davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: SYNCHRONY FINANCIAL (KY)

I had a gap visa account with synchrony bank. I had received a call saying there my be fraudulent charges on my account and a letter saying my address had been changed. This was on XXXX. I called to say that I had not made any change of address and that there were fraudulent charges on my account. They would not change my address back to the correct one because they said security information did not match ( my address hasnt changed in 15 years ). They also told me that I needed a statement to dispute charges. I had called three times to dispute the charges. The statements were sent to the new address, so I had nothing. After my bill was past due the company called and changed my address back to what it should have been without any security information. I finally received a statement on XX/XX/XXXX. I called synchrony about the charges, the charges total XXXX. On XX/XX/XXXX I called and spoke to XXXX who said that a fraud claim would be started and I would not be responsible for those charges. I called back on XX/XX/XXXX to check the status of the claim and they said they had no information on a claim. I was then transferred to XXXX in the fraud department who said that a claim was started and I should get a letter with the outcome in 90 days. I called back on XXXX and the charges remained on my account. I then sent a letter to the company explaining my situation. I called back on XX/XX/XXXX and spoke with XXXX who told me that within 60 days I should have a letter on charges. I have not received any letter. Synchrony bank has transferred that portfolio to XXXX now. I was sent a statement from XXXX for the amount. I called them and they said due to the time frame they could not do anything with the charges. The lady from XXXX joined me in a call to Synchrony to try to resolve the issue but Synchrony said there was nothing they could do about it. They have no record of my account because all information was given to XXXX.Please help me. I did continue to pay off the charges I had made, because I didnt want it to hurt my credit. Thank you In the attached files, those charges with marks beside them are ones I did not make. The address on the statement is also not my address.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I.C. System, INC has not only violated my right to privacy, but has also threatened to ruin my reputation by reporting the collection to national credit reporting agencies. They are not the original creditors and should not be threatening to report this collection on my credit report.
Consumer complaint received 2024-12-03
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. (VT)

On XX/XX/XXXX, I purchased goods from XXXX totaling {$520.00}, including a glass reptile tank and a ceramic heater. Initially, the items appeared functional, but upon use, they became damaged and unusable. The glass reptile tank cracked during normal use, and the ceramic heater developed damage, making both items unsafe along with the small accessories inside and of what was cheap quality which I made to XXXX clear I was uninterested in. 

According to XXXX return policy : Our return policy is simple if you are not 100 % satisfied with your purchase, you can return it to any of our XXXX or XXXX  XXXX  XXXX stores or to one of our XXXX warehouses within 60 days of purchase. 

However, due to the hazardous condition of these items, I was unable to return them in-store or by mail. I contacted XXXX for a refund, but they refused to issue one. 

I subsequently filed a dispute with Citibank, which was closed on XX/XX/XXXX after I missed an email requesting additional documentation due to a notification failure in their app. Despite providing the necessary details later, Citibank declined to reopen the case. 

XXXX ( Case # XXXX ) acknowledged my concerns but only offered replacements or store credit, which I declined as I no longer trust the quality of their products. Given the unusable condition of the items and the circumstances, I believe I am entitled to a full refund. 

I have made every effort to resolve this issue with both XXXX and Citibank and request further assistance to obtain the refund I am owed.
Consumer complaint received 2024-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

To whom it may concern, I am writing to file another formal complaint regarding the fraudulent student loans that have been affecting my credit history. Despite numerous attempts to resolve this issue, it has not been addressed or rectified by your institution.

I have recently discovered that there is a significant increase in the student loan account balance, from {$2500.00} to {$2500.00}. This sudden and drastic change has had a detrimental impact on my credit score, as well as my financial stability. I have never taken out any student loans, and it is clear that these loans are fraudulent and unauthorized.

I have contacted your institution multiple times to address this issue and have requested that my name be removed from these fraudulent accounts. However, no action has been taken to resolve this matter. I believe that this negligence is a deliberate attempt to harm my credit and financial well-being. 

I am deeply concerned that your lack of action is due to discrimination based on my XXXX XXXX XXXX As an XXXX woman, I feel that I am being targeted and unfairly treated by your institution. 

I demand that immediate action be taken to remove my name from these fraudulent student loans and to rectify the damage done to my credit history. I also expect a thorough investigation to be conducted to determine how these unauthorized loans were taken out in my name. 

Failure to address this issue promptly and adequately will result in further legal action being taken against your institution. I urge you to take this matter seriously and to rectify the fraudulent activity that has negatively impacted my credit and financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-02
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: ALLIANT CREDIT UNION (FL)

YOUR COMPLAINT Complaint was previously submitted by my wife, XXXX who IS, notwithstanding the institutions assertion to the contrary, a subsidiary cardholder. 

Previous complaint was CFPB # XXXX XXXX did not respond to the substance of the previous complaint. 

