davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to dispute the interest charge of {$56.00} that appeared on my statement dated XX/XX/XXXX. I hold the Capital One Quicksilver credit card, which I acquired in XXXX during a promotional period that included cash back and a specified duration of free interest charges, either 12 or 15 months ( exact term not recalled ). 

My concern arises from the fact that, upon the conclusion of the promotional period, I was charged an interest fee without receiving any prior notification. Despite calling Capital One customer service twice to seek clarification, I have not received any satisfactory resolution. I would like to outline the reasons for my dispute : 1.Lack of Reminder : Throughout the promotional period, I did not receive any reminders via mail, email, or any other communication method informing me of the impending conclusion of the promotional period. While I routinely receive statements reminding me of payment due dates, the absence of reminders about the promotional period 's conclusion seems unfair to consumers. 

2.Difficulty in Recall : It is challenging to remember specific dates from a year ago. Had I been made aware that the promotional terms were ending, I would have proactively paid off the entire statement balance to avoid incurring an interest charge. 

3. Lack of Information Accessibility : Despite my efforts to find information on Capital One 's website and app regarding the expiration of promotional terms, no such information was available. This lack of transparency makes it difficult for consumers to stay informed about the status of their promotional benefits. 

4. Discrepancy in Customer Service Responses : While I encountered a similar situation with another credit card provider ( XXXX XXXX ), their customer service promptly addressed my concern, waiving the charge and refunding the amount. Capital One 's customer service, however, did not provide a comparable resolution.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I HAVE ACCOUNT WITH BANK OF AMERICE ( P.U.A ) UNEMPLOYEDMENT WITH FUND ON IT SINCE XXXX IT IS NOW XXXX OF XXXX THIS I BEEN HAVING PROBLEM WITH ACCOUNT FOR A XXXX XXXX XXXX  SOMEONE HAD GOT A HOLE OF MY ACCOUNT AND STOLE MY MONEY OFF IT AND WHEN I FOUND OUT AND DID A CLAIM TO GET MY MONEY BACK THEY TELL ME THAT I NEEDED TO VERIFY MY IDENTITY SO I DID THAT I EVEN RICH OUT TO UNEMPLOYMENT TO HELP ME WITH THIS MATTER BUT BUE TO THE FACT THAT THEY DO NOT WORK WITH ( B.O.A ) ANY MORE THAT COULDN'T HELP ME I EVEN FILE A POLICE REPROT ON THE MATTER I EVEN HAD ( P.U.A ) ISSUE ME A LATER TELLING THAT TO ISSUED ME MY MONEY THATS ON THE ACCOUNT BUT THEY TELL ME THAT CANT HELP ME ..I SEND THEM ALL THE PAPER WORK I HAD SO THAT CAN HELP ME BUT STILL NO HELP. I THEN LOST MY APARTMENT SINCE ALL THIS MY KIDS HAD BEEN PLACE WITH MY SISTER BECAUSE I COULD NOT FEED THEM ARE HAVE A PLACE FOR THEM TO LEAVE MY BOYFRIEND GOT KILLED I COULD EVEN PAY FOR HIS FUNERAL BECAUSE I CONT GET TO MY MONEY..I NEED MY MONEY SO I CAN FIND A PLACE FOR ME AND MY KIDS ..PLEASE HELP ME
Consumer complaint received 2024-07-04
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. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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: SYNCHRONY FINANCIAL (AZ)

XXXX I purchased a XXXX XXXX XXXX XXXX XXXX  card for {$4200.00}. XXXX uses an authentic guarantee program that the card was sent to prior to coming to me. When I received the card, it was the incorrect card and another card. I contacted XXXX who did their investigation and confirmed that I was sent the incorrect card. XXXX had requested that I send back the card that I received in order to process my refund. I sent back the card which I have proof was delivered to them and then I didn't hear anything from them for over 2 weeks. At that point I opened a dispute with synchrony bank and a day later XXXX advised me that their ticket was closed as soon as I dispute the charge with my financial institution. Long story short, I have disputed this charge more than 6 times and have not had any luck getting the amount of {$4400.00} overturned. I have provided proof of delivery, confirmation that they received it, emails from XXXX advising them they they were going to provide my refund, emails from XXXX apologizing for the inconveniencie. I am approaching my wits end with this as they have turned down my dispute again as of recent and this is a large purchases. I need help getting this dispute over turned. I have lots of documentation that I have provided synchrony bank and I am happy to provide that again.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

