davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received documents stating that bank of america closed my two checking accounts and two savings accounts on roughly XX/XX/23 due to some undisclosed fraud. I was told I should receive the funds within 4 business days. However, my paycheck was direct deposited on XX/XX/23 so it seems that my account is still active. I am awaiting information on how to receive the remainder of my funds, close to {$3000.00}, but I keep getting the runaround.
Consumer complaint received 2024-01-03
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. (MO)

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

For four years, I did not know a child existed, let alone was mine. In XXXX of XXXX, I found out I was a father and I was put on child support. On top of my current child support that was ordered, the courts applied back child support for the years I missed birth to age XXXX. My monthly payments are around {$470.00} a month. This was to start in XXXX of XXXX by wage garnishment. So every month about {$230.00} every two weeks is deducted from my wages and applied to the total of this new child support bill. With the garnishment in full effect, I have not been late or missed any payments. However, the company reports missed payment every month since XXXX of XXXX. I have notified them of this three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) in writing and once over the phone. Every time I am told this is accurate with no further explanation. I have contacted the credit bureau and I have documentation of them saying the information was fixed by them but the company keeps re-reporting it. This is ruining my life and plans that I had. My credit score has plummeted and I am barely able to get through life.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (OH)

I called US Bank XXXX XXXX customer service on XX/XX/2024, XXXX EST about a rewards question on my US Bank XXXX XXXX credit card. I noticed that after XX/XX/2024, all my XXXX Pay transactions only got 1X points, instead of 3X as shown on their card benefits. The guy who picked up the call was extremely rude insulted me for not understanding English and asked if I needed a translator ; he was even happy with me bringing this case up. Clearly, US Bank is not only messing up with its reward program, but also discriminating against minority groups.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (TX)

On XX/XX/2023, I transferred the sum of {$3000.00} through WorldRemit Corporation in one transaction to be collected by a family member and, another {$900.00} in another transaction to be deposited in XXXX equivalent into my account in XXXX Mind you, I have transferred money to the same recipient through WorldRemit on multiple occasions. 

On XX/XX/2023, I got a message from WorldRemit asking me to provide more information due to regulatory requirement. I gladly complied. I responded to all their questions and attached my bank statement and my pay stub from my employer as requested by WorldRemit. 

On Thursday, XX/XX/2023, I received a message from WorldRemit that they deposited the sum of XXXX XXXX ( The equivalent of {$900.00} at the time ) into my account in XXXX. However, no money was deposited into my account. Even as I write this message on Tuesday, XX/XX/2023 at XXXX XXXX XXXX no money has been deposited into my account in XXXX XXXX I have checked my account several times, I have called my bank several times, no money was sent into my account. My bank said I have to call WorldRemit. 

From that point I did not hear anything from WorldRemit again. I called their customer service so many times. I ended up hanging up the call after 45 minutes on the phone with recorded message looping around and no human to answer my call. I was lucky to get a hold of their customer service after a very long hold yesterday, XX/XX/2023. I spoke with XXXX who said she had sent the case to the refund department to cancel the transaction and refund my money. 

I woke up to a message from WorldRemit this morning informing me that they suspended my account because I did not respond to their request for additional information. You can imagine how shocked I was to that allegation because their message actually came as a reply to my message where I supplied them with all the information they requested from me, and I also attached my bank statement and my paystub to the message. I replied their message and I told them that I responded to their request and I provided the documentation they asked for. 

As at this morning, I could no longer assess my WorldRemit account, and there is no information from WorldRemit as to the refund of my {$3900.00}. To my amazement, I tried to call their customer service number, only to realize that they have blocked my phone number, so I could not reach them on my phone. I had to call use my daughter 's phone to call them without any problem, though nobody answered the call. As you can see from the attached documents, WorldRemit has not paid me for the transfers that I made, and they have not refunded my money. 

