Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/XXXX I visited Home Depot in my local area to open a credit card and make a purchase for an outside kitchen project. Among other things, the single purchase included XXXX kitchen aid grill, one kitchen refrigerator, one kitchen sink, and outside kitchen doors. I was approved for a $ XXXX credit line after application and I attempted to make the purchase of the items for {$2700.00}. 

The entire process was handled by Home Depot customer service. This is when the problems started. During the 2-3 hr transaction while at the store customer service counter, I was contacted by the fraud department on my phone. They were concerned that someone was trying to charge {$2700.00} seventeen times on my card. I was told that two were processed, which sent my card balance over the limit. I informed the fraud rep that the Home Depot customer service rep is trying to process the transaction right at that moment and probably did it. To shorten this situation, neither the online reps nor the store could resolve the issue nor print a receipt, so I left the store without any merchandise near closing after hours. 

Since I was not able to process the order, i waited a week or so until the problem was cleared from my credit card and I then went to a Home Depot closer to my home and made the same order. About an hour after the transaction, after i had left the store, I got a call saying the grill i purchased that they thought they had in store-they actually don't and the rep was going to cancel the grill off the order and then ask me to order it online. I did that, and i thought everything was good until i received the grill but kept getting notices for other grills ( same one ) in route to ship to me. 

After checking my credit account, I learned that i am being charged for a total of three grills. I also received a couple other duplicate items. This entire process has been one of the worst experiences i've ever had and I intend to payoff this card quickly and never apply again once my account is fixed. 

Note : recently the grill i did receive was faulty and had to be returned and i had to purchase another grill.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I have two unauthorized inquiries ( XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) on my credit file, both of these inquiries weren't authorized by me.I do have a account with XXXX which I was a prepaid account holder for years. I kept getting texts messages saying " for being a valuable and long standing customer I qualify to get a post payment account ''. I did go into the XXXX store and paid my prepaid bill, and asked the young lady who took my payment about the post pay deal, she asked did I want to switch my plans, and I distinctively asked the young lady did they have to run my credit because I was trying to keep my score up and inquiries down, she then asked another young lady who replied " it won't mess with your credit it's only a soft pull. I said if it's only a soft pull sure, I didn't sign no paperwork she did everything on the computer while I was at the counter. I'm not on a XXXX contract it's just a post pay plan, so that shouldn't be held against me, and I shouldn't have a useless hard inquiry on my file due to employees lying to get business.
Complaint sub-issue: Information that should be on the report is missing

The background check company Checker, has not only relayed false information to a potential employer regarding my Motor Vehicle Report. The information they relayed is that 1st ; I have no license. 2nd ; my drivers license is suspended. 3rd ; That I have a failure to appear in traffic court for a moving violation. 
This is completely inaccurate information that has been relayed to a very prospective imployer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been having problems with Equifax for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from : XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.
Complaint sub-issue: Public record information inaccurate

Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX  and XXXX  and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.
Complaint sub-issue: Attempted to collect wrong amount

This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Complaint sub-issue: Problem using a debit or ATM card

Parties involved in this dispute : MrXXXX and Mrs. XXXX VS TCF Bank On XXXX XXXX my husband came to me and said we have an XXXX XXXX on our account, Can you find out what this is. So I logged on XXXX XXXX and talked to an agent Who said you have logged on to unsecure site and said he could fix it for me. He said to be able to access XXXX XXXX we need to do a few things. One being a picture of my credit card and face. Let me tell you honestly he had me put in some long numbers By the time I realized it he had had drained our checking account. I called the bank immediately by the time I got through all the prompts there was 3 transactions. The bank assured me not to worry we already flagged the 3 transactions. At the same time my husbanded dropped everything and headed to the bank. He sat down with the bank manager she pulled up our account, she showed him the screen with 3 items where flagged and not to worry. Than a quick visit on Monday morning the bank said we let 2 charges go through and flagged one. so this meant NO your not getting your money back On that same day XX/XX/XXXX I filed a report with the XXXX XXXX police department. I gave the wed site and who I called case # XXXX Since than we have spent hour after hour fighting with the bank, As you will see in the paper work the bank will not return our money because they said we benefitted from the transaction. The whole thing is a nightmare We lost {$5500.00} They said we bought crypto currency. WHAT??? I admit I was very irresponsible and down right stupid. However my complaint is why did they return one and not the other 2. Please help us as we have called every week to get answers, they keep sending letters why they are not working with us This has left us in a very dire situation Please Please help us
Complaint sub-issue: Problem with fees

I paid off my US Bank Credit Card in full, paid it early and paid it on time. They proceeded to charge me interest and fees because they claim that my payment was 2 days late. It was not 2 days late, the minimum payment was 7 days early ( XX/XX/2019 ), then I made an extra payment to pay off the balance in full ( XX/XX/2019 ). 