Did a balance transfer from XXXX credit card to wells fargo for {$2200.00} which was apparently written from XXXX XXXX XXXX and some info may have been incorrect but wells fargo cashed check and never applied to my account. No one would help put in XXXX After about 6 different calls to 6 different numbers I finally got someone I'm corporate office to put in claim. Once assigned a claim rep I explained I would not be able to get a copy of canceled check for a minimum of 10 days because it had to be requested and mailed from other company. They said as soon as I get it to send it in but they canceled and closed my case. I sent in information via fax and email same day I got notice of closed case because I finally just got it mail and I've called 3 times and no call back and no one looking to find my money from balance transfer. They basically have stolen my {$2200.00} and not applied to my account leaving my account overdrawn since they cashed check XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (OH)

I the consumer never signed a wet ink nor electronic signature with company Aidvantage also know as maximus, XXXX commission file number XXXX. I called the company to get an overstanding as to why they are reporting to all three credit agencys about loans that were discharged. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their childrens education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education records. When a student turns 18 years old, or enters a postsecondary institution at any age, the rights under FERPA transfer from the parents to the student ( eligible student ). I never gave written authorization consent to have my school records given to non affiliated parties, and Aidvantage is a non-affiliated party, I told Aidvantage to send me forensic documentary evidence to validate there claim, they then sent me a copy of the MASTER PROMISSORY NOTE/AKA THE SECURITY, which is clearly a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I bought a few {$500.00} visa gift cards issued by incomm. Most worked but 3 do not work. I have called for many months starting from XX/XX/year> to activate the cards. But incomm keeps giving me the run around. They are claiming the cards are compromised. I have them here physically. I have emailed them all the documents many times. I have attached the documents here too. But they keep saying to resend the documents to an email address that does not work. 

This email is not valid XXXX. You can try and you will see that it bounces back. 

Please activate these 3 cards XXXX XXXX XXXX I attached pics of the original cards and the replacement cards along with my ID
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CATHAY BANK (CA)

XXXX weeks ago, I applied power of attorney for my uncle. I provided all the paperwork with my uncles signature that notarized. XXXX week later, they said they need my uncle come himself. So I provided my uncles admission report. XXXX week later, they told me they need the doctors signature. Then I provided the doctors signature when my uncle entered the hospital. XXXX week later, they told me, the doctor didnt explain why my uncle cant come himself. I asked them to send me a email to explain what they needed. They didnt respond to me over XXXX week. Obviously, they want to make things difficult. If they give me answer through email, I can ask the attorney to call them. But they did respond. I have no choose except complain at here.Thank for reading.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited a check that my mother endorsed to me. The check was placed on a hold. We were advised of the release date of XX/XX/XXXX when the release day came the funded were still on hold with a new release date of XX/XX/XXXX and now XX/XX/XXXX. When asked for an explanation they stated they are waiting for validation of the check. We have done everything to prove the validation of this check but the bank just keeps extending the hold with any explanation. We even asked for the transaction to be canceled and that we will pay the chargeback fee.and still nothing. They have had the check since XX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VEROS CREDIT, LLC. (FL)

Veros Credit XX/XX/2019 XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WI)

My student loans were switched to this company, They havent mailed me a bill or welcoming packet. I was able to figure out from the DOE who my loan was through and everytime I talk to them they demand I create an account on their website. 

