davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I placed an order on the Macys.com website for XXXX dress on XXXX XXXX, XXXX order # XXXX, charged to my Macys credit card. 
I never received the dress, but I did receive an email on XXXX XXXX saying the item had been delivered " in or at '' my mailbox. 
I immediately checked my mailbox and the surrounding area and there was no package. A dress of this size would not fit into my small mailbox. 
I waited until early evening to see if the item had possibly been mis-delivered to a neighbor, but none of my neighbors had that package. 
I immediately went on to the Macys website and customer service was closed due to it being after hours, so I chose " contact seller '' and messaged the seller ( a third party ) to let them know there was a problem with the delivery and I did not receive the item. I requested that the item be reshipped or refunded. 
I never heard back anything from them. 
I have still never received the dress, and I have not received a credit to my original form of payment ( Macys charge ) either. 
The following day I contacted Macys customer service dept. via the chat feature and let them know I had not received the package. I did check with my immediate neighbors and no one had received the package. 
I have been at this same address for 30 years, and have also been a Macys cardholder for 30+ years and have never had an issue with non-delivery of packages or packages being stolen. 
I receive packages at this address almost daily ( left on my residential front porch since I have a very small mailbox ) so there is something that does not seem right when the XXXX tracking shows it was left " in or at my mailbox '' since the item clearly would not fit in my mailbox. 
I then contacted the local XXXX and was told that the only information they have is what the tracking number shows, but items are mis-delivered every day, and only the shipper can file a claim, I as the recipient can not file a claim for a lost or mis-delivered package. They also asked if the package was sent via Priority Mail which has insurance included, or insurance was separately purchased for the item since it was a {$100.00} dress. ( I do not know the answer to those questions regarding insurance coverage on the package, however, I had no choice in which carrier was used to ship the item and insurance was never offered or suggested. ) I contacted Macys again today and told them I wanted to dispute the charge for non receipt of item, and also emailed the seller again and told them that since I had not heard back from them regarding the 'lost " item, I would be disputing the charge. I immediately received an email from the seller stating they would not replace or refund the dress, that the XXXX tracking number " shows I received the item ''.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX sent me a Notice of Summons for a debt with Discover Card. The summons I received was Overnighted by XXXX XXXX but had information from another Discover Borrower, giving me all her information including Debt owed. It would seem that that person or someone else received my personal XXXX XXXX information. 

When I called the Law Firm I was told that I have a debt and that I should contact the Federal Agency to file a complaint. I was told that a Summons does not have to go to me, it could go to any relative or responsible party, well my information went to someone not familiar with me.

The Law Firm said that they received an affidavit that stated I was served which is either Fraud or Negligence. 
So my financial information as well as the other party received other peoples information And a Judgement was entered unlawful as Affidavit the law firm received was erroneous, and since it was outsourced they are responsible for all actions, at the same time Discovywould also be responsible as they are the Creditor and are ultimately responsible for outsourcing their business needs.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (CA)

Hard inquiries Not authorized and demand removal from the three CRAs : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (GA)

XXXX XXXX  originally tried to charge me {$6500.00}. We went to court on XX/XX/year> where i agreed that I would pay {$5600.00} to XXXX with XXXX of their reps and their attorney and then it was confirmed and handed down on an official order by a judge. The official order was sent to me by email by a XXXX representative reflecting this amount but still They have continued to try and request the full {$6500.00} I have requested a change and provided the court order but they responded by sending my debt to collections. I have disputed my case and the results came back as no change I want this removed from my report if possible.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (ID)

Cash App had a data breach in XXXX or XXXX or so. I contacted their support via app to ask if I was part of that data breach. They refused to answer the question, using automated responses that obfuscated answers. It is obvious that they deliberating steered the conversation away from my request.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio failed to provide me the original credito. 
Proof of collection agency has the right to collect. 
They fail to validate my debt, if they fail the collection agency can no longer force me to pay the debt nor take me to court. they should remove it off my credit report per the FDCPA. 
Portfolio failed to provide any judgments obtained. 
XXXX use XXXX XXXX asking them to remove from all three credit office
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX an unauthorized payment went through my account from XXXX XXXX in the amount of {$3500.00}. I disputed the transaction and Chase denied my claim because they stated I had to dispute XXXX transactions from XXXX. I notified Chase that their representative advised me that it was past the cutoff allotted time for disputing a transaction. I have disputed transactions from XX/XX/XXXX to XX/XX/XXXX and they were all credited back. I was informed by a supervisor to go ahead and dispute the old transactions. I did dispute those transactions and they denied the claim. The denial was due to me not sending back the signed dispute documents. I then went ahead and sent the documents. I called Chase and they told me it was denied. The reason is that I did not dispute the transaction, but I did. They kept denying my claim although the transactions were disputed. 
For XXXX weeks they have been denying the claim due to an error on their end.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (AL)

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  Account # XXXX In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

On Wednesday, XX/XX/2024, I received a notification from CashApp requesting that I update my account with either my preferred phone number or email address. I opted to provide my email. Immediately after submitting this information, I received a message stating that my account had been closed due to a violation of the terms of service. Confused by this abrupt action, I contacted CashApp customer support and spoke with a representative named XXXX. Unfortunately, he was unable to provide any specific details about the violation, only stating that the account was closed for violating the terms of service. 

When I inquired further to understand exactly what had triggered the closure, I was told that " CashApp isn't required to provide any reason for closing your account. '' I was then directed to review the online terms of service, which did not clarify the issue. I was advised to file an appeal, which I did. I was informed that the appeal process could take up to 45 days. 