No one to call, no one to complain to. This is fraudulent practice and I don't even know how they are still able to maintain their license as a financial institution.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (HI)

My credit report is showing late payments to XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A XXXX Mortgage contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (MO)

I was unaware that this debt even existed. It's through Paramount recovery and I had insurance at the time. I've spoken to my insurance and they said they were never billed for this debt. So I called Paramount recovery and they stated that once it's in collections insurance won't cover the debt. I'm very upset because I had insurance to pay this and I was never contacted about it now they say I'm liable and it just isn't fair or right that I have too. It's counting against me.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (UT)

I have been getting repeated phone calls from this company. This morning a man pulled up to the house, it was a scary situation, jumped out of his car asking for the occupant of the house. I dont know who he is but i was able to have a quick glance at the paper he was holding and it showed QCS. It occured to me i had seen that name appear on my phone. He left and waited in his car for a while and drove off. I was shaking and not sure who he really is that came to my house. he looked dangerous.
Consumer complaint received 2023-08-22
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: Fidelity National Information Services, Inc. (FNIS) (CA)

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 U.S.C 1681. Has Violated my rights. 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 XXXX  Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 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 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was attempting to move money out of my capital one account to my account with XXXX XXXX XXXX ( XXXX ). I was trying to move {$1.00} m in order to secure a better interest rate and benefit from a preferred savings rate. On XX/XX/XXXX when I initiated the transfer the website informed me that I could only move an amount less than $ XXXX. I then initiated a transfer in the amount of $ XXXX. I was informed that this transfer had been accepted. Shortly afterwards I initiated a further transfer in the amount of $ XXXX. Subsequently I received an email from Capital One saying that my transfer did not go through. When I contacted customer care they informed me that my transfer limit in any 30 day period was $ XXXX. There is no information to this effect when I made the initial deposit into Capital One. I subsequently made a new transfer of $ XXXX which did not go through and I received an email from Capital One stating that my account had been frozen due to 'unusual activity '. My husband and I then contacted Customer Care and spoke with XXXX Employee number XXXX, who informed me that she would need to create a three way call with XXXX in order to verify the ownership of my account. We offered to have our account manager call XXXX but she stated it was company policy that she make the call and XXXX join. We gave XXXX the number, made the call but it seems to be also the policy in XXXX that any call must be initiated from their side. When this option failed, we asked XXXX how we could verify our account and unfreeze the funds. We offered to scan and email a copy of our XXXX bank statement but she said they could not accept this, they only dealt on the phone. We then offered to bring a physical copy into a bank branch. She said this would work. Unfortunately, I have discovered that Capital One have no branches on the XXXX XXXX and I would need to take a plane to the XXXX XXXX in order to satisfy this request. I am extremely worried as there appears to be no way for me to verify my account, my funds are frozen in a bank with minimum FDIC cover and I am losing substantial amounts of potential interest on a daily basis. I am also worried as the later transfer request for XXXX was accepted even though the earlier request for a transfer of XXXX was 'flagged ' as unusual. It seems to me that Capital One 's response has less to do with the protection of my account and more to do with maintaining their balances. 
In summary - Capital One have provided no solution to my problem and my accounts are frozen because they have neither the interest or the method to allow me to unfreeze my accounts.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Hi, I downloaded an app called Wise ( transfer wise ), known as Wise Payments Ltd, its an multi currency and money transfer company, I opened an account and topped up {$21000.00} NZD, and on XX/XX/2023 I tried to transfer {$21000.00} to my own bank account, they just closed my account without notice, now I couldnt login to my wise account, and couldnt reach any of their customer service from the wise company, Ive been waiting for almost two months, still no one solving the problem and refund my money. I really need your help get in touch with them and get my money back, its all of my savings, many thanks!
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

The issue is regarding Venmo. Venmo suspended my account for the reason of " suspicious activity '' on XX/XX/2023. Venmo will not help you on the phone in regards to a suspended or frozen account. They only use email for these matters. My behavior on Venmo has not changed and is not against any policy from what I've read. I have always purchased Crypto in my Venmo account for well over a year. Venmo does not respond or help in anyway nor have they given any specific reasons as to what the suspicious activity was according to them. All the money in my Venmo account is mine and it is over {$5100.00}. Venmo did respond to my first email on XX/XX/XXXX. The email stated youqr account will require further review and we will get back in touch with you. Venmo has since NOT responded to several follow up emails. Venmo is holding and not letting me get or have access to my {$5100.00} and is causing severe financial and emotional hardship. These type of practices in the financial industry should be outlawed and the consumer should not be put in these situations when it comes to a money transfer company. Holding funds without cause, consumer can't do anything for 180 days because of a bogus " user agreement ''. They are the type of predatory practices where the companies doing this sort of thing should be brought to justice.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX I was denied an extension of credit by Capital One Bank when I applied for a Capital One credit card. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Capital One Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Capital One Bank. 
1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Capital One Bank should consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/2023 I ordered two XXXX brand batteries from an online advertisement for {$99.00} from XXXX. On XX/XX/2023 they shipped me two no name brand batteries. This was a fraud. The company wont return my voicemails demanding a refund. I paid thru XXXX which charged my account at Union Bank. On or about XX/XX/XXXX, I tried to dispute the charge with XXXX. I could not figure out how to do that so I disputed the charge with US Bank. ( US Bank National Association. The charge went thru my Union bank account ending in XXXX but US Bank had taken over Union Bank in a merger/buyout so U.S. Bank answered the phone call. US Bank lost my dispute or just shelved it because of the merger and their current financial problems. Now they wont give me provisional credit. I spoke with XXXX on the XXXX XX/XX/2023 for over an hour and she said she thought it was lost in some department handling Union Bank issues and would get back to me. She hasnt. I talked to XXXX on the XXXX XXXXXXXX XXXX as well as supervisor XXXX and he said XXXX did not write any notes! I demand provisional credit now. It is not my fault they lost or destroyed my dispute and they dont make notes on hour long phone calls. I record almost all calls when it says this call may be monitored or recorded. 
I have a screenshot of the ad showing they were selling XXXX XXXX batteries and photos showing the contents the day the package arrived were no name brand batteries
Consumer complaint received 2023-08-21
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. (FL)

This complaint was solely in regards the Experian Bureaus inactivity due to not seeing any deletion updates on the list fraudulent inquiries I submitted dated XX/XX/XXXX. The XXXX had already done their part after that little issue, and the specific fraudulent inquiries I mentioned before were no longer showing in my XXXX credit report. But the Experian Bureau still has an unfinished task here. Here are the fraudulent inquiries that they haven't removed yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WI)

This is for XXXX XXXX XXXX, that they were supposed to come and pick up and NEVER did. I told them, I still have it, if they would like to come and get it, but I WILL NOT pay for something that is due to the company 's fault.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I was scammed by a potential job.XXXX  XXXX is the person who I was in contact with in regards to the job and the money transfers. I was told that the company ( XXXX XXXX XXXX ) would send me the equipment for the XXXX  XXXX XXXXXXXX XXXX job but they would send me a check for {$2000.00} first. Then once I receive the check, I would need to deposit it then would need to send money to the people who would put the software in the computer. So, I received the check on XX/XX/23. Then I was advised to start sending the money to these certain people through XXXX due to XXXX wasn't working. So, on XXXX I would XXXX XXXX XXXX XXXX. Then XXXX XXXX XXXX XXXX and then another XXXX. Then advised to transfer the remaining XXXX to myself for a sign on bonus. Then on XXXX I would find out that the check that I deposited came back as a fraud. I then in turn filed a dispute with the bank and filed a police report in regards to this scam. I just was notified that the bank denied my claim due to me using XXXX they aren't responsible for the funds sent through XXXX XXXX