davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MA)

On XX/XX/21 I received correspondence from Citibank in regards to their privacy policy - however no one answers their phone when calling the number on the letter I will be attaching that you can actually speak with. 

Im re : to that privacy policy on the last three choices where it says can you limit the sharing - and citi says yes just call them ( which I have with no help ) I want them to not share in reference to the last 3. 
Ex : For our affiliates everyday business purposes I dont want that shared nor do I want For our affiliates market to you shared as well as for our non affiliates to market to you - I dont want that shared either. Please have citi update this Bc I cant get a hold of them.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (WI)

I have some credit accounts all my credit report I have 14 delinquents on my credit report saying that payments are reported late I have bank statements that shows the months that they saying I didn't pay I paid in months that I did miss I paid 3 to 4 times and one month to these accounts and I tried to call them to fix them and send the three credit bureaus might prove of my bank statements and this matter haven't been inside I didn't know that you you paid the payments but still get reported as late is well I don't know what to and I'm asking for them to be fixed because the months had got paid and I am getting taking advantage of by the credit bureaus and the Creditor I'm showing my bank statement that ACH and debit payments that I paid them and they still are reporting them late I just don't know what to do and I don't know if y'all can help me
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-08-30
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. (DE)

i, am a victim of identity theft from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX. These companies has fraudulant accounts on my profile that needs to be removed immediately.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a home equity loan with Citizens Bank. Acct # XXXX. I set it under an auto payment program with Citizens Bank. XX/XX/2022 I was hospitalized for a XXXX XXXX. Afterwards, I suffered a XXXX XXXX, I was sent to XXXX XXXX for about a month. While I was in the hospital, I suspended my bank account for security reasons. And it didn't occur to me it will affect this loan account. I had no idea the auto payment was stopped too. So there's no payment from XX/XX/XXXX to XX/XX/XXXX. I never received a notice from Citizens Bank until I got the XXXX XXXX notice. I immediately called the bank and paid the total due of {$7300.00}. Citizens Bank closed this account, and changed this account to a mortgage loan with higher interest rate. I asked them about why I never received any notice, and found out they got my address and email address wrong. I have no idea how my savings account works, but home loan account doesn't. I made no complaints and arranged auto payment for the new mortgage loan. Little did I know this caused me a big setback in my credit report. I am now into a serious problem with my credit scores. I disputed with XXXX XXXX and XXXX. No one will correct my scores.
Consumer complaint received 2022-01-03
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: ENOVA INTERNATIONAL, INC. (CA)

I was contacted by a notice by NC FINANCIAL attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion furnished my credit report to XXXX XXXX without my permission or any permissible purpose. Transunion has violated my consumer rights. Transunion has violated 1681b ( c ) ( 3 ) of the FCRA.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXXXXXX 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
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My employer has been impacted by the XXXX ransomware attack and direct deposits are not currently an option. They instead have chosen to give paper checks for wages earned. I deposited 1 check at the local branch ( Fifth Third ), and then the 2 subsequent checks I deposited via mobile deposit. Less than 24 hours after the third deposit I attempted to log into my online account due to having received notice that a payment I had issued from my primary account could not processed. It told me that my username and password were not valid. Concerned about identity theft I called the local branch and the gentleman I spoke to explained he didn't have details but that the fraud department had frozen my account and gave me the number for them. I called them and spoke to a woman who spoke to me rudely about the matter. She stated that my account was frozen due to the deposits and that it would be 10 to 30 days before it was lifted and that should any of the checks be returned they would do a review to determine if I could even continue to use their services. The checks are good, they come from the exact same source that all of my direct deposits have come from for 3 years. I now have bills bouncing and am risking fees in addition to normal billing amounts and discontinued services as a result. And they do not care.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST (CA)

Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with Bank of the West I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
Consumer complaint received 2021-08-30
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. (FL)

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX/ XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.
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: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through Equifax back in 2017. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through money lion with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the Army I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the Equifax settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc. (OH)

Debt was disputed after collection representative called and revealed XXXX and identifying information without verifying the caller was a debtor. I filed a lawsuit and I requested suit be dismissed without prejudice. The debt was not reflected as in dispute with credit reporting agencies which is a violation of FCRA.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

On XX/XX/2021 I had a " severe '' XXXX XXXX, so we attempted to go to XXXX XXXX. 

We checked in at the front desk, and then basically sat there for more than 5 hours without receiving " any '' treatment for the problem. 

We finally ended up leaving the emergency room, and went to another hospital.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XXXX XXXX accounts, ending in XXXX, and XXXX, and XXXX XXXX up on my credit report with Equifax, as being charged off.Those Charge-Offs are considered Certificates of Indebetedness.Certificated of Indebtedness mean that it is Income, and must be removed ; as per 15 USC 1681b - Permissible Purposes and the Family Protection Act of 1974 XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974. 

XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX, and XXXX, were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WV)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I am writing to address violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681-2, regarding the handling of my personal information by XXXX, XXXX, and XXXX. 

Under 15 U.S. Code 1681-2 ( a ), consumer reporting agencies such as XXXX and XXXX are mandated to ensure fairness, impartiality, and respect for consumers ' privacy rights. It is evident that my private information has been shared without my explicit consent, contrary to the requirements of the FCRA. 

Furthermore, under 15 U.S. Code 1681-2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Despite this, XXXX and XXXX have reported adverse information about me without my permission, violating my rights under the FCRA. 

Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of the FCRA. XXXX and XXXX 's failure to do so demonstrates a lack of compliance with this provision. 

Moreover, under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of your reporting services. 

In light of these violations of the FCRA and related regulations, I demand that XXXX, XXXX, and XXXX take immediate action to rectify these issues. Specifically, I request the removal of any inaccurate information from my credit report and the cessation of any further unauthorized sharing of my personal information. 

I expect prompt acknowledgment of this letter and a detailed plan of action to address these violations. Failure to do so may result in further legal action.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Date open XX/XX/XXXX, Charge-off XXXX, XXXX XXXX XXXX XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..