davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We recently opened a Capital One checking account because our son as their XXXX-focused account and we wanted easier transfers. On XX/XX/22, my husband used the account to purchase ammunition or his hunting rifle online. Later that day, our debit cards started being declined and flagged for " card fraud '' every time we tried to use them. The first time was at our local XXXX, where we had previously used the card without issue. I contacted customer service, and they said they would place a fraud exclusion for the transaction type so it would not happen again. On XX/XX/22, my son tried to take money out of his account at a local ATM ; it was declined and flagged for card fraud. He followed the instructions to legitimize the transaction through the texts ; it indicated that the problem was resolved, but when he tried again, it declined again for card fraud. I then tried to use my card to withdraw funds ; it declined as well. I followed the text and in-app instructions to fix the problem and tried to use it at the pump to get gas ; it declined again. I then contacted customer service again and was told they would again play a fraud exclusion on it. However, when I tried to get gas an hour later, it declined again. I then tried to use it at the XXXX where a fraud exclusion had specifically been placed ; it declined again. We have not been able to access our money since my husband purchased ammo, despite repeated customer service contacts and attempts to escalate the issue. We can not get our money or buy goods and services, and we can not get help from the company.
Consumer complaint received 2022-12-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, XXXX and Experian. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
Consumer complaint received 2022-12-24
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. (CT)

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-04
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. (CA)

XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has been paid and closed on my report, this is still showing that it is XXXX, XXXX and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (CA)

In XXXX of this year, I opened an individual savings account and a money market account under my trust with Discover. I linked my individual XXXX XXXX XXXX XXXX ( XXXX ) checking account and a separate savings account under my trust. 
XX/XX/2022 - received email from XXXX stating that my XXXX transfer to Discover was reversed. Apparently, the transfer I made from my XXXX XXXX savings account to Discover was disallowed by XXXX since savings account are not allowed to do XXXX transfers per XXXX policy. 
- I contacted Discover and got a recorded message that Discover made a business decision to close my account ( I later found out was my money market account ). 
XXXX - Spoke to different CSRs from Discover some saying my account was closed and some saying my account was suspended. 
XX/XX/2022 - XXXX restored my online account access. 
XX/XX/2022 - received emails stating unusual activity detected and my account was closed. 
XX/XX/2022 -contacted discover, was told my money account was closed and check being sent to me between XXXX working days. Told to call back next day for online access. 
XX/XX/2022 - After insisting to speak to a supervisor, supervisor XXXX ( XXXX. # XXXX ) indicated my account was suspended. I asked that fund be transferred to my account since I need access. 
XX/XX/2022 - called again and was told that to wait for a call between 24-48 hours from day before and XXXX can't do anything form. I asked for corporate office number, but officer are closed at XXXX EST when they indicate their operating hours are til XXXX XXXX EST. 
I need to get access to my funds and Discover XXXX told me that issues like this XXXX take a couple of weeks to resolve.
Consumer complaint received 2022-12-24
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. (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. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 2024-03-17
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2022-12-25
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, 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 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 2020-03-03
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. (GA)

I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-03-03
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. (GA)

I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2022-12-25
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. (LA)

I have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are : advancing fcu, XXXX cards, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX. Also XXXX XXXX and trust date of first delinquency is wrong also, and XXXXXXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Recovery Solutions (TX)

On XX/XX/2018, I received a phone call and voicemail from XXXX XXXX stating she was attempting to contact me to locate me from the civil litigations department, and they were sending a couier to my place of employment within 24 hours if I did not contact them, and there would be a case filed against me resulting in a judgment. This same message was also left on my husbands voicemail as well just 2 minutes after calling me. When I called the number back I spoke with XXXX XXXX who stated she was a representative with an attorney 's office, and I asked her if she worked for the State of Texas Attorney 's office since she was calling from an XXXX number and she told me she did. I asked for the name of the attorney and was only told there are several attorneys in her office. So I asked for the name of the company, and she state United Recovery Solutions to which I replied this is a debt collector. I told her not to call again and send all correspondence through the mail. My husband not knowing what was going on returned the call on his voicemail and without verifying ANY information except his phone number proceeded to speak to him freely about the alleged debt, and told him they were sending a courier out to serve me with papers at my place of employment. Shockingly no one ever showed up. On XX/XX/2018 I called this number back and spoke with XXXX who informed me no courier would be coming and asked if I was aware there was a notice to appear filed against me. I told her no because I was never served any papers. She asked if I would like this information over the phone. I told her no I would like everything in writing. She immediately hung up the phone. Throughout the day on XX/XX/2018, I spoke with several people in this office and recorded all conversations. Several times I was hung up on, and put on eternal hold as soon as they heard my name. Every time I called back. When I asked for a physical mailing address the phone would " break up '' only then and with each person ... I was denied a full physical address. I requested a letter in my email from this " company '' and even the letter head does not have a complete address.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (AR)

