davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clark County Collection Service (AL)

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I am reaching out to file a complaint against Citibank regarding their handling of my fraud claims. Despite previously submitting evidence of unauthorized transactions and detailed police reports, Citibank has denied multiple claims associated with my account. 

Recently, I was contacted by Citibank, and they reaffirmed their decision to deny my fraud claims without conducting a thorough investigation. This is concerning, as I have been the victim of robbery and several data breaches since 2019, resulting in significant financial distress. 

Additionally, I have been in communication with a Citibank executive office worker named XXXX, who has been handling all of my CFPB complaints. When I requested to speak with her supervisor, she was dismissive and claimed she didn't have one, which I find troubling and unprofessional. 

The unauthorized XXXX transactions were made from my stolen phone to unknown individuals, and I have provided valid documentation verifying this situation. Below are the reference numbers for the claims I am requesting to be refilled, including those not listed due to a lack of case numbers : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I appreciate your assistance in addressing this matter and urge you to look into the inadequate investigation process conducted by Citibank, as well as the unprofessional behavior exhibited by their representative.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third 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
Consumer complaint received 2024-01-18
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-08-06
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. (CA)

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 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc. (VA)

The information disclosed on my consumer report is unverifiable and inaccurate. The law states that records must be removed from consumer reports if the information is unverifiable or inaccurate. I have not provided my physical signature allowing the disclosure of this information on my rental screening reports and the XXXX XXXX XXXX XXXX has confirmed that they do not release information to third party providers. Please see attached documents.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (NJ)

I don't know when I opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX, XXXX, Transunion Dear XXXX, XXXX, Transunion I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including.

The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, XXXX, TRANSUNION should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year> I received an email from XXXX that my Rooms-to-go account with Synchrony Bank had been closed . When I contacted Synchrony they said the account was closed because they have checked my credit and the credit usage for the account was too high. 
My original credit line was {$5000.00}. On XX/XX/year> my balance was {$1900.00}, and without communicating me, Sychrony Bank have decreased my credit line to {$2000.00} - causing my credit score to drop XXXX points and increasing my credit usage to 86 %. 
My complaints are as follows : 1- Synchrony Bank never informed me why they decreased my credit line considering I was making substantial payments.

2- Synchrony Bank never informed me that they were going to check my credit prior to deciding on closing the account.

3- Synchrony Bank never sent me a letter or left me a voicemail proposing a resolution prior to closing my account. 
As a result of their actions, my credit score has been highly impacted going from XXXX ( verified with XXXX on XX/XX/year> ) to XXXX ( today ). As a consumer, it's frustrating ( to say the least ) that an institution would offer you credit, only to play with it when it's convenient. I made my payments to Synchrony Bank on time, and paid more than the minimum. I had another account with them in the past, to which I paid off, and they never closed that. 
This action shows lack of transparency, and bad business practices.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Currently, I am in the process of purchasing a house, but I noticed several discrepancies on each of my credit reports. I have several inaccurate names, addresses, employment information, charge offs, closed & open accounts, and several student loan collections that do not belong to me. So, on Tuesday, XX/XX/2023, I mailed certified disputes to the credit bureaus demanding these errors to removed immediately. A few days later, I was informed by the USPS that each credit bureau has received my letters on Thursday, XX/XX/XXXX & on Friday, XX/XX/2023. Later, I received an email notification informing me about a few updates and that the student loan collection is still under reinvestigation, when I am not understanding why, because these collections were originally sold & transferred to XXXX XXXX XXXX, from XXXX. I did not receive a letter in the mail informing me of this transfer nor did I receive a 1099C form regarding this purchase or cancellation of debt. According to my XXXX account, on Thursday, XX/XX/2023, these collections were reported on my credit report as PAID, and as if I made recent payment transactions on these false accounts, when I have no knowledge of these payments. So, I asked for proof showing that I made these payments on these bogus accounts. I am still waiting to for theses errors to be removed. According to 15 U.S.C 1681, there should not be any damages listed on my credit reports. This is a defamation to my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KS)

On XX/XX/year> I paid for a hotel room at best western. My friend XXXX came there with me. Around XXXX am I fell asleep. I felt like ai couldn't keep my eyes open. I woke around XXXX am. He was gone. I tried to get in my phone but couldn't make it past the screen to enter in pin code. Like my pin number was changed.. later that day I finally factory reset it. All my apps and ails were gone. The next day at XXXX I try using my card it said insufficient funds. 
I got the app and seen that when I was sleep at the hotel {$1000.00} was sent from my account to a XXXX XXXX. In a payanyone transfer. paid to another chime member. I never in life have met a XXXX XXXX. 
I never heard anyone even mention her name before. I called chime, disputed it, filed a police report. Chime said no error occured. I don't know why chime didn't flag that transaction because it was a person not in my contacts, and I've never sent that much to somebody. The most I ever sent was XXXX to my husband years before. I don't know what this girl could have said I paid her for. Whatever her excuse was, if chime even contacted her was a lie.I tried refiling it again they said they'd look again, by they did the same thing
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MO)

This started XXXX XXXX, 2024, when a hacker made a hostile takeover of my account. I called in to Direct Express & cancelled that card, ordered a new one. This game of ground hog day went on for over almost two months, after a cardholder advocate named XXXX worked with me, we were able to fight this thief, and I got my funds back, this was in late XXXX. I received a card and everything was going well, no issues until XXXX XX/XX/XXXX, when checking my account I find again someone had ordered a card. XXXX called and left a message, I haven't heard back, I left several messages. I called into Direct Express, and spoke with someone in fraud, cancelled that card, and received a new one on XXXX XX/XX/2024. Received card and activated it worked for one day. I called in found out that someone had tried to access my account by setting it up on the mobile app. ( FYI, XXXX the advocated had told me to delete the app and not use it, and I deleted it and NEVER reinstalled it. ) I then was accused of not being me, ( I have sent them my ID twice ), then I was told to go social security and have them verify me, social security doesn't do that, and then I was told that Social Security had locked my account, on a lengthy call with Social Security I was told they don't do that. Supervisor at XXXX XXXX told me that I could not access my funds or balance that my money would be sent back to Social Security and it could take 6 months to get it, and I would need to go to a different institution, again they are telling me that it came from Social Security. My ONLY income is my social security, I need my money or access to it so I can withdraw from the bank and go to another institution, which is fine, but I need my funds in order to do so. They refused to tell me whether the thief had withdrawn funds, and I can't get any help at all, I am in limbo with this group of shysters. My utilities can be turned off etc. Please help me to regain control over my funds so I can leave them. There are NOTES all over the account about fraud, and in fact I had my ID verified with them twice, the front line reps don't read or pay attention to the notes, and that is how customers with them become fraud victims. Please help me. I don't know what else to do.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

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 XXXX Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RADIUS GLOBAL SOLUTIONS LLC. I am requesting debt validation. I am requesting the purchase agreement between RADIUS GLOBAL SOLUTIONS LLC and the original creditor XXXX XXXX ( Cable/Cellular ). I am requesting proof that RADIUS GLOBAL SOLUTIONS LLC Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RADIUS GLOBAL SOLUTIONS LLC communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX