davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/23 a charge was made on Walmart.com for {$310.00} using my Capital One credit card. The items were delivered to my house the same day. I was out of town for the day so the XXXX items sat on my porch until returned. After receiving an email stating the items were delivered I began alarmed and called both Capital One and Walmart the afternoon of XX/XX/23. I immediately called Capital one to report fraud and they closed the account, issued me a new card and started the fraud process. I also called Walmart to notify them of the unauthorized purchase. They told me to keep the items even though I offered to return them to my local store. They said since the items where ordered through Walmart.com the local store would not take them back. Outside of the few items that would need refrigeration the remaining items remain in my garage. 
On XX/XX/23 I noticed I had a bill due on my new Capital One Walmart card for the same dollar amount. I called Capital One and was told that after investigation the items were deemed accurate because they were delivered to my address ( which I have not disputed, the items were dlvd ). I DID NOT PLACE THIS ORDER. 
Capital One is refusing to assist me and remove the unauthorized charge. I offered to file a police report or sign fraud documentation. They do not care and now I am on the hook for {$310.00} of product that I would never use and again did not order.
Consumer complaint received 2023-07-27
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. (FL)

I am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.
Consumer complaint received 2023-07-27
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: LCI Acquisition Inc. (CO)

I have previously disputed this item with XXXX and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to XXXX, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate theses Accounts : 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 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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 credit reporting. I have Evidence to prove my case
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (PA)

Nationwide Recovery Systems  calls daily with harrassing calls. The caller will not provide any information about the reason for the call unless I provide them " required '' semstive personal identifying information.     The callers state different versions of what is " required '' and are aggressive and rude.     I state that I do not provide identifying information to strangers calling my home and ask them to stop calling my home.     The calls continue- sometimes twice daily - and today I was told that the calls will not stop until give them the " required '' personal identity information.     I do not have any past due obligations of any kind.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

Compass bank is closed my irs check went into acct number XXXX XX/XX/2022 but they cant help because Pnc bank bought them out and they cant give information about the bank acct. Im trying to recover my {$3900.00} income tax refund
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.

Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. P
erpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This XXXX has been placed on my credit report I requested the collection agency portfolio recovery to validate the debt The only thing I received was two letters with the same id numbers on the bottom left corner Also the collection agency is not licensed I. The state of New York
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have repeatedly contacted Bank of America to retrieve my money {$5000.00} I processed through XXXX. They have denied my claim citing they are unable to recover my funds. Bank of America encourage you to use XXXX and when you pay someone for goods and not get them, they are unable to get your funds. I strongly feel that Bank of America is not trying enough to retrieve my money. I was contacted by XXXX XXXX that she is selling her travel benefit with XXXX XXXX that i can use for a year and pay reduced airfare. My sister is terminally ill with XXXX and i travel often to go see her in XXXX. I sent her {$2000.00} onXX/XX/XXXX, {$1000.00} onXX/XX/XXXX and {$2000.00} on XX/XX/, for a total of {$5000.00}. I was supposed to start using benefit in XX/XX/XXXXand i have attempted to communicate with her via calls, text and voice messages but have been unsuccessful getting any response from her. Bank of America are in partnership with XXXX and encouraged me to do transactions using XXXX but are not willing to work with other banking institutions to recover my funds due to been a the victim of scam/fraud.
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

In late XXXX of 2022 XXXX XXXX reached out a debt owed and I responded about wanting to coordinate getting debt settled. Never heard back from XXXX; attempted to access company portal to pay, but did not have access. Months later now see on credit report that in early XXXX ( not even 3 weeks after contact ) XXXX transferred to debt collector XXXX XXXX. Never received any form of documentation, email, call, etc. about this transfer occurring or debt going to collections. Have since never heard anything from either group about collecting this debt. 
Have text messages and can show that no emails were received from either party.
Consumer complaint received 2023-05-10
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX & XXXX CARD XXXX
Consumer complaint received 2023-06-08
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. (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.

The letters are stated with items and issues.

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 2023-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

Ref : WU Tracking number ( MTCN ) : XXXX XXXX XXXX This is a continuation of the complaint made earlier. In response to my previous iteration of the continued complaint of XX/XX/XXXX, I received a letter from WU, which is identical to two others. 

So far, I have done everything I could do, including getting official record of denial from the recipient, the XXXX XXXX XXXX XXXX, and the CEO of the XXXXXXXX XXXX  But I have recieived no record from WU that the bank has received the transfer from WU, as WU claimed again and again. The bank can not tell me one thing and WU the complete opposite. I must have a record from WU that they have received a direct note saying that they received the transfer. The pro forma notice of deliver that I have received from WU and repeated several times no further information will not do. I just responded to WU and here is what I wrote : My note of XX/XX/XXXX to WU XXXX Dear XXXXXXXX XXXX, This is the third time you are asking for the same information from me. I had provided that on my first response. Here it is again : 1. I had asked for the bank account statement of the receiver. I was told by the CEO of the company that it is unethical for WU to ask for that information.2. The account information of the receiveris attached again. 
While I have attempted to do whatever you have asked me to do. I have even complained to the XXXX XXXX XXXX  and then to the CEO of XXXXXXXX XXXX I have only received official denials of receipt from the receiver, the bank manager and the CEO. In my capacityas a private individual, anything else is beyond my capacity. 
While I have provided all these documents, you have not provided any record that XXXX XXXX  has told you that they have receivedthe transfer. I must see that to satisfy my need. I want to see how the bank can tell me that they did not receive the money ( in fact can not possibly receive it for lack of what they call, an agreement with WU ), yet tells you theyreceivedthe funds. I can not know what that agreement is. Only you can. You have consistently avoided giving me information to prove your case. 
XXXX XXXX ( I am attaching the account information of the recipient here )
Consumer complaint received 2023-05-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc (FL)

