davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Consumer complaint received 2021-06-13
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. (NC)

XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the XXXX credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered U

NVERIFED. I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020, i was sold project from on of the sales associates from lowes for amount of {$17000.00} and was suppose to be on Lowes credit card with 24 months 0 % financing, which i have written and signed document as a proof. But after six months they started charging me interest on left over balance, Ive been calling were since then trying to take care of this issue and nothing has been done but instead they just keep charging me interest and telling me that promotion is expired, Please help.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2020, XXXX ( XXXX ) illegal transactions were made on a Chase credit card Issued to me within a XXXX hour period in XXXX ( XXXX ) geographical locations ( XXXX XXXX  XXXX and XXXX ). The total amounts of the XXXX ( XXXX ) illegal transactions was {$430.00}. The Chase Fraud Dept was contacted and they responded by saying since the card was in the rightful card holders possession and they were in-store transactions with a chip card, they regarded the transactions valid. They were advised the rightful card holder did not make the transactions and produced surveillance video from XXXX ( XXXX ) merchants showing who made the transactions. Chase insists the transactions must have been valid because the rightful card holder had the card in his possession and it was made in-store with a card bearing the correct information. The rightful card holder was not in the location of XXXX ( XXXX ) of the transactions. The third ( XXXX ) illegal transaction was made in a store in XXXX shortly after the rightful card holder made a valid purchase at that store. The Chase Fraud Dept stated they did research into the complaint and rejected our response. They are holding us responsible for purchase we did not make and can prove it! Very frustrating! The Chase Fraud Dept has been forwarded all available information and records regarding this matter.
Consumer complaint received 2021-08-23
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. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2021-04-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Certified Credit Associates, Inc. (MT)

On XX/XX/XXXX I notified CFPB that a company XXXX XXXX XXXX reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected ( see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that XXXX XXXX XXXX sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on XXXX  XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.
Consumer complaint received 2021-08-23
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: CITIBANK, N.A. (IL)

citi bank lowered my credit score three points and it says because citi bank removed their mark from my account that makes creditor see me clear where it cost me three points.why citi bank did add or remove this mark what the changes or the updates that made them do that i have no clue/ i called citi bank they denied and all creditors say its Citi bank behind lowering my credit score. 

my emails XXXX XXXX XXXX XXXX its like once i write complain i dont think i should write same exact email address and not sure why this huge cruelty to reduce my credit score three points on XXXX XXXX, XXXX, XXXX  .I want to know why citi bank reduce my credit score three points, please have this abuse stop. 
please look at the last report where you would see that my credit score went down three points and citi bank refuse to tell me even why
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/2022 Payment amount XXXX I called 2 times to find out what happened to the payment no straight answers and both calls they hung on me when I repeated ask why the payment was put on hold this has never happened to us before. 
On XX/XX/2022 the XXXX payment was taken out of the account and no payment was credited after XXXX XXXX XXXX to the account. 
We are concerned about the unlawful practice that capital one has taken out money from the checking account on XXXX but no credit has issued yet there has been no credit to the credit card as of the time of this complaint. 
We received no notification that the payment was put on hold my was for what we never had with making our payments. We had to pay rent thank goodness we had extra other places to pay our rent! 
As of this complaint we have not received a clear answer to our question but a bunch of scripted nonsense that makes absolutely no legal practice and abuse of our account and how and why we are being treated unfairly. 
And for the stress that capital has caused us .we want an additional credit of XXXX for the abuse, stress and unfair treatment that capital has put us through.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (MA)

I got a letter from CBE Group roughly 6 months ago, stating I owed money to the IRS. That is another issue in itself that has been in remediation. I responded to the CBE Group with a debt verification letter, seeking more information, including proof that they were the authority in collecting the supposed debt. I received a letter back, reiterating the amount I supposedly owed ( again, I had already been in talks with the IRS as well ). I wrote back to CBE Group stating that since they could not verify or validate the debt, as was requested, then I would not be paying. That last communication was in XX/XX/2021. Yesterday- XX/XX/2021- I got another letter with the supposed amount owed. The IRS is listed as a " creditor '' on this letter. I wrote a response letter, again asking for validation/verification of debt, and stated that I would be filing a complaint against them with the CFPB. CBE Group failed to previously validate this debt, and are again trying to collect. This time, the amount is roughly double the original amount due to " interest '' and " penalty ''. Considering they never verified the original debt, I do not understand how it has almost doubled. 

Some things I added to the response to this most recent letter : - The verified amount owed upon your first contact with me - The age of the debt upon your first contact with me - A copy of the agreement with your client that grants you- the CBE Group- the authority to collect this supposed debt - A copy of any signed agreement that I have made with the collector, or other verifiable proof that I have a contractual obligation to pay this supposed debt - A statement that the debt is assumed valid based on my initial written response You are also in violation of interest installments and penalties. Having failed to previously validate the debt, you can not continue to charge interest or penalties. Please also correct the total amount of debt to the time you made first contact with me, and also provide the total amount on the debt that I first requested validation of this supposed debt.
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX DEPTEDXXXX  Account # XXXX DEPTEDXXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohls/Capital One is reporting a charge off account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Capital One wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Capital One also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Capital One delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2019-08-01
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. (WA)

The following accounts were on my credit report as Charge off with balance on my XXXX and Transunion credit report:XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX have remove this debt why is XXXX and Transunion not complying!!!
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TX)

I contacted the company about lower my interest rate to be in accordance with the Military Lending Act after I got my orders sent to me. I sent a copy of my orders to the company and they are refusing to lower my interest rate.
Consumer complaint received 2022-10-08
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: GOLDMAN SACHS BANK USA (CA)

GOLDMAN SACHS ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX  ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Consumer complaint received 2022-07-06
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-08-23
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. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unknown inquiry reporting on my Credit Report : XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/20XXXX XXXX
Consumer complaint received 2022-12-02
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 the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX DATE : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) DATEXXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXXXXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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.