davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (IL)

i did not receive a 5 day notification that this information ( XXXX XXXX XXXX ) will be reporting to my consumer profile ( Equifax ), also this information in fraud ( aggravated fraud ). XXXX  XXXX XXXX is reporting information without my consent and is only reporting to one reporting agency. Equifax has been informed on a few attempt to remove this info Equifax is violating 6 FCRA compliances. 

EVIDENCE IS ATTACHED BELOW IVE COMPLAINED TO XXXX ABOUT THE REINSERTION OF XXXX XXXX  XXXX ALSO THIS IS THE SECOND TIME DISPUTING THIS INFORMATION Section 607 - Compliance Procedures : This section outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy and completeness of the information they collect and report. CRAs must establish and maintain reasonable procedures to ensure maximum possible accuracy and completeness of the information in consumer reports. 

Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the process for consumers to dispute incomplete or inaccurate information on their credit reports. It requires CRAs to conduct a reasonable investigation of disputed information and correct or delete any information found to be incomplete or inaccurate within a specified timeframe. 

Section 612 - Charges for Certain Disclosures : This section specifies that consumers are entitled to one free copy of their credit report from each CRA every 12 months upon request. If a consumer disputes incomplete information and a corrected report is requested, the CRA must provide a free copy of the corrected report. 

Section 616 - Civil Liability for Willful Noncompliance : This section establishes civil liability for CRAs and furnishers of information for willful noncompliance with FCRA requirements, including the reporting of incomplete or inaccurate information. Consumers may be entitled to damages in cases of willful noncompliance. 

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section outlines the responsibilities of entities that furnish information to CRAs. Furnishers must provide complete and accurate information and conduct reasonable investigations when notified of disputed information by CRAs. 

Section 631 - Public Record Information for Employment Purposes : While primarily focused on consumer reports used for employment purposes, this section also emphasizes the importance of accurate and complete public record information in consumer reports. 

These provisions collectively ensure that consumers have the right to accurate and complete information in their consumer reports and establish procedures for disputing and correcting incomplete or inaccurate information. If you believe that incomplete information on your consumer report violates any of these FCRA provisions, you can take steps to dispute and correct the information with the relevant CRA.
Consumer complaint received 2023-09-22
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. (AL)

To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report Ive reached out by mail and by phone already now Im submitting a complaint
Consumer complaint received 2023-12-09
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. (OH)

XXXXXXXX XXXX XX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( Equifax, XXXX  & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

This company closed my account because I was receiving unemployment and it was frozen on XXXX XXXX. I was told they would send a check after they investigated and closed the account. Still to this day I have not been able to get an update nor an help about where my money is or why my account was closed. I also have been consistently mistreated when I call them. I can not remember the exact amount that was in there but it was about {$2000.00} that was stolen from me.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX sent information and I got served by. XXXX. The collection agency has an incorrect amount of what owe. 
I get countless mail. 
XXXX XXXX contacted them before being unable to keep up with their excessive late fees and over the limit fees and was told they was no program that i could in at the time. 
I get non stop calls
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted the XXXX bureaus : XXXX, XXXX, and Transunion and disputed personal info that was incorrect and XXXX collections : XXXX XXXX XXXX, and XXXX XXXX. Pursuant 15 usc 1681 section 602 A. states that I have the right to privacy and 15 USC section 604 section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b states that whats reported must be assured maximum accuracy and XXXX acct says that i have a late payment. 15 usc 1666b states that a creditor may not treat a payment as late for any purpose
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I made a purchase for {$3700.00} on XX/XX/XXXX. I expected to receive the goods purchased on XX/XX/XXXX. 

I did not receive the goods I purchased. 

I contacted the seller XX/XX/XXXX, XX/XX/XXXX, and XXXX with no response. 

I disputed the charge with XXXX on or before XX/XX/XXXX, approximately one month after I was to receive the merchandise. 

Fifth Third indicates I did not dispute the charge in time and owe the full amount. The credit card agreement is not clear to me regarding what timeline applies to this situation. I disputed the charge within approximately 30 days of not receiving the merchandise. 

Fifth Third did not communicate what actions, if any, they undertook to contact and/or try to recover amounts paid to the seller. 

This is the second time this year XXXX XXXX XXXX has adjudicated one of my disputes concluding I owe the amounts. I suspect XXXX is acting in bad faith, failing to adequately review and remedy disputes, rather simply concluding the amount is due. 

The other disputed transaction involved receiving merchandise completely different than what I purchased on or about XX/XX/XXXX. I provided clear evidence I did not receive the product I purchased. Not the same shape. Not the same manufacturer. The only similarly was color. This was abundantly clear from the evidence provided to XXXX. Astonishingly, I received a letter from XXXX concluding the purchase was valid and I owed the {$4000.00}. It was back on my credit card statement XX/XX/XXXX. I looked at the evidence upon which XXXX made their determination and pointed out that the seller clearly altered the invoice as it contained an XXXX date. XXXX replied we have not received any information that indicates that our determination was in error or that we should re-open our investigation. You would think pointing out that the seller fraudulently altered documentation, by providing my copy of the invoice which is clearly different, XXXX would have reached a different conclusion. But their goal isnt to carry out the inquiry in good faith, rather just get the customer to pay and move on. 

These two charges combined represent a significant sum for the average consumer. Nearly XXXX  XXXX. XXXX dispute team is not investigating these disputes in good faith and adjudicating them honestly. I would greatly appreciate the CFPB oversight to hold XXXX  accountable to conducting their credit card business in good faith.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX email XXXX Account # XXXX XXXX XXXX XXXX Credit limit start date XX/XX/XXXX was {$15000.00} Credit limit on XX/XX/XXXX XXXX {$500.00} First National Bank of Omaha Headquarters Phone Number ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX XXXX XXXX First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. 
$ XXXX credit limit, never missed a payment. Then unexpectedly XX/XX/XXXX, my limit decreased to {$500.00} which in turn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. 
XXXX First National Bank of Omaha cut my card limit down by about XXXX percent This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! Bait and Switch Contact customer service and I was told that I my FNBO - Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and However, when people applied for the cards, part of the qualification and limit-setting process stated nothing about I had to spend on the card.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 name : # XXXX, Account name : # 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 2019-12-20
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX, XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MI)

I called them on the phone all three credit reporting agencies, Experian, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

in 2018 bank of america closed my account because i had deposited a check i had gotten that apparently was fake and i did not know it. I didn't remove the funds from my bank so they were not out anymoney at all and they closed my account and said i can never open an account again. I have tried to open a new account to no avail
Consumer complaint received 2023-01-15
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. (FL)

I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

I was offered a settlement with Citibank who uses XXXX XXXX XXXX XXXX. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.
Consumer complaint received 2023-01-15
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. (NY)

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( 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 reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-20
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: Experian Information Solutions Inc. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-12-20
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-12-15
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. (OR)

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX XXXXm very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.