davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (IN)

I have spoken to First National Bank of Omaha MULTIPLE times via phone and they have not fulfilled my request to send me the original credit card application, credit agreement, and credit card disclosures. I was initially told that I was an authorized user on my mom 's credit card, but FNBO states that I am actually a joint account holder. My mom tried to have me removed from her credit card and they denied her request. I have no information from FNBO which proves that I am a joint account holder and they continue to deny my request. I am entitled to receive the original credit card application, credit agreement, and credit card disclosures. FNBO refuses to send me these items and continues to reply to my requests by sending me a form letter which states that I have contacted them and for what reason. I believe FNBO is in violation of the truth in lending act by denying my right to the items requested. In addition, FNBO refuses to contact my attorney as she sent a letter of representation several weeks ago. FNBO is not functioning in a manner which reflects integrity or honesty.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NY)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

A sum of {$4100.00} was taken from my NFCU account between the end of XXXX and when I noticed it the beginning of XXXX. A company that goes by the name XXXX XXXX  started taking money from my account several times a day ; ranging from a few cents to {$100.00}. I didnt notice it until I was trying to buy something from the vending machine at my job & it declined. I then went to my mobile app & saw I didnt have any money. I immediately contacted NFCU, explained what had happened and they instantly cut my card off. I was told an investigation was underway and they would contact me with the results. A few weeks passed & no corespondents from them so I called them only to hear the investigation was completed and they had confirmation from the other company that the charges were in fact mine. I told them they werent & they said they would do another investigation. This was the middle of XXXX. I was called XXXX  XXXX XXXX and asked about suspicious activity on my account by another company thats when I asked about the investigation. They told me it was still pending and it would take 44-60 days. I let her know its been pending since XXXX. She then said just wait till they contact me.
Consumer complaint received 2024-07-02
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. (FL)

In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX  # XXXX Amount XXXX. 

Account name : XXXX XXXX XXXXXXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : 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 items 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, LEXIS NEXIS, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT XXXX XXXX XXXX XXXX XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have numerous letters regard the account being closed and never late based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Consumer complaint received 2024-06-27
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. (NC)

I am XXXX XXXX, and Im 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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generaL Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  andFederal Trade Commission. 

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXXXXXX, XXXX, GA XXXX Dear Equifax, I finally received a copy of my credit report today and discovered a few hard inquiry from your company. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. 

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 I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (CA)

I am filing a complaint regarding Citi Banks handling of my funds, which are being held up beyond the regulated timeline. On XX/XX/XXXX, I received a refund of {$150.00} for a purchase. The bank held this refund for longer than the governed regulation timeline allows. Additionally, they are now holding a deposit of {$61.00} tied to this refund. 

XXXX XXXX XXXX  has confirmed that they released the hold on the original transaction date, XX/XX/XXXX. It is now XX/XX/XXXX, and my transaction is still pending beyond the regulated time frame for pending authorizations to be released. 

When I call Citi Bank customer service to speak with the XXXX response team, I am told they are unable to transfer me. As recently as today, the representative suggested I speak with the fraud department, the same department that discriminated against me regarding a previous CFPB complaint and an XXXX complaint I filed. 

I request immediate assistance to resolve this matter and to release the pending funds according to regulatory guidelines. 

I have emails from XXXX XXXX stating the funds shouldnt have been held as theyve released and refunded the hold and transaction over XXXX days ago. My account is manually being handled by the fraud team, and caused a lot of trouble for me at the beginning of account opening. I am still being discriminated upon and mistreated while my funds are being held. 

