davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

- XX/XX/XXXX I made a purchase on my Gap Card through paypal in the amount of {$120.00} - XX/XX/XXXX a refund was processed for the total amount ( {$120.00} ) from XXXX through XXXX. 
- XX/XX/XXXX - I called Gap Mastercard to ask why I am still not seeing the refund reflected on my account. I was told that at some point during the time of the purchase and the time of the refund my Gap Mastercard acocunt was transferred from XXXXXXXX XXXX  to Barclays and these transactions will take 30 days to reflect on the account since it was refunded to my XXXX account number. 
- XX/XX/XXXX -I called b/c the amount was still not reflected on my account and was told it takes 90 days NOT 30 day. 
- XX/XX/XXXX - I called and was told they have no idea where the money is. " call XXXXXXXX XXXX  '' and see if they can help. I called XXXX and was told they are not the account holder. I called XXXX and was told the refund was processed ( I have proof of this ) and called Barclays again. They said they will open an " investigation '' and a supervisor will call me back within XXXX hours. 
XX/XX/XXXX - I called Barclays ( the phone number on the back of my card ). There is no record of an investigation, only records of my previous calls and I should try to call Gap Customer Service ( the store!! ). They do have record of the original transaction but not of the refund, " sorry! '' They said no supervisor available but will call me back.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/XXXX, XXXX money orders and a Payoff Detail loan letter were mailed to Mohela with the intention of paying off one of my loans to close that account. The money orders consisted of XXXX {$1000.00}, a {$620.00}, and a {$500.00} to pay off my loan totaling {$4100.00}. My requested pay off date was for XX/XX/XXXX, and this loan was disbursed to me on XX/XX/XXXX. Only XXXX of these money orders were applied to my loan payment, but all money orders were cashed on the same day, XXXX XXXX XXXX. In XXXX, I noticed that only one payment was applied to my account for {$620.00}, and it wasn't even applied to the intended loan. So 4 of my 5 money orders are currently missing, I asked to submit an investigation to get it sorted out, but after months of calling in to check for a status, there has been no updates and every time I had to give information again and again, it felt as if none of my information was being recorded or being kept track of. The last representative I spoke with, I kept asking to escalate me and she did not ever let me, I don't even think she was doing anything to check on the account until I asked to speak with a higher up. She put me on hold multiple times, probably waiting for me to get tired and hang up, it took a long while. I tried calling back today and now they just hung up on my call, and the wait time is ridiculous to keep calling back over and over again. As of right now I don't know if the matter has been looked into or if they care to check on my account. I don't know what information they are keeping recorded, I submitted images of my paystubs with information on dates, which loan, and when it was supposed to be cashed.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX  has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated 15 USC 1681 SECTION 802 A. STATES THAT I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT PERMISSION AND OR WRITTEN INSTRUCTIONS
Consumer complaint received 2024-01-11
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: AMERICAN EXPRESS COMPANY (FL)

I purchased a XXXX XXXX XXXX dishwasher and professional installation of the dishwasher from merchant XXXX XXXX via their website XXXX  on XX/XX/XXXX. My American Express credit card was charged {$960.00} and the charge appeared on my XX/XX/XXXX billing statement as THE XXXX XXXX # XXXX XXXX FL. 

On XX/XX/XXXX, the dishwasher was delivered and installed in my home. However, the dishwasher that was installed was a black and steel/gray dishwasher that was not the machine I ordered nor did it match the photos of the dishwasher on the merchants website. After the technicians refused to return the dishwasher to the store and re-deliver the correct item we ordered, I contacted XXXX XXXX customer service for assistance. 

From XX/XX/XXXX to XX/XX/XXXX, the XXXX XXXX XXXX led me to believe they had every intention to re-deliver the correct dishwasher which I ordered or refund me for not having received the dishwasher I ordered. However, the merchant refused to re-deliver the correct black dishwasher and did not offer to correct the billing error of {$960.00}. 

I sent credit card issuer American Express an official letter to dispute the transaction since I did not receive the item I paid for as described and photographed on the merchants website. The letter was sent to American Express Billing Inquiries Department on XX/XX/XXXX vis USPS certified mail with return receipt requested and the letter was received and signed for by American Express on XX/XX/XXXX. 

