davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

I had opened a Savings/Checking account set in Citi in XX/XX/2018, and transferred {$15000.00} on XX/XX/2018. This account was opened online through a promotional link on Citi 's website, and if I maintained the balance of XXXX for 60 days, I would be eligible for a bonus. From the time I opened the account, I have never received any confirmation email from Citi that I was signed up for the bonus. I had called into their call center several times, and no rep could confirm that either. So, very conveniently Citi would just have customers open accounts and have them make a large deposit, then provide 0 % interest, and no commitment of bonus. I maintained the balance until XX/XX/2018 ( requirement of 60 days ), and then withdrew XXXX. I had called back on XX/XX/2018, and the rep was confused why I had not received the bonus. She said that I had met the bonus criteria, and I should be receiving the bonus soon. She even opened a ticket for it. 
Yesterday, when I called in again going through a series of uninformed and untrained reps, someone called XXXX from KY confirmed that I was no longer eligible for the bonus as a related checking account got closed. Who closed it and why was I not informed of it before? When I came to know about it, I had opened another checking account within a day of closure. So, Citi very conveniently lures new customers to open new accounts, but their system nor their reps have no record of any specific information.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. 
Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. 
I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. 
OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.
Consumer complaint received 2024-03-15
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. (NC)

This serves as another complaint to follow up on my recent issue concerning inquiries and the removal of inaccurate personal information. In accordance with FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items referenced in an identity theft report, with mine being under reference # XXXX. Enclosed are the relevant documents to facilitate the removal of the inaccurate address and inquiries from my report. Below is a list of unauthorized account openings : 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 XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate any items in a consumer 's file identified as information resulting from alleged identity theft within four business days of receipt.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I hereby dispute the non-reporting of my XXXX XXXX individual credit card account on my Equifax credit report. It has come to my attention that my individual XXXX XXXX XXXX account ending in XXXX is not being reported to Equifax, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as Equifax. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is evident that XXXX XXXX has not complied with its duty to provide accurate information to Equifax concerning my credit card account. This has resulted in the omission of crucial credit history data from my Equifax credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with XXXX XXXX that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge Equifax to conduct a thorough investigation into the non-reporting of my XXXX XXXX credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.
Consumer complaint received 2023-02-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/. 

XX/XX/XXXX  Certified Mail Tracking number:XXXX XX/XX/XXXX  Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking number:XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX 2.Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3.Account Name : XXXX- XXXX XXXX  Account Number : XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (UT)

On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, North Carolina State Employees Credit Union , and requested they report a line of credit ( {$500.00} ) to XXXX credit bureau . They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact XXXX  and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent?

This complaint is in conjunction with a previously file complaint against the credit bureaus.

Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home.

A timely response to this ongoing issue is imperative to the concerns of my family and I.

Thank you.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Formal Response to Notice Regarding FCRA Section 605B sent to me, dated XX/XX/2024 Dear TransUnion, I am writing to address the recent communication from your office dated [ date ], regarding my request under Section 605B of the Fair Credit Reporting Act ( FCRA ). In your response, you have made the audacious assertion that my request is either an error, a misrepresentation of material fact, or an attempt to obtain goods/services. Frankly, I find this response both egregious and utterly unacceptable. 

Let me be unequivocally clear : I am utterly exasperated by your continued disregard for the gravity of my situation and your failure to comprehend the severity of the identity theft I am enduring. Your cavalier dismissal of my request as a mere error or misrepresentation is an insult to my intelligence and a slap in the face to the countless individuals who have fallen victim to identity theft. 

I find it utterly preposterous that you would dare to insinuate that my request, supported by irrefutable evidence including a meticulously filed police report and thorough documentation of my identity, could be misconstrued as anything other than a legitimate effort to rectify the egregious errors tarnishing my credit report. The notion that I would fabricate such a claim to obtain goods or services is not only baseless but also deeply offensive. 

Your attempt to trivialize my ordeal by reducing it to a mere dispute over reporting accuracy is an affront to the suffering I have endured as a victim of identity theft. I remind you that the purpose of Section 605B is not to engage in frivolous disputes but to provide a mechanism for individuals like myself to safeguard our financial well-being in the face of malicious fraud and deception. 

I demand that you cease this callous disregard for my rights as a consumer and promptly fulfill your obligations under the FCRA by processing my request for blockage without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to compel compliance and seek redress for the egregious mishandling of my case. 

I expect to receive immediate confirmation of the processing of my request and the subsequent blockage of fraudulent information from my credit report. Anything less will be deemed unacceptable, and I will not hesitate to take swift and decisive action to hold your institution accountable for its negligence and indifference. 

Sincerely,
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (GA)

I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX- Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX Account number XXXX XXXX- Account number XXXX XXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX- Account number XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX-Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX Account number XXXX I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report.

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter.

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution.

Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified.

Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right yo 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
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Me and XXXX XXXX were divorced in 2001, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over XXXX  years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since 2001. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXXXXXX XXXX, solely.
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.