As you can see the transaction for {$150.00} was initiated on XX/XX/XXXX and I did not receive this until XX/XX/XXXX after calling to inquire. I am now going through the exact same thing with my pending hold.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

Summary : First National Bank classified my second home as an investment property. They are now telling me, due to this erroneous classification, I need 35 % equity in the home in order to eliminate PMI, despite the fact that all the loan documentation I signed at closing indicates 20 % ( and it auto terminates at 22 % on XX/XX/XXXX ). 
At no time during the lending, closing, etc. process was there a discussion about 35 % equity to eliminate PMI. In fact, my original Loan Officer has confirmed she has never even heard of such a requirement. 
I have tried for a month to get this resolved and I can barely get anyone respond. 

Details : On XX/XX/XXXX, I reached out to my lender ( First National Bank ) indicating I wanted to cancel PMI and requesting information on what I needed to do to get the process started for proving I have > 20 % equity in the home. I am attaching an email ( Exhibit_A ) showing the the entire conversation with my original Loan Officer. 

On XX/XX/XXXX, I received a call back from XXXX ( mortgage servicing dept. ). 
He indicated I needed to have 35 % equity in the home since it was done as an investment property, versus the 20 % as indicated by my loan docs and my direct Loan Officer. I told him that's not what I agreed to and asked him to escalate the request. He said he would get back to me later that day. Since then, I have left a few voicemails and he has never returned a single call. 

I continued to try and work through my original Loan Officer to obtain a resolution. On XX/XX/XXXX, she indicated she received a response that I needed 35 % and that " they '' are sending me a letter. She said she has never heard of a 35 % requirement and neither has anyone else in her office ; therefore there's no way this was ever communicated to me. Again, the loan documentation I signed clearly states PMI can be canceled at 80 % ( and will auto terminate at 78 % ). To date, I have never received a letter. 

Finally, today ( XX/XX/XXXX ), as I type this complaint, I received a follow-up call from XXXX ( mortgage servicing dept. XXXX XXXX 's superior ). She is telling me I need 35 % equity to eliminate PMI and there's nothing she can do except escalate the issue to someone higher. 

Again, my loan documentation ( attached ) clearly states I need 20 %, not 35 %, to cancel PMI. The bank is refusing to make this right and take the necessary steps to correct the issue they caused. Given it's been almost a month without any resolution, I have very little confidence FNB will provide a satisfactory response. Satisfactory = tell me what steps I need to take to prove 20 % equity and then eliminate the PMI.
Consumer complaint received 2024-07-10
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 Account Number : XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report solely under the specified circumstances : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' However, neither the financial institution nor the consumer reporting agencies, including Equifax, XXXX, and XXXX, possess my consent to disclose this information, as I have not provided written authorization. If there were written authorization, I can only presume it was forged, raising concerns of identity theft. 

Moreover, 15 USC 6802 ( b ) ( c ) highlights that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nevertheless, Furnishers of information to credit agencies failed to inform me of my right to exercise my nondisclosure option. 

Account Name : XXXX XXXX Account Number : XXXX As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-07-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

Re : TD Bank XXXX. XXXX XXXX XXXX, MI XXXX Re : To remove inaccurate information on my credit report To Whom It May Concern : I obtain a copy of my credit report and found the following items to be an error. 
Here are the items listed as errors : The following inquiries needs to be removed Creditor Name : TD Bank Date : XX/XX/2018 Date :XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance reported on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX andn XXXX, XX/XX/XXXX report to XXXX, XXXX, XXXX without consent Violation of 15 U.S.C. 1681 Section 602 : This section of the FCRA emphasizes the importance of accuracy and fairness in credit reporting. The late payment entries on my credit report are inaccurate and do not reflect my true payment history.

Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section specifies the permissible purposes for which a consumer report may be furnished. The presence of these erroneous late payments on my credit report does not serve a permissible purpose and unjustly harms my creditworthiness.

Violation of 15 U.S.C. 1666b : This section relates to billing errors and the obligation of creditors to correct such errors. The late payments reported are erroneous, and the creditors have not fulfilled their obligation to correct these inaccuracies. 

In accordance with the Fair Credit Reporting Act, I am requesting that you investigate these matters and remove the inaccurate late payment entries from my credit report.