Compounding this issue, I had my XXXX payments, which are typically direct deposited on Wednesdays, sent to this account. My account was closed around XXXXXXXX XXXX before the deposit had been completed. I was informed that the funds had been sent back, leaving me with no access to the deposit. As of the time of writing this complaint, I still do not have access to my XXXX payments. 

Additionally, I had an open dispute with a merchant regarding a refund. The merchant processed the refund, but due to my account being closed, the refund was declined. I am now in a position where my account remains closed without a specific explanation, I can not access my XXXX payments, I have no information on the status of my funds, and a merchant refund was also rejected. 

It is concerning that CashApp appears to be using XXXX  algorithms to monitor and flag accounts, potentially without human oversight. It is critical that companies like CashApp take responsibility for ensuring that accounts are not unjustly closed due to false flags or errors in automated systems. They say they are not a bank but they are able to act, conduct, process and revoke access to funds just like a bank.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to file a complaint formally regarding my ongoing disputes with XXXX, XXXX, and Equifax related to identity theft. Despite my best efforts, these credit reporting agencies have failed to address and resolve the issues on my credit reports accurately. 

XXXX has removed some incorrect information but continues to report inaccurate accounts. When I sent a debt validation letter, they repeatedly claimed the information had been " verified, '' but they have not provided any method or proof of how this verification was done. Similarly, XXXX has issued the same response without offering clear validation or supporting documentation. 

Equifax, on the other hand, has shown a concerning lack of action in addressing my concerns. Instead of promptly investigating or removing the inaccurate information, they have sent me three copies of my identity theft rights without taking any further action. 

Across my credit reports, XXXX, XXXX, and Equifax are reporting inaccurate information, even regarding the accounts listed below. The dates, names, account numbers, and activity associated with these items are all incorrect. 

I have evidence of my identity theft, the disputes filed, and the lack of resolution. I respectfully request that the CFPB review my case and play a crucial role in ensuring that these credit reporting agencies fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not handled quickly and adequately, I will be looking for compensation for the damages caused by the continued reporting of inaccurate information on my credit reports. 

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 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 Equifax 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 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
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc. (WV)

I entered into a contract on XX/XX/XXXX at XXXX XXXX XXXX XXXX with GM Financial. I took classes regarding laws, at that time I realized my contract was an evidence of fraud. Specifically violations of the Truth in Lending act, Louisiana Consumer Laws, and Regulation Z ; involving misrepresentation of finance charge, not disclosing information regarding trust opening or securities, violating the right to rescind. I withheld payments due to the fraud I found in my contract. On XX/XX/XXXX I received a letter from GM Financial regarding XXXX XXXX stating I have until end of business day on XX/XX/XXXX to make payment. I then contacted Louisiana XXXX Clerk of Court for a copy of my finance statement, the representative stated he does not have anything on file for me. I sent GM Financial a letter stating I discovered evidence of fraudulent activity in the origination of the contract that GM Financial received on XX/XX/XXXX they did not respond. On XX/XX/XXXX @ XXXX my was repossessed, which was deceptive of the letter they sent me, which stated I had until XX/XX/XXXX closed of business day to make a payment. I then proceeded to contact GM Financial on XX/XX/XXXX to receive information of where the vehicle was located in order to get my belongings, the representative refused to give information and stated they are not allowed to give out that information. I then continue with legal actions at the time I realized they were retaliating against me for the dispute of fraud found in my contract. I filed a police report for unfair and deceptive business practices with XXXX County Sheriff Department ( Report # XXXX ). They did not have the rights to a vehicle they did not secure.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

They keep reporting to the credit reports I had late marks XXXX XXXX days and XXXX XXXX late marks. I have disputed it with the creditor XXXX  account number XXXX and they are reporting an address that I never lived at which is still reporting to my credit report. XXXX XXXX XXXX XXXX CA XXXX. This account had been paid in full and it says the late payments were from XX/XX/year>.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-08-28
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. (MI)

Dear CFPB Representative, I am writing to formally lodge a complaint against the three major credit reporting agenciesXXXX  Equifax, and XXXXregarding the wrongful and harmful information they have reported on my credit reports. These inaccuracies have caused significant harm to my financial standing and were reported in direct violation of the Fair Credit Reporting Act ( FCRA ) guidelines. 

Despite my efforts to dispute the erroneous information with each bureau, they have failed to correct the inaccuracies, thereby neglecting their duty to maintain fair and accurate credit reporting. As a result, my creditworthiness has been unjustly impacted, leading to denial of credit, higher interest rates, and unnecessary stress. 

Attached to this letter, you will find detailed documentation outlining each violation committed by XXXX, Equifax, and XXXX. These include instances of : Inaccurate reporting of accounts. 
Failure to remove disputed items in a timely manner. 
Reporting outdated and obsolete information. 
Ignoring my formal disputes and not conducting a reasonable investigation. 
According to the FCRA, each of these violations entitles me to compensation of {$1000.00}. As outlined in the attached documentation, the total number of violations amounts to XXXX ( XXXX ), bringing the total compensation owed to me to {$10000.00}. 

Attached, you will also find an invoice totaling {$10000.00} for these violations. I respectfully request that the CFPB intervene in this matter to ensure that XXXX, Equifax, and XXXX rectify these errors promptly and compensate me for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to ensure that these agencies are held accountable for their actions and that my rights as a consumer are protected. 

I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.