davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is a follow-up to a previously submitted complaint ( Complaint ID : XXXX ) that was closed based on the response provided by Capital One. Since XX/XX/2022, Capital One has restricted my checking and savings accounts, holding the funds, based on a claim of suspicious activity that they were allegedly investigating. Since receiving communication in the form of an email on XX/XX/2022 regarding these actions, I have been unsuccessfully attempting to contact Capital One, including the Customer Protection Resolution team I was referred to. During this time period I have continued to receive paper statements from the bank showing the available balance on the accounts as if the funds were available while the online portal shows that the accounts are restricted and the funds can not be accessed. 
I filed the above referenced complaint in XX/XX/2022 and Capital One responded on XX/XX/2022 with a letter citing the account disclosures agreed upon at the time of account opening ( which XXXX obviously aware and familiar with ) and claiming that their records confirmed transaction activity that goes against the terms and conditions which resulted on a restriction being placed on the account on XX/XX/2022 with an investigation into the account. They also indicated that the account was part of an ongoing investigation but a decision was made to terminate the relationship and that once the investigation was over they would mail any funds owed to me via check to the mailing address on file. The letter included a phone number and available times to contact the sender for additional information which I have unsuccessfully attempted at various time intervals within the timeframe provided. I have left voice mail messages at the number provided since early XXXX when I received the letter and for over two months have yet to receive a callback. The letter was submitted as a response to my initial complaint and was signed by XXXX, on behalf of Capital One. 
I am submitting a second formal complaint against Capital One for this matter as they have violated my rights as a consumer and should be held accountable for providing valid and complete information on this matter. Attached are the communications I received from Capital One including the letter they submitted to close the initial complaint filed.
Consumer complaint received 2020-08-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- XXXX XXXX 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$720.00} -This is not my account.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2020-08-26
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: CITIBANK, N.A. (FL)

I have a loan with CB/XXXX, XXXX XXXXand XXXX/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/XXXX, XXXX XXXXand XXXX/CBNA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (DC)

I have had an American Express Every Day card since XX/XX/XXXX and my original credit limit was {$4000.00}. In XX/XX/XXXX, my credit line was increased to {$8000.00} and my income in XXXX was {$38000.00}. On XXXX XXXX I made a large purchase in the amount of {$2000.00}. I used a special promotion that allowed me to spread that transaction over 18 months with no interest and no fees. The promotion was available through XX/XX/XXXX. After that transaction I had over {$5000.00} in available credit. On XXXX XXXX I attempted to charge an addition amount of {$2000.00} and the transaction was declined. I checked my mobile account immediately and it showed over {$5000.00} in available credit. The card was declined a second time. This time, when I checked my account it showed {$430.00} in available credit. I was told that my account had been reviewed and that my credit profile and income no longer supported my credit limit and my limit had been lowered to {$3200.00}. My current income is {$45000.00}. On XX/XX/XXXX American Express sent me a letter saying that, based on my recent payments ; my credit limit has been restored to {$8000.00}. American Express did this because they did not want me to have use the special promotion with no fees or interest for the second transaction.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC appears on my credit reports for an account that went into collection. I contacted them to pay the debt and was told they sent the account to a law firm called XXXX XXXX XXXX  XXXX and gave the contact info for them. I contacted them and paid the $ XXXX dollars that was owed. I have a letter from XXXX XXXX XXXX XXXX proving I paid in full and owe nothing else. I also received a letter from the Magistrate Court in my area showing the case they filed, but never went to trial, has been dismissed with prejudice meaning they can not attempt to sue me in the future due to the fact that I paid. Now, about a month later, Midland Funding LLC is reporting a debt of {$180.00} referencing the same account number. I called Midland Funding LLC and spoke with a " Mr XXXX  '' ( script name for sure ) and asked why are they still reporting an unpaid debt and where did this amount come from? He said its being handled by another dept and attempted to transfer me. After being on hold for about 10 minutes, Mr XXXX came back on and said that dept has left for the day and I should call back the next day before XXXX ; XXXX. I keep getting the runaround from this company. They never attempted to contact me about this {$180.00}, This seems pretty strange to me since I paid in full and have a letter stating such. And I have a letter from the court saying this has been dismissed SINCE I PAID. If Midland Funding LLC feels that I still owe them {$180.00} why dont they send a letter or a bill? No, they just go straight to the credit report. I feel like Midland Funding LLC is attempting to extort money from me they are not owed. They are holding my credit report hostage. Im disputing the debt with the credit bureaus but we all know how that goes. It takes some time. This company does not want people to get out of debt. And in fact they ignore a judges order of dismissal.
Consumer complaint received 2020-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (UT)

I borrowed {$500.00} last XXXX from this company called Integra Credit. They of course quickly went through all their many terms, but never sent me a copy.

