davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

Home Depot employees ( XXXX XXXX and XXXX XXXX ) stated we would get 24 months of no-interest financing through our Home Depot credit card to have Home Depot resurface our kitchen appliances. The purchase was made on XXXX XX/XX/2021. Home Depot is only giving us 6 months of no-interest financing. Order # XXXX. XXXX XXXX the sales manager said he is unable to assist as he is just a sales manager with limited access.
Consumer complaint received 2020-06-03
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. (OK)

**Dear governor, My name is " XXXX XXXX ``. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX ================================== ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2021-01-28
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. (SC)

Hi Ive sent XXXX transunion and XXXX 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello, I have been seeing for sometime now a report a XXXX XXXX from a company name XXXX XXXX XXXX. I searched them up and send numerous emails and calls but never got a reply. 
I already complained about this in the past. 
Frankly speaking I didnt know what this was about until I learnt initially that it was linked to a cable company I had even ceased my contract with one year prior with my account in order. 
I owe nothing to no company! 
Please remove this from my account or give me the details of what you pretend I owe so that I can go after the company because I dont owe anything!
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is an FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent the required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.
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: Experian Information Solutions Inc. (MD)

Re XXXX XXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and Experian to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I discovered this charge off on my credit report as bad debit. I attempted to contact the company about the charge off amount on my credit report that is inaccurate. I explained to the debit collector that not only was I not aware of this charge off being placed on my account but I the amount of debit is completely inaccurate.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CO)

UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX ( XXXX ) I received communications from American Express regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to American Express, informing American Express that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

American Express XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from American Express XXXX XXXX  was my account was sold to XXXX XXXX XXXX XXXX ( XXXX ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with American Express XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and American Express XXXX XXXX investigation findings. 

In the meantime, XXXX XXXX XXXX XXXX ( XXXX ) has been sending frequent emails to collect the said debt. I have not communicated with XXXX XXXX XXXX XXXX ( XXXX ) because this confusing situation requires resolution before paying anyone any amount of money.
Consumer complaint received 2018-02-02
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: CITIBANK, N.A. (TX)

My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.
Consumer complaint received 2023-04-01
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)

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (MD)

I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with PNC bank. After submitting my application, PNC denied me of my right that I exercised in good faith of extending my credit. Pursuant to 12 CFR 1002 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right in extending my credit through their financial institution. This caused me some small damages and inconveniences due to the fact that I intended on immediately utilizing this credit extension for some family and household purposes.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You
Consumer complaint received 2021-11-06
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: Bread Financial Holdings, Inc. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (MA)

Galaxy International Purchasing continue to report inaccurate and illegal account on my credit report. In my last dispute with this inaccurate and illegal account a agency from Galaxy International Purchasing name XXXX XXXX responded with a letter stating that Galaxy International Purchasing dont and have not reported to any credit bureau XXXX I have attached supporting proof documentation from my credit report clearly showing that this inaccurate and illegal account is on my credit reporting. The statement by XXXX XXXX XXXX is subterfuge and not truthful as you can see by the supporting documentation I have attached. Galaxy International Purchasing is violating the FCRA requirements by continuing to report this inaccurate and illegal account after I have stated to them I am not the rightful owner of this inaccurate account. This is not right or fair to me and this inaccurate account being reported by Galaxy International Purchasing has caused serious injury and harm to me.

Please see attached copy of credit report showing this inaccurate and illegal account being reported after Galaxy International Purchasing stated that it wasnt being reported.
Consumer complaint received 2022-11-20
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. (TX)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Have violated  my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 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 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. (MD)

Re : XXXXXXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX : Last year, I submitted a certified letter to XXXX, Transunion and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-06
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)

Experian is reporting a charged-off account and updating it every month. If the account is charged-off it should not be reported every month. In addition the account is reported 120 days late XX/XX/2018 and XX/XX/2018. This account is inaccurate. PLEASE DELETE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

Chase credit card sent me a promotion to open a credit card ; if I spent {$500.00} in 3 months I would receive {$200.00} cash back. I spent {$1000.00} the first month and thus I deducted the {$200.00} csh back on the first billing. They never credited me with the {$200.00} and thusly started charging me late fees. I contacted them a couple of months ago and the person I spoke with agreed with me, and said the balance due should be XXXX. But they still are sending me a bill for late charges plus the {$200.00} I deducted.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX app. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on one of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance XXXX XXXX  {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY EQUIFAX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYEQUIFAX.COM CREDIT REPORT BOTH ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED EQUIFAX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.