It seems very suspicious that they wont outright mail me a bill and instead demand I log in with my computer, I assume so they can get all my information or even just browser information.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (OK)

Between XXXX and today there have been various emails and phone calls to Upgrade/XXXX XXXX XXXX XXXX XXXX  freeze my account. They have stopped responding and will not provide me an update on when funds will be released. I get paid bi weekly and there have been two paychecks deposited in to this account while it has been frozen. Both checking and savings are closed and they wont even let me transfer the money to the credit card I have with the same bank. Theyre ignoring me and have not been helpful on a resolution
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted the credit bureaus on XX/XX/2024 to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-06-18
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: GOLDMAN SACHS BANK USA (GA)

I am writing to request that you reopen my previously disputed charge dated XX/XX/year> for the amount of {$180.00}. I understand that my initial dispute was not successful, however, I believe there are crucial aspects of the situation that warrant further investigation. 

The reason for my dispute is not simply dissatisfaction with the product or a refusal to accept a return. My claim centers on allegations of fraud and misrepresentation on the part of the merchant, XXXX  XXXX. Specifically, the item I received was of a substantially lower quality than what was advertised and represented during the purchasing process. 

I have made multiple attempts to resolve this matter directly with the merchant, but they have been unwilling to provide a satisfactory solution. Due to their unwillingness to cooperate, I believe a thorough investigation into my claims of fraud and misrepresentation is warranted. 

Thank you for your time and consideration. I look forward to your response. 

Dispute Case Number : XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone number. One loan company performed an investigation and quickly concluded that it was absolutely fraud. XXXX refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion failed to respond to your dispute within XXXX days 15 USC 1681i ( 7 ) You believe this violates specific provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( 5 ) 15 USC 1681i ( 6 ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Trans Union for their failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, Trans Union has violated the provisions of 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( 5 ), and 15 USC 1681i ( 6 ) by failing to respond to my dispute within the required XXXX - days Transunion you received my letter XX/XX/year> and never responded to my notice. 
Trans Union 's failure to respond to my dispute within 15 days is a clear violation of the FCRA. Specifically : 15 USC 1681i ( a ) ( 1 ) : This provision requires consumer reporting agencies ( CRAs ) to investigate and respond to disputes within 15 days. Trans Union 's inaction directly contravenes this requirement.

15 USC 1681i ( 5 ) : This provision mandates that CRAs follow reasonable procedures to assure maximum possible accuracy of information. By failing to investigate my dispute, Trans Union has not adhered to these reasonable procedures. 
15 USC 1681i ( 6 ) : This provision outlines the specific information that must be included in a CRA 's response to a dispute. Trans Union 's failure to respond at all constitutes a violation of this provision. 
Supporting Case Law [ : XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ] These cases establish that CRAs have a legal obligation to promptly investigate and respond to consumer disputes. Trans Union 's actions in this matter directly contradict the established legal precedent. 
Requested Relief I request that the CFPB investigate Trans Union 's actions and take appropriate enforcement action. I also request that Trans Union be required to : Investigate and respond to my dispute in accordance with the FCRA.

Correct any errors on my credit report.

Provide me with written notification of the results of their investigation.

Conclusion Trans Union 's failure to comply with the FCRA has caused me significant harm and distress. I respectfully request that the CFPB take swift action to address this matter and hold Trans Union accountable for its actions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
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. (OH)

My information was illegally bought and sold because of the Equifax Data Breach. I now have two default judgements against me and this companies illegal actions has cause me to not be able to get loans and my credit is ruined and because of these defaults my banks accounts are drained and I can not work. I filed a complaint with you a few days ago and Equifax has irresponsibly " checked with the creditors '' and of course the creditors say oh yeah, you work for us so keep this illegal activity on his report because we want him and his kid to starve and be homeless so we can further get rich. 

I want all of the negative marks and illegal hits on my credit removed immediately and they are not doing so. Please help me so I can have a normal life like those who have not been illegally violated by equifax and predatory scam artists who buy junk debt that I didnt even know I have. I have more lawsuits coming up and I need help because equifax was irresponsible.