davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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: CITIBANK, N.A. (MA)

The Home Depot/CITI card wrongfully accuses me of making an in-store purchase of 112 cases of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from its XXXX store located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX on Thursday morning, XX/XX/XXXX. However, I never made such a purchase and never took possession of the 112 cases of flooring. Nonetheless, The Home Depot improperly charged my CitiBank card XXXX. XXXX the sum of {$7100.00} and refuses to erase the fraudulent charge. The Home Depot stands by this refusal despite knowing the precise date, time and location of the alleged transaction and the identity of the cashier ( XXXX ) who processed it. The Home Depot also stands by its refusal to erase the fraudulent charge despite its access to security footage that would confirm that I was not the purchaser of the flooring. On XX/XX/XXXX, The Home Depots Security Operations advised me that the missing flooring was picked up by XXXX at The Home Depots XXXXXXXX XXXX store. Later, Security Operations advised me this information was incorrect. I found out later that the flooring was picked up at the time of purchase at XXXX XXXX XXXX. I have proof that I was at work that day and a police report from XXXX XXXX XXXX stating that I was not the person that purchased or picked up the flooring. The Home Depot/CITI is charging me {$7100.00} for a purchase I never made.
Consumer complaint received 2023-06-16
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They Violated the truth and lending act by not disclosing that When I gave them my social security number they went in my trust and took funds out and you have a fiduciary obligato make sure I'm taking care of but they're not and they're still taking money out and they're double dipping With the remittance coupons they fail to accept but cash for their company.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

Dear Consumer Financial Protection Bureau, I am writing to seek guidance and assistance regarding a challenging legal situation involving a debt collection case that has become a significant burden for me. 
The case is located in XXXX XXXX, with the case number XXXX between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My court date is scheduled for XX/XX/XXXXXXXX 
In XX/XX/XXXX, I obtained a personal loan of {$12000.00} to start a business venture. Regrettably, unforeseen circumstances such as contracting XXXX in XX/XX/XXXX and the subsequent vandalism of my store on XX/XX/XXXX severely impacted my business and finances. As a result, meeting the regular loan payments became unmanageable. 
Despite my efforts to resolve this situation, the strain of these unexpected events, compounded by my status as a student, has made it increasingly difficult to navigate the debt collection proceedings. Due to my low income, I am presently unable to afford any payment or establish a payment plan. 

Enclosed, please find supporting documentation, including medical records, evidence of the business downturn due to the pandemic, and documentation related to the vandalism incident. 
I kindly request your office 's guidance, advice, or any available resources that may assist individuals in similar circumstances dealing with debt collection cases. 
Your assistance in identifying potential solutions, providing guidance on consumer rights, or offering resources to address this situation would be immensely appreciated during this challenging time. 
Thank you for your attention to this matter, and I look forward to any guidance or assistance your office may provide. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-12-01
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  Balance : {$570.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc. (UT)

My husband was issued a threat of a judgement being placed against him from Mountain Land Collections LLC in XXXX and we spoke with XXXX in their office, resulting in an agreed upon monthly payment plan of $ XXXX beginning XX/XX/2023. I requested confirmation of this agreement ( 8 times ) and never received it. Then, within days of our verbal agreement, our joint bank account was debited in random amounts for hundreds of dollars, repeatedly. These charges were NOT approved, and after speaking to XXXX XXXX in their office, she confirmed OUR bank account was attached to OTHER files they had and we were paying other peoples debt! She assured us on XXXX this was corrected and again the next day XXXX, another fraudulent charge appears! They are not responding and still have not confirmed our agreement and are still withdrawing from our account, illegally.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I submitted an application for the income-driven repayment plan ( SAVE ) back in XX/XX/2023 with Mohela, who is my loan service provider. Since then, I have called at least once a month to check on the status of the application, because it was not getting processed. I was repeatedly told that it would take around 10-15 business days. On late XXXX, the customer service specialist I spoke with said that for some unknown reason, my application did not get processed, and she sent it to a higher priority list. She said there was nothing missing from my end ; it was a delay from Mohela itself. Again, I was told that this time it would certainly take 10-15 business days. It is now XX/XX/2023, and the application is still under processing. Because of the delay, interest is being accrued on my loan. I have repeatedly asked if there was something missing from my end, and the answer I always received was no. I have done my part since XXXX, and I'm still waiting three months later for Mohela to take care of their end.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I have been trying to get the money back that was took out of my account. For about a year and a half I've been filling claims for reconsideration with no resolution I faxed Police reports proof I was frauded out my money. Out of XXXX I probably got XXXX of it before my card keep getting locked and had to drive to the closest bank of America to get it unlocked and everytime my account would be drained over and over it kept happening Wich put my homeless for almost four months until I moved back in with family... I have hundreds of denial letters for claims, I've sent everything they asked for. They had my account mixed in with someone else in account in XXXX California and I had his claim numbers and I was literally fighting for his claim to be reimbursed His name was XXXX XXXX XXXX. XXXX is XXXX XXXX XXXX. Thank you for your time
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zip Co US Inc. (LA)