Although the dispute letter contained extensive and conclusive evidence that I did not receive the dishwasher I purchased from the merchant and although it was received by the merchant on XX/XX/XXXX, as of XX/XX/XXXX, the billing error still appears on my credit card statement. The merchant XXXX XXXX did not acknowledge my dispute in writing within 30 days of receiving it as they are required to do so under the Fair Credit Billing Act nor did they complete a reasonable investigation.

Please direct American Express follow the Fair Credit Billing Act by acknowledging my dispute and by investigating the billing error which has not yet been corrected. Please also inform American Express that if they deny my billing error inappropriately or without conducting a reasonable investigation, I intend to file a lawsuit to enforce my rights. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/2023 I purchased a {$250.00} virtual Mastercard gift card code for MyPrepaidCenter, which seems to be managed by Blackhawk Networks. I did receive the card, however, it ended up being locked due to multiple card declines. After calling support on XX/XX/2023, they told me that they needed to re-issue a new card number. When they reissued the card, I received a new link to access my card, however, the link would always error out and say " an error has occurred when trying to retrieve your card, please try again later ''. I contacted support once again and had them reissue me the card again, however, the link they sent still did not work. I ended up asking support to issue me a physical card, however, I still haven't received the physical card.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I recently paid off one of ten accounts in the Nelnet portal on XXXX XXXX. The amount the account owed said {$840.00}. I processed the payment the same day and received an email confirmation that the payment went through. I log in to see an updated amount of {$160.00}, that is now accruing interest. I call customer service and after 40 minutes of being on and off hold, I have to now submit pictures and screenshots of when the account reflected the {$840.00} balance. I was also told that the account was actually over XXXX XXXX dollars, but that is not what their website reflected at the time I processed the payment to completely pay off that specific loan. Where did this mysterious ~ {$200.00} come from???? 
I uploaded my partial picture from XXXX I had of it ; I wish I would've taken a better picture in hindsight, I did not think I would need it as proof for something of this sort, as well as a screenshot from XXXX XXXX  showing that the account was at {$840.00}. I also included the email confirmation I received for the {$840.00} payment I made on XXXX. 
This is absolutely ridiculous.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have been having problems with Experian for months for the same issue. evrytime i try to pay my credit card balances thery keep on decreasing my credit score and always give me excuses for doing so. I have worked so hard to bring my credit score from XXXX to high XXXX and i never have a problem with the other XXXX credit reporting agentsies XXXX and XXXX. It has been a battle and so stressful everytime I have tried to resolve the problem of poor and gross incorrect reporting and have paid all of my accounts on time for decades, incorrect information given by intake personal stating that they have nothing to do what happens with my credit score, and so many times Experian keeps on decreasing my credit score numerous times when I never have a problem with the other XXXX agencies. I would always have to call Experian for everything from reporting my payments, incorrect reporting, and removing hard inquries so many times it has caused so much stress ( see attached documents ) that this company caused me to develope a stress XXXX which I had an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want the XXXX points they decreased numerous times corrected and want to file a claim for {$250000.00} for all the time they caused me to have to much pain and suffering.
Consumer complaint received 2024-01-10
Product: Credit 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 (PA)

Reservations were made for two people to attend a football game at the United States XXXX XXXX at XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX which were later cancelled on XX/XX/XXXX. The reservations were made through XXXX. Synchrony bank posted a charge to my XXXX credit card for {$1100.00} for the dates mentioned and were disputed on the XXXX credit card statement I received. Synchrony told me the charge will be investigated and the charge will be set aside until the investigation is completed. They canceled my old credit card and issued me a new one. They then sent me an email letter on XX/XX/XXXX stating that I was responsible for the charge. I Then called the Synchrony Fraud Unit and talked to XXXX who switched me over to their investigative unit and spoke to XXXX  who told me that it was I who confirmed the reservation. My opinion is they did not bother to call the hotel ( XXXX by XXXX at XXXX XXXX XXXX. in XXXX, New York XXXX ) and ask them if we actually stayed there. If they had, they would have found out the reservations were canceled. I did call the hotel and got copies of the cancellation forms for both XX/XX/XXXX and XX/XX/XXXX. Again, I disputed the charge and was told another investigation would begin. That was on XX/XX/XXXX. On XX/XX/XXXX or XXXX, I received another email letter stating I still owe them the money. I did send them copies of the reservation cancellation forms on XX/XX/XXXX and I have not heard back from them as yet. I am submitting this complaint because I am convinced synchrony is not sincere in trying to resolve this issue. I am XXXX XXXX XXXX and Ive been fighting with synchrony since XX/XX/XXXX. I have always paid the bills that I have legally incurred and I need help in resolving this issue before I get any older.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (GA)