On XX/XX/2019, I was notified by my credit monitoring company that US Bank reported me 30 days late and it lowered my score by 100 points. I was shocked to see that there was a balance and a payment due, I never received a statement, email or phone call. I was notified by XXXX. 

I called US Bank and the first representative realized there was a mistake in the way I was billed, so I was transferred to her supervisor - XXXX. XXXX was wiling to remove all the fees, and take my account back to {$0.00} balance, but she refused to admit the bank did any wrong doing and she refused to correct the inaccurate 30 day late that reported on my credit report. She claims that my payment was 2 days late, even though I showed proof that I made 2 payments that month, the minimum and an extra payment. She said that I was charged a late fee, which incurred interest. That is just blatant lies and seriously borderline fraud. 

I'm attaching my statement. My payments are due on the XXXX of the month. I made the payment due on XX/XX/2019 on XX/XX/2019, I then made an extra payment on XX/XX/2019 to pay off the entire balance, so I didn't owe anything. 

Just when I think I'm out of debt and my credit is improving, the Bank pulls a stunt like this. This is by far the most fraudulent thing I've seen by a big bank! 

I have never once been late and I've had this card for over 5 years!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over XXXX months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.
Complaint sub-issue: Company closed your account

PLEASE ADVISE THE STATUS OF MY COMPALINT ( XXXX ) FILED WITH CFPB ON XXXX XXXX, 2017!!
Complaint sub-issue: Their investigation did not fix an error on your report

Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Complaint sub-issue: Account information incorrect

Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my EQUIFAX, XXXX, and XXXX credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus EQUIFAX, XXXX, and XXXX to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon
Complaint sub-issue: Information belongs to someone else

after obtaining a current copy of my credit report i noticed a fraudulent auto loan opened in my name which i did not authorize
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I made a purchase using my Cash App card at The XXXX XXXX for the amount of {$31.00}. The XXXX XXXX cancelled the order due to being out of stock and they refunded {$31.00} to my Cash App card. 

However, when I checked my Cash App account, only {$1.00} was refunded. I have tried to bring this up with Cash App customer support, but they keep saying that they are unable to reimburse the missing {$30.00}.
Complaint sub-issue: Personal information incorrect

I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH EQUIFAX, XXXX, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....
Complaint sub-issue: Problem with fees

In the midst of this COVID-19 outbreak. Discover Card/Discover Bank has conveniently decided to increase its late payment fee to {$40.00} dollars. Discover has done this knowing fully well that many persons will not be in a position to make there payments on time due to the economic effects of the COVID virus on them. 

Discover has done this to benefit itself. XXXX its customers to enrich itself in this time of social and economic peril.
Complaint sub-issue: Account status

This is the third time I have tried to get equifax to update this account.I have submitted supporting documents each time. I sent transunion the same documents my credit file was updated with no problem. I call equifax in XX/XX/XXXX the repesentive I talked to told me just because I submit supporting it 's up to the creditor not equifax to update my credit file according to the fair credit reporting act if a consumer provide supporting documents the credit file must be updated..
Complaint sub-issue: Problem with paying off the loan

1. USBank plays favorites. My lease buyout with XXXX XXXX is {$24000.00}. At XXXX XXXX it is {$32000.00} because they don't have a relationship with USBank. 
That is punitive to both XXXX XXXX and me. If I choose to deal with XXXX XXXX I have to pay the lease off with my own money. 
2. USBank doesn't allow payoff by XXXX  XXXX or ACH. They require a personal check, Cashiers Check or XXXX XXXX. I XXXX  my check with the required payoff and documentation to USBank. They received it at XXXX XXXX on XX/XX/20. The check has still not been processed 8 days later and they tell me when they do cash the check there is a five day hold on the funds. Then they process the title. This process could take a month. It should never take over 5 days. In the meantime the trade in value of my truck has gone from {$31000.00} to {$30000.00} XXXX XXXX Offer ). This process is punitive to me to all lease customers. 
3.I have spoken to at least ten employees, 2 supervisors, and have left messages with an operations manager. None of them could tell me how or to whom to complain. There is nothing on any USBank Website that I could find that allows me to make a complaint with them or CFPB.
Complaint sub-issue: Debt is not yours

reporting a debt that may or may not be mine to the CRA 's which is past the SC statue of limitations.
Complaint sub-issue: Unable to open an account

On XX/XX/XXXX, I applied for a checking account from US Bank and it was approved instantly and then I completed an initial deposit of {$25.00}. After that, I received an email that everything is completed. However, one month has passed, I have not received any information from US Bank about my account information such as account number and I have not gotten a debit card, so I can not set up my online account number. 

Until now, this account is still unavailable. I already spent a lot of time on it, called the customer service but nobody could help me, they transferred me to each other department.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.