According to the Fair Credit Reporting Act, consumer reporting agencies like XXXX and XXXX must treat consumers fairly and respect their privacy rights. As a consumer, I have the right to keep my private information from being shared without my consent. The Act also states that financial institutions have a duty to protect the privacy of their customers ' information. I have not given my consent to these agencies or the financial institution to share my information, so any consent they claim to have is now revoked. The Act also requires that consumers be informed of their right to keep their information private, but I was not informed of this right. Certain items of information are also prohibited from being included in a consumer report without authorization. In conclusion, I am asserting my rights as a consumer to protect my privacy and ensure that my information is not shared without my explicit consent. It is important for all parties involved to follow the regulations outlined in the Fair Credit Reporting Act. 

This account has been reported again without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide any inaccurate information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e states that every consumer reporting agency must have reasonable procedures in place to prevent violations of section 1681c and to limit the provision of consumer reports to the purposes listed under section 1681b. Unfortunately, XXXX and XXXX are not adhering to these reasonable procedures. Furthermore, as per 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am choosing to exercise this right and opt out of your reporting services.
Consumer complaint received 2024-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

I am writing to express my deep dissatisfaction regarding the handling of my tax refund for the tax abatement on my property. Despite providing ample evidence of payment and eligibility, I have yet to receive any resolution or acknowledgment from your company. 

On [ XX/XX/year> ], I contacted your office to address the issue of the outstanding tax refund owed to me. I provided documentation confirming the payment made from the escrow account, as well as proof of eligibility for the tax abatement. However, to my dismay, there has been no progress or communication since then. 

Repeated attempts to follow up on the matter have been met with silence, and my concerns seem to have been disregarded. This lack of responsiveness and accountability is unacceptable, especially considering the significant financial impact this refund has on my finances. 

I urge you to take immediate action to rectify this situation. I expect a thorough investigation into the status of my refund and a clear explanation for the delay. Furthermore, I demand a concrete timeline for when I can expect to receive the refund owed to me. 

I trust that you will treat this matter with the seriousness and urgency it deserves. I look forward to a swift resolution and the timely receipt of my tax refund.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (NM)

Lawyer for the debt collector never served the defendant. Moreover, they only sent a letter of judgement from the court without the judges signature. Upon looking up the case in the state database, there has not even been a scheduled hearing let alone a judgement.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I was informed on XXXX XXXX that I owed a debt to XXXX never did business with XXXX No understanding of what I had to pay for because its not me I would assume that if I had a debt somebody would call me on the phone or write me a letter which none was just that showed up on my credit report trying to Collect a debt on my credit report
Consumer complaint received 2023-04-25
Product: Credit card or prepaid 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: ALLY FINANCIAL INC. (CA)

I rented a car from XXXXXXXX XXXX  company on XX/XX/ and returned it on XXXX XXXX. On XX/XX/XXXX, XXXX stated they released the funds they had on hold which was {$1100.00} Approval Code XXXX from XXXX and the {$200.00} deposit they had on hold Approval Code XXXX also from XXXX. Well, the credit card company said they never received the release of funds from XXXX and now I am out {$1300.00}. Ive gone back and forth with XXXX and the credit card company and Im not getting anywhere. In the meantime, I am having to suffer to pay my credit card for funds that were never returned to me. I am a XXXX citizen on a fixed income and can not afford to have to pay all of this money.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXXBalance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX