davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (NY)

In XXXX of 2021 I purchased windows from Home Depot, and opened a Home Depot credit card which offered 24 month interest free financing. 
I originally decided on the grid style which cost {$11000.00}. A day later I changed the style to the no grid style which cost {$10000.00}, which is {$1300.00} less expensive. I was given a change order amendment form which documents this change along with the difference in price. 
When I received my first credit card bill, it showed my starting balance as {$12000.00} which is not the {$10000.00}. adjusted purchase price. 
I have called both the contractor, and XXXX credit services several times to not only correct the discrepancy, but to explain to me the charges, which they can not. They simply tell me what they see on the screen. 
They requested my proof of the change order amendment document which I faxed to them on XX/XX/2021 via a XXXX store. After no response, I contacted them again, and they said to wait and someone will be in touch. No one did. 
As the 0 % interest period was coming closer I wanted to transfer my remaining balance to a new card, so as to avoid the impending interest charge. But in doing so would mean paying off this incorrect balance which is obviously ridiculous. 
So after more attempts to resolve this matter, I am still to this day - stuck with a credit card balance that is incorrect, as well as an additional $ XXXX in interest that they are now charging because the 24 month interest free period has expired.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

When trying to make my payment for XXXX, the website is not working. Ive called 6 times and continue to get no where. All representatives tell me that the IT department will call me. After 2 weeks of trying, Ive still not received any help or resolution. I NEED TO MAKE PAYMENT SO I DONT INCUR INTEREST CHARGES. Ive spoken to XXXX XXXX, XXXX, etc. No one at Chase will help or fix the issue.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I filed an application for a loan refinance on XX/XX/XXXX. Today is XX/XX/XXXX. Every question has been answered on more than one occasion. Everything has been documented in full with no reasons for such a delay or adverse results. The appraisal on my home was nearly twice the amount requested for refinance. I believe that due to my age at XXXX I am being adversely selected against due to the 15 year term of the requested loan.
Consumer complaint received 2024-02-16
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP. (FL)

Back in XXXX of XXXX, I already knew I was going to have an issue with employment, so I called 21st Mortgage to see if I could possibly give back the property in lieu of payment. I was told that they can not do that. I informed them that XXXX 's payment may be late due to possibly being unemployed come XXXX. The rep said its ok as long as I make some kind of effort to pay the mortgage. XX/XX/XXXX, I get a phone call from 21st Mortgage telling me I have until XX/XX/XXXX to pay XXXX 's payment. I explained I had yet to find another place of employment and was working on not only paying them but other bills owed as well. XX/XX/XXXX I get a phone call asking what I could pay. I said I didn't have it yet. I was then asked why didn't I ask family members for it. I said I didn't have that option and asked if there was a way to put the owed amount on the back end of the mortgage or some other financial hardship option. The rep became rude and Proceeded to tell me that she could talk to her manager. Manager gets on the phone and proceed to be disrespectful towards me. I heated at this point. Manager then says since I was refusing to pay that they would repossess the home. Payment wasn't even 30 days late and she was already threatening repossession because I was " being rude, acting like a child, and unwilling to be responsible and pay on a vacant home ''. I hung up angrily ( I cussed her out ). I've refused to answer emails and calls because when I tried to complain about my experience to their customer service department, I was told 21st Mortgage doesn't have a complaint department. Gee, I wonder why? I finally received a last check from my previous employer ( I'm still looking for work ) and attempted to pay them XXXX 's payment. The rep was immediately rude to me ( as though previous conversations with the other reps were personal ), and told me until I answer whether or not I have an attorney I can't make a payment. I advised I was just trying to make a payment. The rep parroted me and said he was just trying to get an answer to his question. I'm flabbergasted by the rudeness of everyone I've spoken to at 21st Mortgage. No professionalism from any of them. It's like because I was XXXX off with a previous person I apparently deserve to be disrespected from now on and talked down to.
Consumer complaint received 2024-02-16
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: Winklevoss Exchange LLC (NY)

This has now happened twice and has prompted me to come to the CFPB. I have only ever disputed 3 charges. Only 1 ( less than {$5.00} ) has been accepted. The other two were denied and have caused me nearly {$240.00} in fraudulent charges that I had to pay for. 