Harley Davidson Financial Services call me and my fianc multiple times a day, including Sundays at XXXX and XXXXXXXX XXXX just to tell us we are late on our payments. We know. We have spoken to HDFS and told them we were struggling to make the payments since we were hit with a pretty big financial struggle just months after buying the motorcycle. We tried to do a voluntary repossession, and HDFS would NOT allow us to do so, at which point we said, then we will pay what we can every month until we get back on our feet financially. They call REPEATEDLY from different numbers, to where I have had to block every single number associated with HDFS.
Consumer complaint received 2023-06-24
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. (SC)

TransUnion is reporting a account on my consumer report that is not mine the account name is : XXXX XXXX XXXX XXXX this does not belong to me Ive called the creditor and TransUnion and nothing has gotten resolved I have a recording from a TransUnion agent that they dont verify or validate accounts.
Consumer complaint received 2023-06-24
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. (OH)

On XX/XX/23 I contacted TransUnion to life a freeze on my credit. In the past I'd just done this with my cell phone and no problem. This time I started it and was met with sales statements throughout the process only to be placed on hold for 10 minutes to talk to a rep. I repeated my request to the rep but I couldn't understand her because her call center was so loud, her voice kept going in and out and we had a language barrier ( she didn't understand English real well and I had difficulty deciphering her accent ). She repeatedly told me her system is very slow and it keeps going down. Not what you want to hear from a credit reporting agency that affects millions of people! So, she told me she lifted the freeze. I learn today, XX/XX/23, that it was NOT lifted so I went through the process again. The woman did manage to lift the freeze. However, she told me I would receive an email acknowledging this but I never received the email. My concern is with the technical difficulties with an organization that holds all my financial data and controls my " credit future '' and that of millions of others! In addition, this process was extremely sales-minded. It would be great if someone could look into these practices. Thank you!
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank will re-open checking accounts if a deposit is made by accident, and then charge fees associated with the account. This is done after customer requests account closure, and re-opening does not require Citizens to notify the customer- although frankly the account should just stay closed. 

I requested my checking account be closed with Citizens Bank on XX/XX/2022. On XX/XX/2022 a direct deposit was made to the account due to a tax refund from XXXX. This automatically re-opened the account ( 2 months later! ) and since then 7 fees have been assessed ( only other transactions on the account ) for {$9.00} each, cumulating in nearly {$70.00} in fees. 

On XX/XX/XXXX, I am attempting to re-zero the account again, and then will have to call again to request closure, or fees will continue to be assessed. They will not or can not close the account in a way that prevents future transactions from automatically re-opening the account. They claim this is the terms and services of the account, but it is abusive in that the thing that happens automatically is that Citizens recieves deposits, processes charges, and collects fees, but what can't happen automatically, or even at customers request is to prevent future transactions.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (NY)

I have a Wells Fargo XXXX credit card. Wells Fargo is shutting down this program and transitioning to a new one, and they informed me that they are sending me a new card on XX/XX/XXXX. The card was lost in the mail because I have never received it, and on Friday XXXX I got texts to confirm large purchases I havent made ( fraud ). 

I immediately responded that these purchases arent mine and deactivated the card through the app. By that time, three fraudulent charges have been posted, all in XX/XX/XXXX, with the following amounts ( {$1100.00}, {$100.00}, {$25.00} ). I called the bank within an hour to confirm these were fraud transactions and to halt all action on the account. To my surprise, after verifying more than 10 personal identifiers through the phone, the agent asked me to go in person to the bank to verify my identity. I did on the following business day ( XXXX XXXX  and third branch in New York NY ) and explained everything. Despite a subpar customer service at the visit, they confirmed my identity and confirmed which transactions were fraudulent. They informed me that this account will be closed and a new one with a new card will be open, and previous transactions will be transferred. 

Since then, my account shows the establishment of a new account and the shipment of a new card, but still has the fraudulent charges confirmed on the new account. I attempted calling Wells Fargo on XXXX, and they again insisted on me going to the bank. I went to the same branch and they said they didnt have bankers available for the day. 

This interaction has been one of the worst experiences Ive had with financial institutions. From stalling to resolve a fraud transaction that was caused by them/mail service, to repeatedly making it difficult to interact with the bank via phone or in person, to allowing a new card to be activated without verifying identity, Wells Fargo is setting a new lows in customer service and financial protection.