This is a follow-up from complaint # XXXX I updated and submitted information to XXXX and Experian XXXX days ago to reinvestigate the inaccuracy of the account on my report. When checking my report tonight, they sent an email saying that the accounts were updated. I am aware that under FCRA Section 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. During this time, I request that you contact the furnisher of the disputed information to verify the accuracy of the data. In three days, they came back, saying they had updated. See the attachment showing what they just sent.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

XXXX is XX/XX/XXXX. 
This complaint is a new issue that has arisen as a result of a previous issue which has not yet been resolved, where MOHELA has not processed my XXXX application submitted XX/XX/XXXX and acknowledged as received by MOHELA XX/XX/XXXX. As of today that loan is still listed as billing the standard repayments. 
I logged in to Studentaid.gov on XX/XX/XXXX to update my XXXX employment verification and found all my loans listed as ineligible for XXXX  because MOHELA has incorrectly placed my loans into standard repayments instead of the correct XXXX.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a text message from Capitol One that my billing address had been changed. I immediately called them and told them that was not me. The address it has been changed to was in XXXX. Also, the person who called them and pretended to be me requested a second user be added to the account and requested a card me sent to them.I found out the card had already been mailed to the hacker. The guy I talked to told me the name of the person and read the address in XXXX  to me. Of course, it was someone I never heard of. I've lived in my current city for 55 years! Capitol One made me send a copy of my drivers license and Social Security card to them. They changed my address back to the correct address and cancelled the card they had sent to the hacker. The next day, I check on my card. The billing address had been changed back to the hackers address. And the second additional card had been reactivated. I request a hold be put on the card. The next day, the account was reopened! The hackers had called during the night and opened the account again! The guy told me the hackers call at night when calls are routed overseas. When I sent copies of my id's., the hackers grabbed them and were using them to re-open the account. I requested my card be cancelled and the account be closed. I also requested a paper statement be mailed to me so I could pay my final bill. I did not receive the bill after 2 weeks. I called and they told me it was mailed on XX/XX/2023. This was now 2 weeks later. It took another week and a half before I finally got my statement. And they hit me with a {$25.00} LATE FEE which they refused to rescind. I called and said I did not think the late fee was fair because it took them almost 4 weeks to get the statement to me. I found out they had sent my statement to the hackers at the address they kept changing it to. The hackers now had my statement which showed all the places that I had payments automatically paid by credit card. The hackers then used that information to get into some of those accounts. And I had 96,000 points that the hackers used, and Capitol One never returned those points to me. This all started in early XX/XX/2023. I would never use Capitol One!
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (DE)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA l 'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a capital one credit card, but is pre pay ... XXXX dollars from my bank and pay a XXXX dollars limit credit line... ..i use XXXX dollars and pay way before due day and they misslead the creadit sistem ... .i did talk to a employee name XXXX and he was very, very unprofetional... .even say to me ... if i dont like the way the do work XXXX ... ... and i ask what is XXXXand he start smiling like am a stupid ... ..and XXXX, but i dont deserve this treament ... and a few days later the bad report on a credit card pre pay and i pay before due day...
Consumer complaint received 2023-09-20
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: GOLDMAN SACHS BANK USA (FL)

My credit report is showing late payments to XXXX XXXX/XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2024-01-06
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. (CA)

In accordance with the fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Blocked from obtaining credit report, blocked from accessing service to access information entirely, blocked from using dispute filing or all other online services options, no response to requests to remove incorrect debt and collection amounts, such as incorrect credit card debt displaying and blocked from request to correct my credit.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP. (NY)

XXXX has inaccurate information on my credit report about New City Funding account # XXXX stats that I made a payment XX/XX/2019 I never made a payment to the Company in 2019  of XXXX falsely updating information on my report