1st time, dispute filed XX/XX/XXXX : I had XXXX charges from a restaurant I went to. The second charge was exactly 20 % larger than the first. Both were at the same restaurant on the same day. I was clearly double charged by the restaurant. My claim was denied and I did not get anywhere with customer service. I did not keep my receipt and learned my lesson. I did not have evidence to dispute it.

Now, the 2nd time : I filed two claims in XX/XX/XXXX for two charges that occured on the same day. I noticed them and immediately cancelled my card. One was a fraudulent charge for a video game that I did not recognize. The second was for a car wash in Ohio. I live in NY and have never been to Ohio. Gemini accepted the dispute for the videogame and denied the car wash charge. The explanation I was given was that they did not find the charge to be fraudulent. They said I can submit any evidence to dispute it. How would it even be possible to have evidence of something I did not do? I requested their information that was used to make this decision. This was over 2 weeks ago and still has not been provided. Customer service is not helpful and says that they are not involved in the claims and can't tell me anything that I haven't already been told. 

I really like this card but I clearly can not use it if they don't provide me any protection. It is by far the worst customer service and consumer protection of any credit card I have ever had.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (NV)

MANDARICH LAW GROUP, LLC IS ATTEMPTING TO COLLECT XXXX REFERANCE # XXXX FOR XXXX XXXX XXXX, XXXX. I NEVER HAD A CREDIT ACCOUNT WITH XXXX, AND REFUSE TO PAY THIS BOGUS BILL. I'M ON XXXX, AND MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS, AND WISH FOR THEM TO CEASE TRYING TO CONTACT ME.
Consumer complaint received 2024-03-30
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. (DE)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-06-06
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2023, it has come to my attention that XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that RESURGENT/LNVN FUNDING has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, AccountXXXX, 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 an account without my written instructions.

This is a fraudulent account ; I did not open any account with this company.
Consumer complaint received 2024-06-21
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: ENOVA INTERNATIONAL, INC. (TX)

A hard I inquiry from NetCredit was put on my report on XX/XX/year> for XXXX. There wasn't supposed to be any hard inquiry plus the portal said I was approved and then email said I wasn't.
Consumer complaint received 2023-08-09
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. (RI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy 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 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 XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-30
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. (NJ)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I had a roommate move in and send me first month rent via chime app and note I do not have a chime account. terms in chime terms says no account no prob. you will get a notification to direct funds to a external account if you did not have a chime account. and was waiting for the notification never got it.. finally after some time on the phone we find that there is a account linked to my phone number so how with chime and the money is in this account in someone else name I have no idea about my phone is a government issue phone number and should not be linked to this any account except XXXX XXXX XXXXXXXX XXXX.. chime refuse to talk to me because I don't own an account and elevated it to fraudulent activity I assume since I don't own account I am the one that would be viewed as fraudulent I in no way have any interest in this a d I just want my money i havea impeccable criminal record and only minor traffic situations this is something they should not even question sence they can clearly see in tgeir system any help wolith this would be appreciated ty
Consumer complaint received 2023-12-27
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. (NC)

Equifax failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. XXXX XXXX is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. Equifax, XXXX XXXX, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$670.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : * Account Number : N/A * Original Creditor : XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX Original Balance : {$XXXX} * Current Balance : {$XXXX} * Date Opened : XX/XX/year> * Account Status : Collection ( XXXX )/ Derogatory ( XXXXn ) XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and TransUnion, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and TransUnion, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while TransUnion does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

{$620.00} XX/XX/XXXX expressing fraud and asking for help..No response. I have been disputing for yrs. 
XX/XX/XXXX nothing.. 
XX/XX/XXXX asking to prove the debt..nothing I even did a consumer complaint..this account FRAUD..not me