davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/ we purchased windows from the Home Depot install service in the amount of {$16000.00}. The purchase was paid for with the Home Depot credit card serviced by Citi Bank. The payment terms were 24 months zero % interest, we made the payments on time. The Home Depot install service installed defective windows that did not pass the XXXX XXXX building inspection on XXXX XXXX XXXX  The Home Depot installation service refused to do the required warranty work and we received a certified letter dated XXXX XXXX XXXX  denying our request for warranty work to repair the windows that did not pass inspection. I filed a dispute with the Home Depot Credit Card company. When the dispute was filed there was remaining balance of {$13000.00} on the credit card and we had a credit balance of {$3600.00} due to us. The Home Depot install service sent a certified letter to me and to Home Depot credit card company dated XXXX XXXX XXXX The letter was addressed to XXXX XXXX that has never been a name associated with me. The letter was filled with many untrue facts about me and my husband so they could prevail in the dispute. When the dispute ended the Home Depot Citi card charged our card an additional {$16000.00} which resulted in a balance of {$29000.00}, the charges are fraudulent. The Home Depot Citi Credit card refuses to remove or allow us to dispute the charges and they told us to talk to Home Depot to get them remove the charges. We also were told by the Home Depot Citi credit card employee to file a complaint with The Federal Trade Commission and file a dispute with the credit bureau. How can the credit card get away with charging us an additional {$16000.00} when we did not purchase any additional items using the card. We are XXXX on a fixed income, this is a total scam that has resulted in financial hardship for our family.
Consumer complaint received 2024-07-25
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. (TX)

I received a payment for goods I sold for XXXX and square took their fee of {$250.00} and have decided to hold my {$24000.00} for no specific reason its been over 180 days and they have still refused to release my funds.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

CFPB Complaint against Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La. XXXX Email Address XXXX XXXX Complaint Against : Midland Credit Management Description of Complaint : I am filing this complaint to aleged that Midland Credit Management is violatin my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation E. Specifically, they are : Attempting to collect a debt I do not owe. I dispute owing any and all debts that Midland Credit Management claims I owe. 
Violating communication restrictions. I am revoking my consent to receive communications from Midland Credit Management through emails, text messages, and calls. 
Failing to validate the debt. I have requested debt validation from Midland Credit Management but have not received it. 
Failing to provide the purchase agreement. I have requested a copy of the purchase agreement between Midland Credit Management and the original creditor but have not receiv it. The purchase order agreement is request Failing to furnish proof of license and bond. I have requested proof that Midland Credit Management is licensed and bonded to collect debt in my state but have not received it. 
Failing to comply with the 15-day response window. The Fair Debt Collection Practices Act requires debt collectors to respond to disputes within 15 days. 
References : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits debt collectors from communicating with you after you revoke your consent : Law about debt collectors contacting you after you tell them to stop?. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires debt collectors to provide validation of the debt upon request : How to dispute a debt. 
12 CFR 1006.34 ( d ) : This regulation prohibits debt collectors from using unfair or deceptive practices : Debt collection FAQ. 
15 USC 1681 s-2 ( 7 ) a : This section of the FDCPA requires debt collectors to respond to your disputes within 15 days : What are my rights under the Fair Debt Collection Practices Act?. 
Requested Relief : I request that the CFPB investigate Midland Credit Management 's debt collection practices. 
I request that Midland Credit Management cease all communication attempts regarding this alleged debt. 
I request that Midland Credit Management validate the debt and provide all requested documentation, including the purchase agreement and proof of licensure and bonding. 
Please note : I am not waiving any of my rights under the FDCPA or Regulation E by filing this complaint. 
Additionally : ID and Proof of address Signature XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I hold XXXX credit card with XXXX XXXX, initially with a {$10000.00} credit limit, which unfortunately reported a single XXXX late payment ( which I am disputing ). Recently, XXXX XXXX reduced my credit limit to {$7100.00}. However, TransUnion is now reporting XXXX separate accounts and XXXX late payments, which is inaccurate. I have raised this discrepancy with XXXX XXXX, but after their investigation, they have not rectified the error to ensure that only XXXX credit card account is reported to the credit bureau.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-03
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, XXXX, and Equifax. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX 

Equifax : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : Federal.