The previous UNANSWERED complaint reads as follows : XXXX, XXXX XXXX, agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of XXXX ( XXXX ) case of defective/damaged flooring material and XXXX ( XXXX ) cases of new, unopened flooring material. When I arrived to deliver the XXXX cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the XXXX ( XXXX ) unopened cases of material. I filed a dispute with XXXX XXXX for the one ( XXXX ) case of damaged material that was not refunded by the merchant. I supplied XXXX representative with a full email chain wherein the merchant agreed to take back ALL XXXX cases of material and provide a credit therefor. XXXX is a small fintech-type issuer and outsources their credit card operations to a company called " Co-Op '' After providing all the information to Co-Op and XXXX I XXXX a provisional credit for the {$68.00}. Subsequent thereto the provisional credit of {$68.00} was REVERSED. Upon seeing the reversal of the provisional credit I contacted XXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant claims they " already '' agreed to provide a refund. When I explained to the CO-OP representative that the merchant credit was only for XXXX ( XXXX ) not XXXX ( XXXX ) cases of material, the CO-OP representative said that there was nothing he could do and became defensive and rude. 
I requested documentation showing I received a full refund for all XXXX cases. Request denied. I subsequently contacted an XXXX employee in XXXX 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all XXXX ( XXXX ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been XXXX, perhaps out of spite, so I can not effectively monitor the account. However, I can see my account using the XXXX mobile app.
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In accordance with the fair credit Reporting act Convergent Account # XXXX has violated my rights twice. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-08-23
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. (TX)

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX  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 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION (IL)

To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Consumer complaint received 2023-01-12
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: KINGS CREDIT SERVICES (CA)

The debt was sold without being contacted in regards to. I was told from the school that the tuition would be covered after so many XXXX of being enrolled. The tuition then was sold off to the debt collection agency with no signature or verification of debt/ ownership. I spoke to the debt collection agency on various occasions and asked to not be contacted, however a debt collector called my telephone and left a voicemail to resolve the debt. I have expressed on numerous occasions the nature of the debt alongside with disputing it with the credit bureaus it's invalidated.
Consumer complaint received 2023-05-28
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: U.S. BANCORP (NJ)

I was charged XXXX for an order with XXXX XXXX XXXX from XX/XX/XXXX which was never received by me. The retailer directed me to open a dispute with the credit card company and promised that they will make a record and not contest the charge. I opened a dispute with Elan Financial Services and explained what happened. I received XXXX provisional credits- XXXX for XXXX and XXXX for XXXX, totaling XXXX. Recently the credit for {$81.00} was reversed. I contacted Elan Financial Services and they made the false claim that I said that I received the package. They also said that they sent out a form that I need to return. I reiterated that the package was not received and gave them my address for them to resend the form. No form was received and instead the second portion of the credit in the amount of XXXX was reversed as well.
Consumer complaint received 2024-09-17
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability ton obtain credit .It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate XXXX XXXX XXXX account number XXXX
Consumer complaint received 2020-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am trying very hard since my divorce and some major medical issues to get my credit cleared up. For some reason Equifax doesnt seem to work like the other credit companies. This week 2 companies agreed to removed 2 old debts from my report. Instead of points going up they went down. The other companies they went up. Please tell me why that one would go down 16 points.

I am trying to move on with my life and buy a home. 2 steps forward 5 steps back. Please help.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

paid XXXX for a procedure that was done incorrectly and caused injury and damage. the payments was split up between my chase debit card and two medical. credit cards went into chase in person to dispute. i had all of my documentation. i also submitted documents showing that one credit card had already credited my account and that I was disputing the false advertising and misrepresentation of the services. chase put in the dispute and took my documents on Tuesday XX/XX/2021.i was told that i had 5 business days to submit the second opinion medical letter stating that the procedure was done incorrectly .the 5 business day would have meant i had to have the documents in byXX/XX/2021. i was given a fax number to send the documents and a claim number. however 2 days letter i received a letter from chase stating that the dispute was denied because the charge was authorized. the dispute was for misrepresentation and false advertising of services, not an authorization dispute. also it was under the 5 business days and i had already paid XXXX to see an additional doctor to get the second opinion letter. when i called they stated the claim was denied because it was past 60 days. when i told them that i received a letter stating something different i was hung up on. when i called back they said claim closed and they would not accept any additional documents. i asked if i was just supposed to take a loss of XXXX. the representative stated yes!
Consumer complaint received 2022-06-15
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 reporting act XXXX XXXX account number 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.
Consumer complaint received 2019-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

-I had 10 unauthorized transfers out of my Chase Bank checking account totaling {$49000.00}. Starting on XX/XX/2019 thru XX/XX/2019. The transfers were carried out via the XXXX system. The money went to a XXXX XXXX according to the notes on my statement. I had not heard of XXXX at the time and when I go online to my account it says I need to sign up for it to use, which I have not. I have never heard of XXXX XXXX either. No one else has access to my account. 
I was never notified by Chase that I had signed up for XXXX nor of any of the transactions as they occurred. 
-I notified my Chase branch on XX/XX/XXXX or XXXX and they helped me file a complaint for investigation. Chase credited me the {$49000.00} back, but later reversed that and took the {$49000.00} out of my account. They said their investigation showed that the transfers were made by my device. They provided a IP Address ( XXXX ) which belongs the XXXX XXXX XXXX which is not my ISP Provider my IP Address is XXXX. Chase doesn't seem interested in this information and their fraud department forwards me to a call center that just tells me my claim has been denied. They won't provide me with any more information, such as where the and who the money went to. 
-I have banked with Chase for over 30 years and have borrowed amounts in the low 7 digits from them ( albeit some years ago ) in my business endeavors over the years, so I am not an unknown entity to them. 
- I filed a police report XX/XX/2019 with the XXXX Police Department XXXX XXXX when Chase denied the claim, as I originally thought it was just a mistake. 
- I run a small business with 6 employees and it is not unlikely that we will shut our doors as a result of this loss.
Consumer complaint received 2023-01-06
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

There was a XXXX XXXX account opened not by me XXXX XXXX. I nevered received any mail or card from this company until I pulled my report and seen the account on there. I called several times sented several letters also complaining to CFPB FOR THE 2ND TIME. This account is only showing on 1 credit bureau which the other 2 found that the account was not mines or coming back variefied. I asked for verification and they sending me billing statements nothing with my signature on it or a photo copy of my id.