davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. 

Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. 

In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. 

My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me.
Consumer complaint received 2023-09-22
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The {$8.00} late fee limit law was finalized on XX/XX/2024 and Capital One ( scammers ) charged me a {$28.00} late fee on XX/XX/2024. They are included in companies the law applies to. I called them on XX/XX/2024 to rectify this and was told they couldnt refund the fee. I then brought the new law to their attention, asking if they planned on crediting me the extra {$20.00} they charged me since the late fee limit is {$8.00} and they acted like they never heard of the law even though it comes right up on XXXX and Im sure theyre required to know of the laws that affect them.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (WI)

Subject : Formal Complaint Against Experian Information Solutions Inc. for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian Information Solutions Inc. for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description.

Despite my dispute submitted on XXXX Experian Information Solutions Inc. has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Experian Information Solutions Inc. adheres to the FCRA. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-30
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: BARCLAYS BANK DELAWARE (NJ)

To Whom It XXXX Concern, I am writing to dispute a charge on my Barclays credit card for a rental car from Enterprise. On XX/XX/2022, I rented a XXXX from the Enterprise location in XXXX XXXX, NJ. 
I called XXXX the day the car displayed brakes needed to be checked and to stop driving. The manager said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. 
I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of Barclays for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX Original creditor FIFTH THIRD BANK NATIONAL XXXX Date opened XX/XX/year>XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This not my account i was a victim of identify theft
Consumer complaint received 2023-12-01
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. (GA)

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.

Account Name : XXXX XXXXXXXX Account Number:XXXX 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 XXXX XXXX XXXX which antedates the report by more than XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC (FL)

Flagship Credit Acceptance You do not have my permission to share my personal information with any agency or consumer reporting agencies I demand you remove this inaccurate information immediately Correction to my credit report, I demand this account be removed from my credit report
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/2023 I wrote Equifax to request old/inaccurate addresses be removed from my credit report. The only address that should be reporting is XXXX XXXX XXXX XXXX, MD XXXX. It's been well over 30 days and they have done nothing. I also sent identifying documents and a bank statement to verify my current address.
Consumer complaint received 2023-11-01
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A statement was received from Capitol One and paid in full as per the statement amount. 
The following month I received an additional interest charge when I paid in full the balance on the last statement prior to the due date. 
Capitol One said they charge interest even when the balance is paid in full as it is revolving. I paid the full balance per the statement prior to the billing cycle due date, therefore no further interest charges can be incurred.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX I initiated a balance transfer for {$1700.00} through my XXXX XXXX  credit card. I asked to move the balance from my Chase freedom XXXX XXXX to my XXXX XXXX XXXX. After waiting XXXX weeks I noticed we still had a balance of {$1700.00} on my Chase credit card. But had an active balance of the same amount in my XXXX XXXX  account. I called Chase and asked them why the fund had not been removed. They advised they never received the funds. After several phone calls with both Chase and XXXX management, XXXX advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to Chase. XXXX provided me with a trace ID to give to chase. XXXX I then returned a phone call to Chase and they told me they XXXX. Can not track credit card transfers with a trace ID and XXXX. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted XXXX and asked that since they recalled the funds they credit my account and cancel the balance transfer. I received a temporary credit to my XXXX credit card during the investigation process but was returned that credit on XX/XX/XXXX. I sat on the phone for XXXX hours with XXXX bank XX/XX/XXXX and was told the funds were sent to Chase and until they can recall those funds I will owe them a balance. I have tried everything I can think of to get this issue resolved but to no avail. Both Chase and XXXX management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts. 

Upon speaking to a Chase XXXX a final time she adv that if the money was sent to the wrong account ( even though my name and information was attached ) they can not find, reverse, or provide any information on the funds. My name is not on the account number we did a balance transfer for so it makes no sense to me why Chase would honor or accept it.
Consumer complaint received 2023-12-01
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXX  ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS BARCLAY ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND XXXX AND XXXX REPORTING
Consumer complaint received 2023-10-29
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. (WA)

I paid off my XXXX card. They are still not reporting it as paid off in full and closed, despite disputing it with the credit bureaus. They responded back to Experian that there was still a balance when there is not.
Consumer complaint received 2024-05-09
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 (PA)

On XX/XX/XXXX I ordered jeans and white shirts from XXXX XXXX with a total of {$320.00} and it says it was delivered but when I check my camera footage no package came and when they sent a picture of the porch it was deliver it wasnt my porch I put the order number in the picture below
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERIS BANCORP (SC)

This is a Constuction to Permament Loan Product. On the initial closing of the loan ( before construction started ) the closing attorney presented a " Construction Permanent Loan Term Acknowledgement '' to sign.Attached XXXX FILE. This disclosure is part of the closing documents. 

This disclosure clearly stated that if there is a delay in the construction of the house beyond 12 months, the bank will charge 0.25 % of the loan amount as fees for a 3 month extension. The disclosure refers to " modification of the note ''. The word NOTE typically means and was interpretated as the Amount, term and interest RATE.We had clearly asked the attorney if that means the interest rate as well and he had clearly said yes. We had also asked, why the bank representative was not pesent for the closing. 

After 12 months, when the home construction was delayed the bank took the stance that the disclosure is NOT referring to the interest rate but only to the construction phase. And to lock the interest rate, the fees would be 0.5 % of loan amount per month of delay of the loan modification ( construction to permanent ). This amounted to a difference of about XXXX dollars versus XXXX dollars in fees for a 3 month delay. The closing attorney agrees with my interpretation of the disclosure but the bank disagreed and insisted that interest rate lock is not referred in the disclosure. 

When asked why there is no disclosure or mention in the many pages of the closing document about any possible fees with regards to interest rate lock, the bank had no answer.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED (OH)

In XXXX of 2022, I started the application process for XXXXXXXX XXXX XXXX XXXX It is funded through COVID relief funds and applied from the Ohio Housing Finance Agency. I made a payment of my own on XX/XX/2022 and I have the statement from my bank showing it cleared my account. I also have documentation from XXXX XXXX XXXXXXXX where they have sent payments to my mortgage company. However, when I sign into my mortgage service website, it shows no payments for XXXX, XXXX or XXXX. It did finally show two in XXXX. However, due to the mortgage servicer and or the mortgage company failing to properly apply the payments received, my mortgage now shows late, and they have placed several derogatory marks on my credit report.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I contacted ChexSystems and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (PA)

I got a loan which paid off my car loan from my previous company and gave me XXXX dollar loan cash however the lady who went over all the number with us was wrong about the amounts and my old company XXXX in XXXX XXXX  is saying that the new loan company ( mariner finance  in XXXX ) sent them a check for the car however the amount was short XXXX and we left mariner with the understanding that we could use the loan money for a purchase we needed and now we are having to take that XXXX out of the XXXX loan and that will make us short for what we needed
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-05-10
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 (CA)

Complaint against Barclays bank for illegal behavior regarding a filed dispute. 
Company has a dispute team located in XXXX whose service is unprofessional and violates my consumer rights here. 
Dispute is with XXXX XXXX XXXX XXXX ( XXXX XXXX ) a CA based company. 
Purchased a leather sofa using a Barclays credit card. Item was delivered damaged. 
Contacted company who refused to replace the defective item Contacted Barclays credit card company- filed a dispute for a charge back. 
Barclays illegally denied the dispute -displayed unfair consumer treatment and violation of the Fair Credit Billing Act.

Requested re-opening of dispute but bank refuses to act in contravention to the Act.
Consumer complaint received 2024-01-01
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.