davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I was paid by my employer on XX/XX/XXXX, on XX/XX/XXXX my bank account was drained by a Garnishment for a Civil Judgement I had no idea even exsisted. They sued me for a account that was supposadly opened in my name in XX/XX/XXXX. I was XXXX at that time, I didnt have anything in my name. They filed this suit in XX/XX/XXXX. I have NEVER received a summons for court, I have NEVER received a notice stating there was a garnishment or my right to appeal the garnishment. I have never been served. I was completely unaware of this debt until my bank told me today. about a month ago I started getting calls threatenting me about a Law Suit, they were even calling my parents, grandparents, and minor child threatening that I need to get an attorney and call them to prevent jail time. When I called they could never give me any information and stated they were unable to find record of a debt. So I reported it to the Consumer protection website because they couldnt give me any information so I figured it was a scam. I dont know if that was in relation to this or not. But this court case began 11 years ago, from a debt that was wayy older and that I dont even know about because I was a minor. Now I have no money, I have XXXX kids, I care for my father who is batteling XXXX  XXXX XXXX XXXX, and I was just diagnosed 2 months ago with a XXXX XXXX  XXXX ( XXXX XXXX ), I couldnt even pay my rent, or get gas in my car or food for my kids or get my prescriptions which my life depends on!! If i would have know about this judgement I would have taken care of this a long time ago, I would not avoid a court order. I didnt even know you were able to access court records online until today! Is there anything I can do to fight this? or to get my money back? I am DESPERATE.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (SC)

CBE GROUP I have no Idea of this company it looks as if they continuously make my debt a new one and i have no idea what this company is, I've used XXXX XXXX  to dispute it but it continues to reflect on my report.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

{$6000.00} was stolen from my checking account at Capital One by an unknown party. 
I wrote a check to XXXX XXXX XXXX XXXX on XX/XX/2022. I put it into the mail slot at my local Post Office. The check was cashed on XX/XX/2022. ( see copy of cashed check enclosed ) When I received the statement from XXXX XXXX XXXX XXXX, the amount was not reflected. I contacted the bank as well as the school. ( XX/XX/2022 ) The school confirmed that they did not cash the check nor did they receive the check. ( see copy of email correspondence enclosed ) I also reported the incident to The XXXX XXXX XXXX on XX/XX/2022. ( see enclosed email confirmation ) Since I notified Capital One of the incident, I have not received correspondence of any kind from the institution. Its as if nothing ever happened. There is no urgency. I know that if it were the credit card account, there would be a rapid response. Since it is my funds and not theirs, Capital One bank appears to be taking their time to act. 
Next, I requested reimbursement for my funds while the bank does their investigation. The representatives were not able to help, they only told me that there was no update and depending on the results of the investigation, I would receive my funds. 
This situation is causing harm to myself and my family. In order for my children to secure a place at their current school ( XXXX XXXX XXXX XXXX ), The payment needs to be made. Their spot may be given to a new family that applies for admission there for the upcoming school year. Ive explained the urgency to all the reps, they state they will enter it into the notes and I will be called if needed, still I have not received any correspondence, nor my funds. 
I called on XX/XX/XXXX and spoke to XXXX, she gave me the same answer all the previous reps gave me. I asked her to provide me with any regulatory agency over the bank so that I can make a complaint. She provided me with the Office of the President oXXXX Capital One and told me that I can write a letter and I will receive a response within 14 days.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Consumer complaint received 2022-04-29
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. (NC)

Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. XXXX and Transunion claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? XXXX and Transunion, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.
Consumer complaint received 2021-05-04
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. (LA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint
with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

I got one promotion from Discover/XXXX  that if I make my discover credit card as default card for payments -I will get {$10.00} as cash back. Pre conditions - I need to make one such purchase from XXXX using discover credit card. 
Unfortunately neither discover credit card nor XXXX is helping me out.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX
Consumer complaint received 2022-10-14
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. (GA)

Error, inaccurate information. Im not an authorized user, and neither do I have a XXXX XXXXXXXX account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (GA)

Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately XXXX. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX XXXX XXXX, my scores are in the XXXX - XXXX range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX XXXX XXXX XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX XXXX XXXX XXXX. The difference in what I see and what I am told the reporting agencies see is over XXXX points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NV)

The amount claimed owed was removed from credit report as a result as identity theft I have talked with company numerous of time and this file keep being added to my credit report. on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they have been failing to comply with the FCRA and all information on account is inaccurate
Consumer complaint received 2021-05-04
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Consumer complaint received 2018-02-05
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. (MD)

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Consumer complaint received 2022-01-11
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. (TN)

I have filed several disputes via mail to Equifax to remove two 30 day late payments from a closed XXXX XXXX XXXXccount. The 30 day lates are not accurate and I wasnt late in XXXX nor XXXX. I have even chatted with XXXX XXXX on XX/XX/07 and they sent an email, stating they will follow up about the issue. The company has failed to follow up or response to the multiple disputes and Equifax has failed to response to my disputes.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AR)

Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.
Consumer complaint received 2021-09-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I send certified mail to BOA with notarized a affidavit about the violation 15 USC 1681n ( B ), exhibit A and the invoice for the violation. tracking number XXXX. Please see attached documents for more information
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

I was contacted by the phone number XXXX on Tuesday, XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Good Afternoon my name is XXXX I'm calling on behalf of XXXX regarding notification of the pending compliant against XXXX XXXX. We need you to contact the issuing agent at XXXX and reference case number XXXX. This is an urgent legal matter requiring immediate attention. The failure to comply will result in further legal action. Please be advised the just call disapprove efforts of the made to notify you XXXX in regards to this matter all communications are monitored and recorded for legal purposes. '' The same number contacted me Wednesday XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Afternoon my name is XXXX I'm calling on behalf of XXXX  just regarding a notification on the pending complaint against XXXX XXXX. XXXX you need to contact the issuing agent XXXX and reference case number XXXX. This is an urgent legal matter that requires your immediate attention. Failure to comply will result in further actions being taken. Phone number once again for either you or your attorney to contact is XXXX. Please be advised proof of parts are made to notify XXXX and regards to the matter and all communications are monitored and recorded for legal purposes. '' The same number called again on Thursday XX/XX/2021 at XXXX from XXXX XXXX , NJ. The caller left a message : " This is an urgent message for XXXX XXXX. XXXX your file has been forwarded back to my office for noncompliance this time sensitive to prevent stop further actions from being taken against you. You need to contact issuing agent at XXXX reference case number XXXX. All communications are monitored and recorded for legal purposes '' The same number has tried contacting my wife on several occasions and left voicemails. 

I called the XXXX number back and spoke to a woman, she claimed I have a unsettled credit card debit with Chase bank and I am being sued in small claims court. I explained that I have no credit card debit and have been debit free for 5 years. She proceeded to argue with me and claim XXXX has a unpaid outstanding debit against me. She asked me to verify my last for digits of my Social Security Number. I asked why I had not received any notifications about this matter in the mail and she responded that the claim is moving forward to small claims court. At this point I realized this was a possible scam and told her that I need proof sent to me via the mail regarding this matter, she gave a run around answer and I told her to XXXX off and you do what you need to do as I will do what I need to do to report the scam.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc. (OH)

I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.
Consumer complaint received 2021-02-11
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}