davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/2021 i received my federal refund in the amount of {$10000.00} I withdrew money in the amount of {$10000.00} between the XXXX and XXXX in increments of XXXX dollars. 
cte On XX/XX/XXXX I received {$750.00} and {$75.00} on my card for payroll from team car care aka my job. 

I used my card in one store XXXX XXXX XX/XX/XXXX in the amount of {$330.00} for a phone and attempted to use it again but it was declined. 

Once again I tried to use my card at an atm the XXXX and today the XXXX to no avail. 

I called customer service Saturday XX/XX/2021 to see as to why my card was declined instore and at the atm. Customer service was rude, not answering my questions, acting very suspicious and giving me many different answers as to why and what was going on. I was also hung up on several times by several customer service reps and managers while trying to get this resolved. 

I am expected another {$1400.00} from stimulus to be deposited on my card sometime this week of XX/XX/2021 through XX/XX/2021. I as well expect another deposit from team car care on XX/XX/2021 in close to the same amount as above. I am also expected another deposit from team car care in the same amount on XX/XX/2021 in the same billing cycle that American express is claiming I can not use my funds on my card as I exceeded my limit on my card. They also XXXX that I can sent the money via ria to someone and I have tried this to no avail. I can not get all the funds off to close the card now and I fear they may close my account with funds on my card as I have seen them to this to others recently in the past 60 days. 

The customer service reps in all gave me in total the excuse of I have a {$750.00} a day atm limit, I have a {$2000.00} a month limit to withdraw money off the card by another customer service rep. I was hung up now in just the past 2 days by roughly 4 customer service reps and 2 supervisors all of which refused to be of any assistance and kept telling me that I have a temporary card. They refused to acknowledge my card is not temporary and that it is a card from XXXX XXXX that I received years ago and it had my name on it. 

I repeated that I was able to in the past years and with my recent withdrawals to pull off XXXX a day and especially from XXXX to XXXX as their card agreement states. They claimed their website did not state this and that I was lying. They stated to me there is nothing they can do in regards to my account so I can pull my money off and close my account to prevent further criminal activity from their company. 

I am informing everyone I know, including making a complaint against this company to prevent anyone else going through this mess as I have been and countless thousands of others on a group I am on that informed me to report the company for what their doing.
Consumer complaint received 2021-03-19
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: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. 
I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. ()

A different name is showing on my credit report which is affecting my credit rating. The name is very similar with a different middle name but at the same street address not correct flat number. I spoke to clear score and they told me to delete my account and re apply, I did this and the other persons details are still there.
Consumer complaint received 2021-03-20
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: VW Credit, Inc (IL)

I had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MS)

Account XXXX is being reported on my Equifax credit report. There is no creditor name listed. I sent letters to Equifax asking them to verity this account is accurate. I have yet to get documents validating this debt. How is there a no name creditor account reporting on my credit report? I have yet to get any paper work. This is a violation. I have disputed the information 6 times with Equifax. I have attached documents providing the violation..
Consumer complaint received 2021-03-21
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: Experian Information Solutions Inc. (NY)

Inquiry date : XX/XX/2020Removal date : XX/XX/2020 Bank installment loan I went to XXXX in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a secured credit card with capital one, all my funds were on this card. During 2020, credits by a merchant were made to my balance and instead of capital one returning this money to me they decided to increase my secured balance from originally {$840.00} and it increased due to the credits to {$1300.00}. This card is now closed. Capital one returned only the original {$840.00} I gave them when I opened the account but not the remaining {$450.00} they are holding hostage of my own money. To exacerbate matters, they are charging me overdraft and interest charges on my own money. I have called numerous times and sent letters to XXXX XXXX, not one letter was responded to. The representatives just respond it will be returned in the interim, I keep receiving charge after charge for my own money I gave them and trusted them with for my secured card to build credit with.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (WA)