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, XXXX and Equifax has failed to provide the following essential information related to the bankruptcy report : XXXX. The name and contact information of the entity that furnished the bankruptcy information. 
2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-22
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. (MD)

Experian, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and XXXX held in trust i informed them that the are infridging on my rights. I have a FOIA request and XXXX XXXX XXXX XXXX of the XXXX  im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH EXPERIAN XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
Consumer complaint received 2024-05-05
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)

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXX-dismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I was locked out of my account due to their faulty online system. It doesnt offer a way to reset a password without calling and I am unable to make phone calls due to a medical condition. They dont offer email, text or chat contact options so I had to file a complaint with the XXXX  just to get a response. For weeks they kept sending me protected emails with no way to open and read them. 

XXXX finally emailed me directly and told me to go to a branch in person, send a written letter with the account number on it or write a check to bring the balance to XXXX. The closest branch to me is XXXX miles away. Since I cant access my account I cant get the account number, balance or order checks.

I simply want my account closed and they are refusing to honor this request or give me a means to do so that I can accommodate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently pulled my credit report for the first time in a long time and I was totally unaware of these inquiries and never have I applied for anything from these companies. Im very confused and scared.
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$75.00}.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I purchased my XXXX Hyundai XXXX XXXX for {$27000.00} from Hyundai Motor Finance XXXX ( HMF ) on XX/XX/XXXX the check was chased on XX/XX/XXXX. After receiving notification the check was cashed I called the finance company to coordinate the release of the title. XX/XX/XXXX they told me they had sent the title to my home address through XXXX and should receive it within XXXX business days. After a couple of weeks, I still had not received the title so I called back letting them know around XX/XX/XXXX and they told me they would mail it out promptly. I still had not received it after another XXXX weeks so around XX/XX/XXXX I called again letting them know it had not been received and I was informed then that it had been returned by XXXX because the address was not found so they would mail it out again. During this conversation, we confirmed my address once again ( I have received numerous communications from them with no issue previously ) they let me know they would Re-send it. Following this conversation, I checked my mail frequently and after another XXXX weeks, I noted I had still not received it. On or around XX/XX/XXXX I called XXXX, asked to speak to a supervisor, and explained the situation. I was informed they were sorry and would expedite it to me. Since then I have been told many times that XXXX has sent it out but I have yet to receive it. On XX/XX/XXXX I visited the VA XXXX where I learned the XXXX on the vehicle had not been released. Ive not received the title yet and it's XX/XX/XXXX almost 3 months after they cashed my check
Consumer complaint received 2024-05-07
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. (NY)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Received a warning that XXXX different unauthorized credit inquiries occurred with XXXX. XXXX with XXXX and XXXX with XXXX ( both from CapitalOne ). These occurred on XXXX XXXX XXXX 

I have not applied for any new accounts or credit.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the account : XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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. (TX)

XXXX XXXX XXXX XXXX I was never late on the closed account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not show proof please delete the late payments off of my credit report. The late payments are invalid reporting. 

The FCRA allows for 30 days for this to be rectified.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

I booked a trip to get married with XXXX XXXX. They offered me a feature to pay 1/2 now with a credit card and the rest would be paid in installments through XXXX. 

The day after we booked the war started in XXXX. We were advised not to go. I cancelled the trip and was issued the full refund. XXXX refunded me with 48 hrs. CHASE is refusing to refund me the deposit taken in the amount of {$3700.00}. We have gone back and forth for three months. Today they were supposed to have issued a refund. CHASE states they were unable to refund me because XXXX has not sent them the appropriate documents. I have spoken to XXXX that tells me the complete opposite. I have XXXX accounts with Chase and have never been so angry. I plan on cancelling them all. No one is helping me with this {$3700.00} charge. I dont know what to do or who to turn to.