davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act the creditor, discover has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit as late for any purpose.
Consumer complaint received 2024-02-26
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 (UT)

I had a subscription with Been Verified in order to try and reconnect with some old friends. On XXXX XX/XX/2023 I contacted Been Verified and cancelled my subscription. I was told it would be cancelled but I was free to use it until the subscription I had previously paid for expired. On XXXX XXXX I was billed {$44.00} by Been Verified onto my Capital One Credit Card. I contacted Been Verified and told them I had been billed for a service that I had previously cancelled. They said they would remove the charge. I notified Capital One that I was disputing the charge. I provided evidence that my subscription had been cancelled and that Been Verified 's website showed that I was cancelled the subscription. Capital One denied my dispute without just cause. 
I have since paid off all charges ( including the one I did not authorize ) and cancelled my Capital One card. I am still trying to get my money ( {$44.00} ) refunded.
Consumer complaint received 2024-02-26
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 (OH)

My husband & I went on a cruise from XX/XX/XXXX- XX/XX/2023 with XXXX XXXX XXXX XXXX and prior to boarding we gave them a credit card with a {$3000.00} limit and was also given a substantial amount of onboard credit and casino promotions. 
When we got home we opened their app ( we could not while on the ship because we had no internet service ) and we were charged {$17000.00} on a {$3000.00} limit card. We do not and still not believe we spent this kind of money. We tried requesting a copy of statement with date and time charges but to this day have never received anything from XXXX XXXX XXXX XXXX XXXX who runs the casinos onboard ). Not a call, email, statement with date and time. 
Tried filing a dispute with the credit company and told them exactly what happened and at first sounded like if XXXX XXXX did not reply it was in our favor. Spoke to them at least 70 times and after all these times they stated we could not file a dispute because of the kind of charges they were. We were very honest and up front to what this charges were at first and they were fine with it! You would also think after talking to 70 people, no exaggeration one would know you could not dispute these charges. I have talked to many account managers from Barclay and they all come up with something different. Even some have told me not to pay, this should have never happened and they have never seen it happen where a credit card has gone so far over the limit. Dont believe XXXX XXXX has ever discussed this with Barclay they credit card company. What is odd though Barclay is also the bank for Carnival XXXX XXXX and XXXX XXXX XXXX XXXX credit cards?? So who we were trying to file a dispute with is Barclay 's customer also but a bigger one. Barclay is trying to blame XXXX XXXX for all these charges but I believe the credit card company is the one who denies it when you go over your credit limit.
Consumer complaint received 2024-02-26
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. (NY)

I purchased 3 Visa Vanilla Gift cards totaling {$1200.00} ( XXXX of {$500.00} and XXXX of {$200.00} ). None of the cards worked when I attempted to use them. Not a single transaction was successful and when I called they said the cards were defective and they would have to mail replacements. This call was made on XX/XX/2024. I was promised the new cards would arrive within XXXX business days. This did not happen. I called again on XX/XX/XXXX and they said it would take at a maximum 10 days, which wouldve been the XXXX. It is now the XXXX, and they are not here. I called again today. They kept pushing it back even more. They now say to wait up to XXXX business days. This is unacceptable. I escalated the call to a manager. They said all I could do was wait unless I wanted to cancel that replacement and order a new one, which would just restart this whole process. They are unable to issue a refund or a virtual card to my email address. They said the best they could do is an internal investigation which could take up to 30 days. I refused. I feel as if I have been XXXX  and lied to. I purchased those cards so I could use them right away and Vanilla Gift has taken my money and offered no solution.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grow Credit Inc (FL)

The loan was for the amount of {$37.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I had an XXXX XXXX account which was effective for an overseas customer. 
Citizens bank took my account from them and have no capacity for XXXX XXXX accounts. 
For example I have a new card sent to me To activate card I can do one of following 1 Scan QR code to mobile app. That is impossible I can not download app as an overseas customer. App won't allow download. 
2 Use card at Citizens ATM. There is no Citizens ATM in XXXX 3 Call an American phone number to activate Do you know how long I am on phone and the cost is excruciating So the problem gets worse This account does not allow for me to set up debits nor to transfer money into my other accounts. 
My only means of access to my funds is to go to a regular ATM to withdraw and then put it into an active XXXX account The fee for withdrawal is heavy it costs me {$24.00}. This equates to XXXX XXXX Appalling that I pay to withdraw money and that is only means available to me with this account I can only lift out XXXX pounds from account at a time so more that one transaction results in same heavy {$25.00} loss each time I need bank to transfer this account back to XXXX I need them to compensate me for calls and fee payments which I did not have with XXXX I need them to rectify a new card which can not be activated because this bank has now left me not able to use an ATM which was my only means of retrieving my money if a very expensive one
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I received an American Express Gift card for {$1000.00}. On XX/XX/XXXX I was in the XXXX XXXX in Vermont where I drove up 5 hours from my home to purposely use the card for a weekend trip. When checking out, they accepted the card, but American Express would not relinquish the funds even though I called American Express they verified there was {$1000.00} on the card but would not allow me to use it there. I was in the lobby of the hotel 45 minutes on the phone with them and their answered to me was go use it someplace else. when I got home after having to pay on a credit card I called again and I was told I can only speak to XXXX even though many times I asked for a representative in the United States, hoping that they could help me better. They just continued to tell me American Express. Gift cards are only handled through XXXX. I spent about three hours the next couple of days calling and calling, trying to get this situation rectified and the only answer I keep getting is to use the card someplace else. So at this point I still have {$1000.00} gift card that I got as a gift purposely for my trip. Customer service was atrocious. Many times they put me on hold while I asked for a manager, and then they disconnected me and I had to start all over again. This is no way to treat a consumer using their product.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I lost my debit card and someone used it to make a {$660.00} purchase. I was sent a text message asking if I authorized the purchased, and I immediately responded saying no. I said no several times. The charge still somehow went through and it was approved. I called customer service immediately to deactivate the card, and file a dispute. They denied the dispute, giving me no valid reasoning at all. I even went to the store where the purchase was made, and there was no signature used and no account name was given. I did not make this purchase at all. Capital One is refusing to help me with this transaction.
Consumer complaint received 2024-02-26
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 (CA)