I have made payments in the amount of {$1200.00} and just submitted another payment today for the " missed payment '' in the amount of {$79.00} to be processed within the next few days.

I shouldn't have had any missed payments since they are being automatically withdrawn on my paydays. What seemed to have happend when I looked at my bank was they tried to withdraw the payment right before my direct deposit went in on my pay day. My bank of course also charged me a return ach fee when it happened. Integra Credit then proceeded to call me every single day, twice a day, about this past due payment. It was harrassing and especially disruptive since I work during the day. 

I just logged into their website and it says I still over {$340.00}. I feel like it is fraudulent for a loan company to make over a thousand dollars in interest on a {$500.00} loan.

I tried calling and asked the customer service rep if she would close my account. She put me on hold for about 10 minutes to get a manager, then told me they would call me back, however they have not. 

Can you please help me?
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reached out to Capital One to pay my debt and was told they sold it to : XXXX XXXX XXXX attorney in California. I did some research and found out that they filed a lawsuit and submitted for a judgement without my knowledge or serving me. I attempted to contact this company 11 times over the course of the month and they dont return my calls, and the two times the secretary answered I said I want to pay my account she said shed transfer me to complete and hung up. They are falsifying information and not accepting payments to increase fees fraudulently. I made several high-level folks at capital one aware so they have full knowledge with the following email to which I have yet to receive a response : ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of Capital One corporation. The email below : I was a credit card holder for almost 10 years and still have a capital one Bank account. short backstory during the economic downturn a few years ago I unfortunately could not pay and my credit card charged off. I am however getting things back together and called Capital One to make payment to cure my debt however it was sold to a company called : XXXX XXXX XXXX attorney. I've made multiple attempts to speak with them with no success. I included their yelp review because a company like this is bringing down your brand as a company to do business with. I was told this company does not respond ; they wait it out to collect additional fees and practice very unethical behavior when consumers are attempting to make good. I am asking you for help. Please recall this account from them and let me pay it directly. Also review their XXXX reviews attached and see how their unethical practices are tarnishing Capital One 's reputation especially with minorities as it may be better to look at a company that actually returns phone calls. 
I have also included my account number and phone number for response. Thanks in advance https : //XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name : 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 2020-08-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/20 XXXX Bank of America After standing outside in line for half an hour, from XXXX until XXXX I entered the Bank of America XXXX in XXXX XXXX , CA to withdraw money from my Unemployment Debit Card issued by Bank of America . 

A lady ran up to me and told me to leave the bank immediately. She sneered at me " You can't just go in there! There is a line! '' I pointed at the safety markers and explained that there were 3 empty safety markers for me to go to since I was behind the customer in front of me. She asked to me leave the bank. I started to leave and then said but I've been standing behind that lady for half an hour in line. I asked the XXXX  customer in front of me if anyone said anything to her when she went in line. No one said a word to her. 

I was then berated and yelled at by a teller named XXXX who told me " You should just go to your bank! Whatever you are trying to pull here but you don't have an account with Bank of America. '' I asked : " What do you mean " whatever '' I am trying to pull here. I have handed you my Bankof America card and my driver 's license and you are yelling at me and being hostile. '' She told me that I was not a Bank of America customer and that I needed to go find another bank. She specifically said : " There are a bunch of banks around here, if you need to withdraw money you should be doing it at your own bank. '' Then I said ; " Wow this is the most hostile enviroment for a bank that I have ever experienced. '' Then she said : " What did you say! You shouldn't even be here! '' So I asked to speak to a Manager and she just rolled her eyes and sat there for about 3 minutes refusing to get a manager. I had to ask to speak to a Manager 5 times to get her to begrudgingly get a manager. She then told the Manager right in front of me : " This lady just wants to complain. '' Earlier when I asked to convert the $ XXXX plus account to a BofA account, she said that I needed to just " go back to whatever bank you go to and they can withdraw all your money and put it into that account ''. 

I repeatedly asked her to stop being so rude and hostile to me. I was shaken and teary eyed by the time that I spoke to the Manager. I have never received such hostile treatment and refusal to open a new account for a customer holding a BoFA debit card with a BofA account that gives me a statement every month. 

I wish that I did not have to mention that I am XXXX but I am. And the way that I was spoken to and treated was deplorable. The entire experience has left me shaken and wondering if it is legal to discriminate against and be abusive to customers. 

The Branch Manager was very apologetic and seemed sincere. She however explained that the BofA EDD debit cards are not real accounts but also did not offer to ipen an account either. 

I went across the street to XXXXXXXX XXXXXXXX  and they gave me a cash advance and offered to open a bank account for me immediately.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  Balance XXXX and XXXX XXXXXXXX balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.
Consumer complaint received 2022-10-23
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. (GA)

On XX/XX/2022, I mailed a certified letter to the US Bankruptcy Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.