davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

My wife and I went on a XXXX cruise in XX/XX/scrub>XXXX  2023 and she bought jewelry in the amount of {$3500.00} from XXXX XXXX on board the ship XXXX XXXX. We were offered and took advantage of a promotion on the XXXX XXXX credit card where we were offered 12 months same as cash. When we returned from our trip we received our first invoice which showed an amount of {$5000.00} showing an overcharge of {$1500.00}. This was appealed immediately but rejected ( I am still in the process of appealing this overcharge. ) The overcharge was not authorized, and we have no idea where it came from. I have attached the jewelry invoice from XXXX jewelers along with the first bank statement showing an overcharge. I have called and discussed with both XXXX and XXXX at least seven times with no resolution. I have confirmed the amount that was charged from the vendor, XXXX, who confirmed that the proper amount of {$3500.00} was charged. 

I have attached a marked-up invoice of all credits and charges on the cruise. You will notice the charge of {$3500.00} from XXXX XXXX, but no other charges that are {$1500.00}- which we did not approve in the first place. 

I am very frustrated with this situation as this has been going on for over six months and has not been resolved. I have been given the run around on this with no solutions and hope you can help.
Consumer complaint received 2024-01-20
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. (NY)

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.

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 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Fool me once shame on me mentality here. This will be my 4th complaint about my PSLF counts not being updated in a timely manner. I wait a reasonable time period for MOHELA to update my counts, they dont. I file a complaint. I wait unreasonable amounts of time for them to address my complaint. During that excessive waiting period, my counts get updated. MOHELA responds stated my counts have been updated, case is closed. Im learning I need to file these complaints earlier. Until I am given the timeline MOHELA has from the Department of Education to update counts, I can only assume my counts are being updated only due to these complaints.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

Higher education XXXX XXXX transferred two different accounts to XXXX. At the time of the accounts closing, they reported these accounts to the credit bureaus as me owing {$2600.00} on both of the accounts. Those accounts from XXXX were closed XX/XX/XXXX. The two accounts were originally opened XX/XX/XXXX & XX/XX/XXXX. I do not remember these accounts. 

The new company XXXX is reporting different numbers to all three credit bureaus and also stating I am missing payments on some. But they are reporting to others I am in good standing paying every month. In addition to that, XXXX, who opened these accounts XX/XX/XXXX, 4 days after the accounts were transferred and reported. XXXX decided to add money to each account at different amounts. 

Here are the starting and current amounts on all three bureaus, the closing number is the same across the board, XXXX said I owe {$2600.00} per account. 

XXXX is reporting : XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} XXXX Account 1 : {$3600.00} Account 2 : {$3000.00XXXX XXXX Account 1 : {$3700.00} Account 2 : {$3000.00} These numbers have been reporting different since this started. I have disputed and nothing happens. On XXXX I have not missed a payment, on XXXX I have missed 100 payments. 

XXXX closed the accounts and now they have been consolidated to one account on XX/XX/XXXX. But the amounts are not even correct. You can not add over {$1000.00} in interest in one month and not explain it. I disputed these and nothing was changed.
Consumer complaint received 2024-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed a charge in the amount of {$570.00} to XXXX XXXX XXXX on XX/XX/XXXX. This amount was for a ac/heater service plan for maintenance in the spring/summer and fall/winter. I filed the dispute on XX/XX/XXXX after trying for months to contact XXXX XXXX XXXX to have our ac/heater maintenance completed. 

I provided all of the information to Capital One. On XX/XX/XXXX Capital One closed the dispute saying I was responsible for the charges. When I spoke with them on XX/XX/XXXX I was advised it was clear by my documentation that I did not receive the services, however, I did not file my dispute timely therefore it was closed. 

I asked at least XXXX times for the representative to point to the section in my service agreement that provided dispute filind deadlines. She was not able to do so. She only pointed me to this page https : //www.capitalone.com/help-center/fraud-disputes/dispute-credit-charge/ This page states the following : If you can not reach a resolution with the merchant, your best chance of resolving the dispute through Capital One is to file a claim within XXXX  days of the date of your billing statement. Let us know as soon as you can so we can dispute the charge on your behalf. 

I advised this statement does not say you are required to or your claim will not be reviewed. It states your " best chance. '' I asked how I was supposed to dispute a service in XXXX  days if the service wasn't supposed to be provided for months. She said well that's the policy. No that isn't the policy. 