First National Bank of Omaha Credit Card Wrong balance fraud charges card balance need to be deleted and updated of consumer transactions account # XXXX account balance not correct {$9100.00} credit card type
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

From XXXX I was charged countless overdraft fees I would get paid and the day I got paid I would pay bills and for each transaction I was charged a overdraft fee even though my account was in the positive I ended having to use XXXX to deposit my check in XXXX it costed me my home and my car I was homeless for 9 months in XXXX and ended up getting a place to live and months later had to pay off the account for overdraft fees acquired due to the ongoing problems of the bank taking my money for overdraft fees after my accounts was in the positive and Id pay bills on pay day I went back to them in XXXX when I paid the account for the fraudulent fees and ended up closing that account because the same thing was happening basically I tried to reach out to Wells Fargo several times and even made posts about it on the official Wells Fargo XXXX page only to be met with promises that never ended up taking place
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Credit card : Walmart credit card. 

Issue : Taken off automatic payments without permission. 

My credit card servicer was XXXX XXXX, but there was a transition to a different service provider : capital one. 

Ive never missed a payment for that card in three years. Ive also never missed a payment for any obligation for over seven years. 

When the transition to capital one occurred, my automatic payments were not transitioned. Ive been overseas for the past 7 months and established autopay in order to avoid any lapses in my payment obligations. 

As a result, my payments lapsed. Theyve been gracious enough to refund all of the fees and penalties theyve charged after I was able to get in touch with them, but my credit has suffered. 

Can you do anything? I feel that they are directly responsible as this wouldnt have occurred had automatic payments not been XXXX in the corporate transition.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial (CO)

According to XXXX, Circle Internet Financial is responsible for managing ACH withdrawals that I make from XXXX  to my bank. I submitted ACH XXXX $ withdrawals from my XXXX  account on XXXX for {$25000.00} and {$17000.00} to be sent to my bank account at XXXX XXXX XXXX. My account at XXXX was debited, but I have yet to receive the funds at my bank. These withdrawal requests were made following the XXXX.XXXX  guidelines, instructions, and terms of service XXXX days before XXXX declared bankruptcy on XX/XX/XXXX. At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. I received confirmation on the website, the app, and via XXXX.XXXX  support directly that the ACHs ( multiple ) were being sent. Once again, according to XXXX, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. Specifically, according to XXXX, By submitting, I authorize Circle Internet Financial, on behalf of XXXX.XXXX  electronically credit my account at the financial institution indicated by me. I have yet to receive my funds. I have also not received any update from either Circle or XXXX.XXXX  on what happened to my ACH and the status of my funds.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX account XXXX XXXX XXXX XXXX closed account has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-12-24
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. (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 name : XXXX XXXX XXXX # XXXX, Account name : DP OF EDUC # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I previously submitted a complaint that I was unable to get my security freeze with Equifax lifted despite multiple efforts via my online Equifax account, telephone calls to their automated system and one call that finally landed a real person ( no previous calls did ) who admitted the system was down. Today I reached a live person who asked me 20 security questions, verified my identity and lifted the freeze temporarily. I have the pin number I was given when I first placed the freeze but she said the company doesn't use those anymore. Then she transferred me to technical support to get help over my inability to manage my freeze online. The agent, whose " purportedly only '' name was XXXX, asked me the same security questions and, after I gave her the exact same answers, she then claimed she couldn't verify my identity and refused to help me. I told her the last agent was able to and I also explained repeatedly that I could log into my Equifax online account, and get my credit info so I didn't need any of that, and I just wanted them to fix the link in my online account for " managing '' my freeze because the link doesn't work. I don't need the freeze lifted at the moment because the previous agent did it temporarily for me. But I want to be able to manage the freeze in the future. She refused to help me. What the heck am I supposed to do when I have problems like this in the future - when reaching a live human is almost impossible, their verification results are absolutely inconsistent, and all the automated things don't work? I foresee one coming because I just learned from the mortgage company that they may need to access my credit report again after 60 days, but I only lifted the freeze temporarily for 60 days. I should not have to go days and days fighting Equifax over getting this done properly.