This complaint involves several transactions that has been accumulated with the company. 
We disputed each transaction over the phone. After each long call, the representative did not document the reason for dispute and the company continue to request information from us. It is exhausting to repeat ourselves and spend time over and over on the same matter. We sent out final explanation letter and notified the company that we will not be paying for these transactions. 

Case Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} )
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

The U.S. Department of Education is reporting several accounts amongst various credit reporting agencies that are having a negative effect upon my credit score. I have knowledge that the alleged debt was already settled and/or paid-in-full at the time the respective promissory note was signed. In addition to being the only party that did not provide value and consideration, the U.S. Department of Education, committed fraud by failing to disclose that the aforementioned promissory note that the U.S. Department of Education received for deposit a sum of money. The U.S. Department of Education also failed to disclose the bookkeeping records and/or ledger that demonstrates that they took something of value from their assets to conduct the transaction as an even exchange. 

I have reached out to U.S. Department of Education several times previously for debt validation as documented in the following Case Law studies ; -XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX P. XXXX XXXX ( XXXX ) XXXX  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 XXXX XXXX XXXX According to the Federal Rules of Evidence, Rule 1002 ; an original document/writing/recording is required to prove it's content.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AR)

Citibank is reporting a dispute on my credit report that should not be present. I have asked Citibank to delete the dispute comment and I have asked all credit reporting agencies to remove the dispute. I have asked Citibank to remove the dispute comments. Neither entity will update my credit report comments. Please remove the dispute comments, I am not disputing the account.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX Dear Sirs, My name is XXXX XXXX. My consumer ID number is XXXX. 

There is an inquiry on my account with Regions Financial Corp on XX/XX/XXXX. I have never had any business with this corporation. 

I need to understand why this corporation inquired into my XXXX XXXX  The only way a corporation can inquiry into my account is if I engaged with them to do business. I have never authorized this corporation to make an inquiry. I need to find out why they did. 

Best Regards, XXXX XXXX XXXX ( XXXX ) I sent this letter to XXXX XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

Back in XXXX the same company " XXXX '' informed me that i had a bill out there for {$510.00}. ive never had a XXXX  bill reach me or held services with this company. XXXX reported inaccurate information on to my report. I then had to reach out to each credit bureau seperately and informed them this was identity theft/fraud as i have only ever held accounts with XXXX & XXXX i have never had XXXX. All 3 major bureaus deleted the inaccuracy off of my report. Fast forward into 2024 XXXX has decided to sell this debt to a 3rd party collection Agency in this case " Jefferson Capital '' i am once more having to deal with disputing the same information that was already deleted previously. I am asking for help on having this removed from my credit reporting. XXXX has removed and deleted the collection. XXXX has not deleted after i've disputed. i currently have already submitted a dispute with XXXX and am waiting for results. Once more this exact same company reported misinformation back in XXXX and am now having to deal with this once more. Please update and remove from my credit reporting this is not my account i have a very common name.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (MA)

Several small unusual charges and withdrawals on my account. 
Now I can not even view my transactions to report! There is no customer service phone number and chats use bots that are unable to understand questions or give coherent information. 
Most transactions were $ XXXX but then go up to {$59.00} and even XXXX to an eyewear company for {$170.00}! 
I am also getting weird texts with pin numbers for foreign currency amounts showing my card ending number. 
The XXXX number on the card directs you to email! I understand no physical banks but no customer service is insane.
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( XXXX ) stating that the account has been paid off and closed. 
Transunion report does not reflect this although the XXXX  's does. 
I disputed the situation with Transunion and provided them with a copy of the paid off statement. 
In both cases Transunion found the info about mortgage account as the correct one. It has been already almost 3 months while Transunion can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because XXXX  has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

I sent a certified letter to Jefferson Capital systems requesting a letter of validation. A collection from their company shown up on my credit report XX/XX/2024 and there wasn't any prior attempt to verify the debt via telephone call, mail, email nor social media. I've had the same address, phone number, email and XXXX accounts for several years, so I could've very easily received a notification if a company tried to contact me. I was never alotted the chance to dispute this debt because I was never contacted nor was I aware of the alleged debt.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because Experian has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX someone tried to open a credit card with Capital One under my name. There are 2 hard inquiries on XXXX XXXX which is Capital Ones credit check program and on XXXX. I called Capital One on XXXX and spoke with a representative that said, she did not see a credit card application or the hard inquiries on my account. 
On XX/XX/, I received a letter in the mail that my Capital One credit card application can not be processed until I send my social security number and my ID to complete application. I did not try to open a new credit card with Capital One so Im not sending information and I did not call number on letter because according to the internet the number is fraudulent. 
Capital One Customer Care Team phone # on letter is XXXX. 

Also, note that on XXXX someone tried to open a credit card with XXXX and XXXX posted a hard inquiry.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a payment online for the full statement balance to be paid on the due date. The Payment was not processed by the bank and I was charged a late fee of {$39.00} and an interest charge of {$74.00}. I then received a late notice and made the late payment amount specified.