I wish for Capital One to review my dispute and credit back accordingly as they are in agreement that the services where never received and not hide behind a policy that does not seem to exist
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

I, XXXX XXXX, am formally writing this complaint to the CFPB because I, XXXX XXXX, am having issues getting SYNCHRONY BANK to perform an investigation into existing inaccuracies reported in my consumer reports. I, XXXX XXXX, have reason to believe that there is some form of miscommunication or misunderstanding because SYNCHRONY BANK refused to do an investigation into the inaccuracies, I had brought to their attention through a written notice of dispute around the date of XX/XX/2024. SYNCHRONY BANK assumed that I, XXXX XXXX, was a credit repair company. I, XXXX XXXX find this hard to believe because I sent them a proper written notice of dispute, ID, the last XXXX digits of my social security number, my email, and copy of my consumer disclosure report from XXXX XXXX XXXX, and the nature of the inaccuracies that need to be investigated. This complaint is to ensure compliance from SYNCHRONY BANK. There was a follow up letter that was recently mailed to SYNCHRONY BANK as a result of the perceived misunderstanding.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CA)

I filed a dispute for two {$500.00} charges and one {$1000.00} charge in my account because I had gotten scammed. The scammers sent me a check through the mail which cleared through my bank for two whole days which prompted me to believe it was a real check since the balance of my account reflected that. I filed this dispute on XX/XX/2024 and has been calling for any updates since no one has tried to contact me for any proof of the event and then I got a letter in the mail around XX/XX/2024 saying that I am not eligible for a reimbursement because my account reflected the transactions. First of all, I just opened my CitiBank account not even a year ago ; in fact I did not even have a XXXX account under the bank account until the same day I sent the money to the scammers. Second of all, I have never sent such large chunks of money out of my account ever since I opened it. And lastly, I have never received a check larger than my normal paychecks of {$1000.00} deposited into my account. I have explained the situation to multiple agents and they would promise to connect me to an agent but then they would hang up and I would have to call again and redo the entire thing. No one has ever reached out to me during this entire " investigation ''.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

EQUIFAX, XXXX XXXX  XXXX all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an alert that my credit score was hit with a hard inquiry on XXXX XXXX For Capital1. I didn't apply for an additional Capital1 card I have XXXX. 
I had already contacted Capital1 because the last inquiry that I did make hit my credit and lowered my score by XXXX points, which is outrageous then upon using the card it hit my score for an additional XXXX points and also XXXX more points because my balance increased. When I reached out for an explanation I was told someone would contact me and I have not been contacted. 
I am very upset because that is over XXXX points to my excellent credit score making it now a fair score ... and now this Help
Consumer complaint received 2023-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX made a mistake and had my legitimate accounts by Capital One flagged as Fraud. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to Capital One to resolve this issue. On XX/XX/XXXX after speaking with XXXX with Capital Ones Fraud dispute application department and was once again told that XXXX will need to contact capital one and acknowledge the error since I never disputed the accounts in question.
Consumer complaint received 2024-01-28
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. (FL)

I am writing to formally dispute certain inaccurate information on my TransUnion credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initially contacted TransUnion regarding the discrepancies, and to date, there has been no response from them. The following details the inaccuracies and the necessary corrections : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Please remove this account from my credit report as it does not belong to me. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance is inaccurate. I dispute the amount and intend to contact the creditor directly to address the issue. Please mark this account as disputed until a resolution is reached. 

XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX High Credit : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$75.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove this account from my credit report as it does not belong to me. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please mark this account as disputed. I am unsure about the reported balance and dispute the past due status as the account is closed and XXXX. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please mark this account as disputed. The reported balance appears higher than my records, and the past due amount is not applicable as the account is closed. I intend to address this directly with the creditor.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (OH)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was subject to check fraud on XX/XX/XXXX for {$9100.00}, XX/XX/XXXX for {$4500.00}, and XX/XX/XXXX for {$5000.00}. I submitted a fraud claim to Citizen 's Bank on XX/XX/XXXX ( Case XXXX ). Since then, Citizen 's Bank has been refusing to investigate the fraudulent check cashed on XX/XX/XXXX for {$9100.00}. Consistent attempts over the past year and half to contact their Fraud Department to understand they are refusing to investigate the fraud. I was told that their investigation required a response from the bank where the fraudulent check was cashed at ( XXXX XXXXXXXX XXXX ). However, after Citizen 's did not receive a response from XXXX, Citizen 's closed the investigation and told me to reach out to XXXX. The other 2 fraudulent checks for {$4500.00} and {$5000.00} were investigated and amounts were returned to my account, despite all 3 checks being submitted for fraud within the same case reported on XX/XX/XXXX.
Consumer complaint received 2024-01-30
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)

my name is XXXX XXXX, and i am XXXX  years of age i have been a victim of identity theft for over 15 years, i have the proper and supporting documents supporting my claim on identity theft with fraudulent accounts opened in my name fraudulently. i have enclosed the etc report along with the police report with the name and account numbers of these fraudulent accounts.
Consumer complaint received 2024-01-20
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. (MD)

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. 

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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.
Consumer complaint received 2024-01-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (MI)

Recently I XXXX XXXX applied for an FEB/DESTINY credit card and was denied an extension of credit by FEB/DESTINY. On XXXX XXXX, I applied for a FEB/DESTINY credit card. As you may be aware, it os against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2024-01-19
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. (FL)

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.

has violated my rights. Or a 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first 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 XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX