalled for from any collection agency. I've asked them to stop, but that only makes things worse for a few days after and the calls increase between XXXX to XXXX times daily.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Concern, I am writing to formally request the immediate removal of a hard inquiry made by Capital One on XX/XX/year>, from my XXXX and XXXX credit reports. I did not authorize Capital One to perform this hard pull, and as such, it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S.C. 1681b, a hard inquiry can only be made with the explicit authorization of the consumer. Since I did not provide such authorization, this inquiry is unauthorized and must be removed promptly.

Please confirm in writing that the hard inquiry has been removed from both of my credit files.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (FL)

I am writing to file a formal complaint against SOURCE RECEIVABLES MANAGEMENT for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : SOURCE RECEIVABLES MANAGEMENT has failed to provide me with the required validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report without giving me the opportunity to review or dispute the debt.

2. Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair opportunity to dispute the account according to the guidelines set forth in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of notification and denial of my right to dispute the debt is a clear violation of my consumer rights.

3. Use of False, Misleading, and Deceptive Means : The collection agencies are violating my rights by using false, misleading, and deceptive means to collect a debt. This conduct is strictly prohibited under consumer protection laws and is causing undue stress and harm to my credit standing.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : The collection agencies have no legal authority to furnish information about this account to consumer reporting agencies without providing me with the necessary disclosures as required by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action against The collection agencies for their non-compliance with federal regulations. Additionally, I ask that this collection account be removed from my credit report immediately, as it was reported without due process and in violation of my rights.

Please keep me informed of any progress or actions taken regarding this complaint. I appreciate your prompt attention to this serious matter.

Thank you for your assistance.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (PA)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. You have failed to provide me with validation of this account with the following information : ( 1 ). Full accounting for this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have failed to provide me with sufficient proof as listed above, so you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

I set up autopay in XXXX, but the autopay failed to execute. This resulted in multiple erroneous charges. This is the timeline : XX/XX/XXXX : A statement was generated with a balance of {$3800.00}, due on XX/XX/XXXX. 
XX/XX/XXXX : Autopay failed to execute. 
XX/XX/XXXX : A late fee was charged. 
XX/XX/XXXX : I immediately made a payment manually. This brought down the statement balance to XXXX. 
XXXX : An interest was charged. 
XXXX : A statement was generated with a balance of {$3500.00}, due on XX/XX/XXXX. 
XX/XX/XXXX : A payment was paid in full. 
XXXX : An interest was charged again, despite the ontime payment in full.
Consumer complaint received 2024-08-22
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-01
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. (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 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 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

CONSUMER ID XXXX ; XXXX  XXXX XXXX XX/XX/year>, I DID NOT AUTHORIZE OR BENEFIT FROM THE INQUIRES LISTED. THESE ACCOUNTS ARE BEING REPORTED WITHOUT MY CONSENT, WHICH BREACHES Title 15 U.S. Code 1681b ( 2 ) ( a ). I DEMAND THEIR IMMEDIATE REMOVAL, AS THEY INFRINGE UPON MY CONSTITUTIONAL RIGHTS TO LIFE, LIBERTY, AND PURSUIT OF HAPPINESS. PROMPT ACTION IS REQUIRED TO RESOLVE THIS ISSUE.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

When I checked my credit report this morning, I was stunned to find inaccurate accounts listed, and I cant figure out why. I always monitor my report, but this time, out of nowhere, discrepancies appeared. I refreshed the page, hoping it was just a glitch, but the mistakes remained. This is why Im urging for a careful review of the documents Ive provided so that I never have to deal with this XXXX  again.
Consumer complaint received 2024-10-01
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. (MD)

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 : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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, 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.