davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CA)

In 2023, I have received two Prepaid Mastercards from BlackHawk Network ( BHN ). 

The cards came to my email, XXXX, because I had requested them as virtual Prepaid Mastercards as they are convenient to use online. I am physically XXXX, needing a paid assistant routinely. 

The first card ( {$79.00} from XXXX ) had no issues. The second card ( {$48.00} ), however, has generated errors since XX/XX/2023. The error reads : " Oops. There's an error on our side. Please try again soon. '' ( see attachments ). 

The redemption code for the second card is : XXXX Instead of repairing their error, BHN has made both cards invalid now. 

According to XXXX / XXXX, many people are still seeing the same errors, not just me : XXXX XXXX XXXX XXXX Against my wishes, BHN claims : They had mailed two physical cards on XXXX XXXX XXXX 

To date, I have not received the cards. Had I wanted them as physical cards in the first place, I would have picked the correct delivery system on the original claim form ( see attachments ). 

I declined the slow mail delivery but chose much faster virtual Mastercards. 

BNH also wants me to provide my photo ID and my utility bill because I have not received the cards. 

I am not sure why BNH needs to have my private information and what they will do with the information afterwards. 

If I made any error at all, I would be willing to provide my name, my email address and my physical address only, the same information I had given to XXXX XXXX / XXXX to qualify for the Prepaid Mastercard. 

But, the error is entirely on their side, as the error message reads ( see attachments ), inconveniencing me beyond what was promised by XXXX XXXX XXXX XXXX when I qualified for the Prepaid Mastercard. 

According to XXXX / XXXX, XXXX is charging dormancy fees of {$5.00} per month for many people who can not access their cards due to the error on the BNH server, a double whammy.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments on this account have always been my commitment, avoiding any instances of overdue payments. I'm confused about the origin of the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Sometime in XXXX, on the advice of a USAA customer service rep, I analyzed my XXXX  account for any fraudulent activity such as unauthorized debit transactions and withdrawals. Upon completing this, I discovered many unauthorized transactions and atm withdrawals that I am certain I did not initiate. I notified USAA and filed a dispute on the transactions that I discovered to be fraudulent. USAA investigated these disputes and issued me credits and/or refunds for the disputes found in my favor. However, I recently discovered something very troubling and disturbing regarding the funds in my account. After checking the budgeting tool on my checking account transactions page, I noticed that the total income versus spending is off by {$29000.00}. As of XX/XX/XXXX, my total income received since opening my account is {$220000.00}, and my total spending is {$190000.00}. To my understanding, income includes all monies that are credited to your account such as XXXX payments, employment income, interest, check deposits, refunds, and electronic transfers. On or about XX/XX/XXXX, I contacted USAA to file a dispute unrelated to this issue, I then inquired about this huge discrepancy and the agent informed me that it could be due to transactions that are still pending. I told him that's impossible considering the substantial difference that exists between spending and income. I have concluded that my money has gone missing somehow and, as a result, I would like for this matter to be investigated to the fullest extent of the law.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One indicates that deposits made to checking accounts are available next business day. I deposited a check via mobile deposit on XX/XX/XXXX, and it was not until after the deposit was complete that Capital One indicated the deposit would be available on XX/XX/XXXX. I have no way to stop or modify the transaction, and I called customer service for help. I explained that I deposited the check to cover a housing transaction that will be pulled from my account on the XXXX. I was told by a customer service agent that there is nothing Capital One can do but advised me to call back on the XXXX if the deposit has not cleared. I explained that this does not solve my problem, if the funds are not disbursed next business day, my account will be overdrawn, I will incur a fee, and the housing transaction will be voided. The agent told me there was nothing anyone could do to change the situation. I asked to be transferred to a supervisor or someone else who could help me, the agent told me he was unable to transfer calls, and there is nothing else he could do. Without changing anything about my request, including the language I used, I repeated this request four more times before being told " Oh, you said the magic words, I am able to transfer you to my supervisor. '' I was then transferred to ( presumably ) this agent 's supervisor. The supervisor proceeded to explain to me that agents are unable to honor a customer 's request to be transferred until the " magic words '' are said. I explained that am frustrated because I called customer service for help, and consumers should not be asked to waste time solving riddles, the supervisor patronizingly explained, " until the magic words are spoken, there's nothing anyone can do to help ( the customer ). '' I expressed my frustration that Capital One 's customer service is purposefully interfering with my ability to receive assistance, and pointed out that Capital One would be profiting off this situation, at my expense. I was not provided with accurate information prior to making the deposit and/or Capital One is refusing to follow their published guidelines for funds dispersement, putting the consumer at risk for profit. The supervisor then terminated the call after leaving me on hold for approximately XXXX minutes total. I was on the phone with customer service for XXXX minutes ; Capital One 's agent and supervisor spent approximately XXXX minutes discussing " the magic words '' without clarifying what that means, where information about " the magic words '' is made available to consumers, or how consumers are meant to determine what " the magic words '' are, and XXXX minutes leaving me on hold. The remaining XXXX minutes were spent explaining that this situation is not a problem, and agreeing that Capital One will reap a profit at my expense.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-04-22
Product: Credit reporting 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. (MD)

I have recently gotten an apartment. My XXXX score vantage XXXX XXXX is XXXX ; and I have my other documents with the individual ones. XXXX and Transunion are reporting it XX/XX/year> as XXXX ; which is absolutely absurd and XX/XX/year> at XXXX. I have called them XXXX different times ; XXXX hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have repeatedly requested that this company provide proof that this debt is mine. I have specifically asked for proof of my signature to validate this debt and they have failed to provide any proof or documentation. They are falsely reporting on my credit report and impacting my life.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

Description of the specific details of the violations, including any inaccuracies or actions that are inconsistent with the mentioned statutes and regulations that has caused damage and defamation to my character. 

Credit bureaus such as XXXX XXXX, XXXX, and XXXX have potentially deviated from Consumer Reporting Agency ( CRA ) standards by failing to adhere to accurate and fair reporting practices, violating consumer rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements that might prompt concerns about their alignment with the standards expected of a Consu

mer Reporting Agency. The reported inaccuracies in my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers that are no longer current or relevant means of communication. Additionally, there are outdated employment details that inaccurately portray job instability, debt transactions including late payment, potentially compromising the confidentiality and privacy of my information.

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations governing accurate and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information.

I request a thorough investigation into these inaccuracies and prompt correction in accordance with the FCRA. Your attention to these matters is crucial to maintaining the integrity and fairness of credit reporting.

I demand an immediate cease and desist of unauthorized credit reporting activities concerning my account. The reported information is in violation of the Fair Credit Reporting Act ( FCRA ), including its guidelines for accurate, timely, and fair reporting. This includes the No Parking Rule, associated with the fair Credit Reporting Practices Rule I insist on a fair and thorough investigation into these violations, followed by the removal of any unauthorized and inaccurate information from my credit report.

I request a fair and thorough investigation into these matters and a written response addressing the following :
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (OK)

XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on account payments ( XXXX XXXX number XXXX I demand that these payments be updated on time as they should as I have NEVER been late late. Thanks Consumer information the best you can with Maximum
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

It has come to my attention that CAPITAL ONE is reporting my transactions for account # XXXX with its company to the consumer report. You have reported a transaction on this account on XX/XX/2024 between the consumer XXXX XXXX and yourself CAPITAL ONE and according to the FCRA 15 USC 1681 A ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3 the term consumer report does not include reports containing information solely as to transaction history between XXXX XXXX and CAPITAL ONE my transaction history is excluded from the consumer report. Delete this transaction history from the consumer report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ROBINHOOD MARKETS INC. (NV)

Over 2 months Im trying to explain the violations to them but they simply dont want to hear anything. I found another violation just right now I will keep everyone busy for deleting this account. Robinhood Credit is one of the worst company that I ever seen, this company dont care any type or Federal Law, Im as a consumer pushing them to correct and report accurate account but nothing changes. Since its been over 45 days and no correction I demand to delete this account forever in 3 credit reporting agencies asap. Will be uploading another violation which shows that account number is reopening only one digit. Bu the Law FCRA account must be reported at least 6 digits so consumer can demonstrate if any issues, here is reporting just one. My previous complaint has been proven with actual proff that this company is reporting 3 different names and account number on 3 credit bureaus. Enough violating the Law, Constitution says everyone must follow the law, doesnt matter you are Present of United States or market cashier.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

At end of XXXX Cap One called to ask questions about my account activity, specifically the XXXX payments I received. I have never had a bank call to ask personal questions about my transactions, I was quite taken aback. Apparently they did not like my answers when they started questioning me about names and their phone numbers. Next I knew, when logging into my account, there was a message stating " Your funds are currently not available for withdrawal. '' Please call us at XXXX regarding checking and savings accounts. I tried calling, sometimes three times daily, but always got a voicemail, which said Leave your information, and we may call you back in 48 hours. That has yet to occur has of today XX/XX/XXXX. 2023. 
On XX/XX/XXXX I received a letter with my savings account balance. No mention was made about the checking account balance. I continued to call, and when someone answered ( rare ) I was told the account was still under investigation, and no information could be provided. I continued to call approx 4 x weekly, and have kept a diary of those attempts along with the multiple numbers I called. Still no response.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (SC)

According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure o
ption, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations.

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.
Consumer complaint received 2024-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I mailed my payment for mortgage to SPS, the servicing company for XXXX XXXX XXXX. I received a automated call on XX/XX/XXXX stating that the payment is due. Again, I sent it on XXXX personally, with the SPS coupon, for a USPS Station. Today is XX/XX/XXXX and no credit of my payments has been made. This is a monthly reoccurence, not posting my payment. Still, after talking to them they say they don't have the payment. I sent SPS a copy of the receipt the USPS gave to me on XXXX, but after tomorrow the payment will be late and therefore show up negatively on my credity report.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 

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 2024-01-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (FL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ME)

I have $ XXXX on Coinbase. I want to withdraw the funds due to last week a scammer stealing $ XXXX worth of crypto assets from my account ( something Coinbase didnt support me on either ). 

My account has been locked since Sunday XXXX. I have provided all requested information ( photo, drivers license, XXXX authentication, new password ) despite that the account is still locked. I call customer service and am given vague answers, I email and dont get replies. I want my money off this exchange as I fear more scams and theft. If and when XXXX able to recover the funds in my account I intend to hire a lawyer to go after the stolen $ XXXX