davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I need to open XXXX disputes for this transactions, the bank locked my account and I cant access to my online banking, also the call center doesnt work. 

Transaction XXXX : XX/XX/XXXX {$1000.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX Transaction XXXX : XX/XX/XXXX {$990.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX XXXX  Both orders must be delivered to my address on file on or before than XX/XX/XXXX. 
I started to contact the store on XX/XX/XXXX until this month without having any answer from them. The never answered the emails or phone.
Consumer complaint received 2022-07-19
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. (TX)

XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, XXXX, and Equifax proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB 1006.34, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Consumer complaint received 2022-07-19
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. (TX)

XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, Transunion, and XXXX proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions. 

1. ) Collections : XXXX XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$780.00} 2. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} 3. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NV)

Yesterday XXXX/XXXX/23 I spent over 5 hours on the phone dealing with Bloomingdales Amex customer service trying to get a credit limit increase to {$18000.00} for a purchase of a Diamond bracelet online. I was sent in circles I was argued with I was hung up on and I was given a disgusting attitude especially by supervisor XXXX. Not only has BLOOMINGDALES refused to assist with my credit limit increase none of the agents asked me for my account password except 1 person. I strictly asked for an account password be placed because for some reason your stupid system doesnt want to process a OTP using my phone number. Your computer system is so stupid. One month it lets me use my number for OTP the next month it doesnt. Ive had the same cellphone number for XXXX years. No other banks have this problem but YOU! The fact you failed to use my password which is to supersede the OTP XXXX me off to no end. Im furious. Then when I asked to talk to fraud to get answer why it wasnt being done the agent seemed to not want to be present. I asked her what her problem was she said nothing I told her she seemed out of it and she said yeah well Im tired. How unprofessional? Who is running this company?? I expect this service from XXXX XXXX but Bloomingdales? Im disgusted.
Consumer complaint received 2022-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX worker and a XXXX XXXX XXXX XXXX XXXX XXXX I have an issue relating to a BOA card late payment. From XXXX to XX/XX/XXXX, I was at XXXX  school for my XXXX Around that time, my aunt who I was a caretaker died from cancer due to covid, and my grandma who I was also taking care of was in and out of nursing home... during this time I was sure I had set up an online auto payment for my BOA account but BOA account fell behind and I was marked late. 

in XX/XX/XXXX, I spoke to BOA collections dept. and they told me that given my situation, since Im a XXXX XXXX and had a death in the family, they would remove late and late fees, within 30 days. They said they are allowed to do this and have done this for many of their clients. 

Weeks later I saw no changes to my credit report. And when I called back BOAs phone reps now gave me unsolicited legal advice and told me that I should dispute the account under the FCRA with the credit bureaus. 

All the while no less than 6 people at BOA told me the late was already removed but it was not.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> I sent a letter to the courthouse asking do they report bankrupsties to the credit bureaus I got a letter back stating " They do not report any bankruptcy to anybody so if thats the case. How did the credit bureaus edit my bankruptcy as XXXX percent accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 states the term " investigate consumer report " means a consumer report or portion therefore in which information on a consumers character general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported reported or other with whom is acquainted or may have knowledge concerning any such items and of information However such information reporting agency when such information was obtained directly from a creditor of the consumer They also violated my rights plenty of times The credit bureaus violated my rights under 15 USE 1681 According to this I have the right to privacy
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (DC)

There was a JPMCB credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I received a notice from XXXX stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Not only did they violate my rights but several inaccuracies are report in each bureau. In XXXX the Collection is stating that is is open. In Equifax the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, Transunion and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX ( XXXX ) XXXX/XXXX  XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( XXXX ) XXXX/XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (LA)

Dear cfbp team, I got scammed and someone took {$17000.00} from my bank account via ACH transfer from my chase business bank account. When I take a look at my bank account the amount disappeared from my bank account. I have been open a dispute with my bank account they said it's gon na take 15 days to investigate. Its been more than 15 days and did not hear from them, but I call them to check the status of my dispute and they said that their investigation rejected the dispute. However, now my account is overdraft {$2100.00} and want my money back so I can utilize my money. 
However, I save my money for my son to go to school. Now, this happens and my business chase bank denied the dispute. I want cfpb team to review my case and take action to get my money back. I am really depressed and do not know what to do. I am XXXX XXXX XXXX. 
Business name : XXXX XXXXXXXX XXXX account number : XXXX
Consumer complaint received 2022-07-16
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions. 

1. ) Collections : XXXX XXXX XXXX  account # XXXX open date XX/XX/XXXX amount of {$780.00} 2. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} 3. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Consumer complaint received 2023-02-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I put my money on this credit out of XXXX thinking I could get it faster when I opened a checking account since someone stole my money that added up to my whole paycheck. I been working on this since XXXX ago since someone stole my paycheck. I got this secured credit card to help me fix my credit but it has been a nightmare ever since. Now I'm paying for my paycheck with charges. Been trying to decrease my limit but im unable to and I dont know why. Credit bureau is reporting wrong info cause I got it paid up to what it should be and still my credit sucks. I was also had most of my bills in freedom debt relief over a year and now they are paid off and still get hit on those too I do not think is fair how I paid things up and still get ping as being bad im trying to fix my credit but all its doing making me look bad now pls fix it and someone has taken My identity and compromised it now making my life miserable. Pls help me.
Consumer complaint received 2022-09-03
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. (FL)

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service XXXX MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information.

15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (PA)

This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX