davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MS)

As an American with faith in our financial system I chose Wells Fargo as my second chance bank in an environment that slaughter the Wells Fargo identity.
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Unfortunately, the news reports about Wells Fargo continue to be true after the claim of several millions in investments to repair problems with consumer protection.
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I was notified the bank would be changing my savings account to a checking account on XX/XX/XXXX. I already had a checking account with Wells Fargo and assuming the notification was in my best interest I moved all funds to my checking account.
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None of my auto pay setups from my checking account were transferred and in early XXXX I began questioning charges from XXXX XXXX XXXX of XXXX. The company had overcharged my account several times even with the assertion that my checking accounts had overdraft protection.
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The dispute with XXXX led to a refund of over {$1000.00}. This was not a settlement but proof to my trusted bank that XXXX was allowed to override the supposed overdraft protection and subsequently sent my account into negative for more than {$1200.00} including overdraft fees from the bank.
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When I voiced my concerns to Wells Fargo in late XXXX I lost all access to online services and received several statements in the mail that did not reflect the activity I was concerned about at the time. I am XXXX and XXXX. I hoped to use retirement funds deposited into Wells Fargo to allow whatever is left of my life to help others.
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Last Friday before a medical appointment I stopped by the downtown branch in XXXX, Mississippi and requested and received the statements I needed to show there had been activity on the account long after I requested it be closed. Wells Fargo sent the account to collections bearing a different amount.
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The statements I received do not show why there was a change in the amount but the charge off reflects nearly a {$1000.00} difference from the credit company now hounding me for the overdrafts.
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Nearly {$14000.00} dwindled to a - {$1200.00} balance with little to no interaction with the bank about how this occurred or how to stop it. I spoke with a bank manager from XXXX today who is still refusing to put words in writing about this incident. I was XXXX  and XXXX XXXX at my temporary residence recently. I have informed Wells Fargo of the danger of ignoring this problem as I struggle for life.
<P/> XXXX XXXX and XXXX XXXX of the downtown XXXX location have refused to communicate a resolution or understanding of what happen in writing at this point. I have been offered phone conversations but as you read this I hope anyone is aware written communication for a problem as large as this is absolutely necessary.
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Wells Fargo has the ability to pay big money to shut me up. I am broke because I gave all my money to Wells Fargo.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I currently have a credit card with Capital One- over the course of years I have earned {$1000.00} in reward cash. I used my reward cash today XXXX toward purchases from last month. The reward cash was gone from my balance however it was not reflected in my balance owing. I called Capital One to inquire about when the reward cash would be reflected in my balance owing and spoke to XXXX. XXXX said it would be applied anywhere between 2-3 business days up to 60 days or 2 statement cycles. I was advised to pay the full statement balance to avoid any interest being charged. I asked why my rewards were removed from my credit balance if it took that long to update on my actual balance owed. I was repeatedly advised that the rewards are not to be used towards the balance owing, I asked to speak to a supervisor. I was transferred to XXXX employee number XXXX - I again repeated my question - My balance is {$1800.00}, I redeemed {$1000.00} in rewards and wanted to know when it would be credited towards my overall balance - she told me what my current balance is ( which is irrelevant as I pay my card off every month ) and that the {$1000.00} would be credited between 2-3 business days up to 60 days or 2 statement cycles and that if I didn't pay {$1800.00} I would be charged interest. My question is how can they charge me interest if the balance has been completely paid off via the cash back and my personal funds? Both representatives were only concerned with my overall balance and not addressing my immediate question. How can I be charged interest on a balance that is paid through the cash back rewards program once redeemed? Capital One is taking advantage of consumers and charging them a fee for using a program they put in place. 
Credit card ends in XXXX Call to Capital one took place on XXXX XXXX eastern standard time.
Consumer complaint received 2023-07-06
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. (CT)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have old items on my credit report that I would like to be updated and I have been reaching out to this company over and over to do so they continue to have old information that I no longer have access to on my report and I would like for the updated.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to contact credit bureaus ( Transunion, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-29
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/year>, I received a text message from my cousin XXXX XXXX ( XXXX ) Through his XXXX account asking for money. I did not question that request because we had financial transactions before. So, I went ahead and sent the money to the email address he provided ( XXXX ) First name : XXXX, last name : XXXX 

I was scammed by someone impersonating my cousin. 
I want Zelle to provide the real name, date of birth, banking information, and address of the scammer ( XXXX ) First name : XXXX, last name XXXX XXXX 
The scammer must have a bank account before receiving my money. I filed a criminal complaint with XXXX XXXX Police will need this information to do a thorough investigation. 
Please see the attached files for more information.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

This complaint is in regards to Square Inc. i have been using their service for the last 10 months. Through this time with them i have had a perfect track record with happy customers and XXXX chargebacks. Despite this fact, months ago they placed restrictions on my account forcibly withholding 10 % of my earnings. Days ago i requested a review of my account to have this limitation removed. Square complied and reviewed the account however they had requested information that doesn't even exist. to be specific they wanted invoices for and contracts for XXXX transactions. These transactions were in person purchases using their point of sale system and were not subject to an invoice or a contract. This was clear deliberate attempt at requesting information that could not be provided to maintain the holding account placed on my business. 
That being said the review resulted in the closer of my account and the withholding of all of my funds ( {$5400.00} ) for 90 days, most of this money in this holding account had already been held for 60 days. 
This company is the perfect example of everything that is wrong with corporate America and the financial companies that operate here. We are a small business and the reckless actions of Square Inc. have had a direct impact on the way we have been able to conduct business and they should be held accountable. at the very least my funds should be released immediately and there should be something done to prevent this excuse of a financial institution from doing this to other business 's just trying to succeed.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

This account is a result of idendity fraud. I have not sign a contract with LVNV Funding and have not given written permission to contact me. According to 15 USC 1681 ( a ) ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and The company has listed a fradulent negative account on my credit report.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2023-07-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good evening! I recently received a letter dated XXXX XXXX stating XXXX XXXX XXXX had furnished a CHARGE OFF to XXXX, XXXX, Transunion. I have already filed multiple disputes to remove the account starting and ending with XXXX. All three credit agencies failed to provide me with proper DEBT VALIDATION, and they all continue to reflect on my CONSUMER REPORT as a CHARGE OFF and I never received a IRS TAX FORM 1099c. 
With that in mind, I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for my home. I do currently have the vehicle I purchased in the consumer credit transaction dated on XXXX XXXX. I have a letter from XXXX XXXX stating that there is no lien/title for my vehicle, there is no remaining balance reflecting on my XXXX XXXX account but, XXXX XXXX did furnished " Charged Off '' and is now being adversely reported on my credit report as a Charged Off account. 
We are both aware that XXXX XXXX XXXX as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered in the sale of the vehicles after repossession. From our limited knowledge and tax obligations for the year of XXXX, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453. This current issue of XXXX XXXX XXXX furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Perhaps this is a small oversight that XXXX XXXX XXXX is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, Transunion, to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that I could continue to prosper just like you. 
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. Thank you and I will be looking forward to a honorable response.
Consumer complaint received 2023-07-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (CA)

ACT aka Account Control Technology , Inc., called my father and left threatening messages and where I was about a student loan serviced by XXXX. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the ACT collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration.

I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by XXXX not ACT. 

This was all a shady collection tactic because I believe they knew that XXXX was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX ) & The Dept. of Veteran Affairs. I think that ACT new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX  XXXX  from XXXX XXXX XXXX ( XXXX ). 

ALL other XXXX Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's XXXX at the time. I spent 21 years intermittently homeless due to untreated XXXX from XXXX XXXX XXXX.