I got on my bank account today to see about getting groceries. And I noticed that I had an overdraft charge, but my account still stated that I had {$300.00} balance with a negative {$140.00} available. I have 6 pending charges, each at {$75.00} from XXXX XXXX agency. I do have an agreement of autopay at {$75.00} per month. I have submitted an email to this company in regards to the over charging. I also had gotten onto their website to view my account and it also states there of the 6 payments that I had not authorized. I have attached my bank statement showing the multiple pending charges and the overdraft charge along with the account/payment information from the collection agency showing all payments at {$75.00} per month until XX/XX/2021 with 2 pending payments and XX/XX/2021 with 4 more pending payments.
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX  XXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a XXXX XXXX XXXX XXXX XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX/XX/XX/XXXX XXXX/XXXX / XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX , XX/XX/XXXX XXXX  Acct/ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have sole proprietor business for 25 years. Sba provided me with {$17000.00} that was deposited in my capital one checking account. Capital one froze my account and sent the rest of my funds back to the Sba. Lied and said Sba requested the money back and capital one left my account with a negative {$1800.00} dollars. I called Sba they said they never received the funds from capital one. 
I received the funds o. XXXX XXXX. Capital one closed my account XXXX XXXX and on XXXX XXXX capital one told me that they returned the money to Sba a month prior. I called Sba and they did not receive funds from capital one. I was lied to and capital one has kept my money and they are not telling the truth about the money. AttAched is the email stating they closed my account and a copy of the account showing capital one withdrew the money but its showing up no where else
Consumer complaint received 2021-03-19
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: Lending Club Corp (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (VA)

I have tried for the last week to close my Account with XXXX XXXX issued by Regions Bank. Most of my calls end up on unending hold or I just get cut off. Today 's call was a transfer to the " Disconnect Department '' and then, after waiting on hold for a while, I got disconnected. This started out when I found out they were charging me {$10.00} per month for a card that they told my wife was free. So I see that as deceptive practices or outright fraud. All I want to do is close this account. I have zeroed out the balance by paying over the phone, that is the one thing that did work over the phone.
Consumer complaint received 2021-03-21
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-20
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: SYNCHRONY FINANCIAL (PA)

I never inquired about credit with any of these companies XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXXXX/XX/2020SYNCB/LOWES XX/XX/2020 SYNCB/AMAZON XX/XX/2020 SYNCB/LOWES XX/XX/2020
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (UT)

My wife and I both Applied for the Barclays XXXX XXXX XXXX Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XX/XX/XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  XXXX account is 3 years and 3 months old. It was opened on XXXX XXXX, 2017 and has reached the statue of limitation but still shows as open on my credit report. XXXX XXXX, XXXX has ghosted my social security number and is looking for payment in the amount of {$340.00}.
Consumer complaint received 2021-03-21
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: DISCOVER BANK (NY)

On XX/XX/2020 I reserved a car online through XXXX. My Discover credit card was used to secure the car. On XX/XX/2020 I went to pick up the car that I reserved through XXXX. the vendor, XXXX XXXX, told me that they can not rent the car to me, without explanation. I contacted XXXX to let them know what happened and they said they can't refund me even though I did not receive the car. I then contacted Discover Card when the charge appeared on my statement and explained several times that I never received the service that I paid for, a rental car. They, Discover, are only relying on the merchant, XXXX, information. However the merchant can not substantiate that I received the actual service. I have been disputing this charge since XX/XX/2020. We are at an at impasse.
Consumer complaint received 2021-03-19
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. (FL)

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (KY)

I used the app called Cash App ( owned by Square inc ) I opened it years ago and it fell to the wayside, but I had purchased digital currency. I recently was reminded about the account which is tied to my email still, I went to gain access to my account and while the email code to verify my identity was successful, my banking information was incorrect as I no longer banked with XXXX XXXX XXXX XXXX nor was my phone number correct because years had passed and I no longer had that phone number to get a pass code, I reached out to the cashapo support and since they don't have a phone support I had an email ticket and kept being round Robin to numerous support specialist who kept asking me the same thing over and over again and ultimately they wouldn't give me access to my old account even though I could verify other bits of PII that would verify who I am. This is highly frustrating and this company has a reputation today of being difficult but I feel that they have a way to verify who I am and let me access my old account
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

i have issues opening a bank account, and depositing a government check. i previously have had fifth third bank and my account was closed due to bounce checks thru my previous employer. i would really like for this problem to be fixed on my report because it makes things impossible to deposit a check. checks are on my name and have a valid ID. the bounced checks were completely by the employer so therefore this isnt my fault on how it affects my checking issues.