davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/2021 I opened a savings account in TD Bank. 
XX/XX/2021 I have sent amount {$20000.00} from my XXXX  checking account with Wire Transfer to my new saving account in TD Bank. 
This amount was returned to me on the same day minus XXXX dollars. 
For translation, I indicated : XXXX XXXX for Wires XXXX. 
Because the bank 's website wrote : " To receive a domestic wire transfer in U.S. dollars, you'll need to provide the sender : This XXXX XXXX number ( a TD routing number that's specific to wire transfers ) Your account number, full name, and address as they appear on your bank account Your bank name and address : TD Bank, XXXX, DE. 
Therefore, I consider it unreasonable and illegal return my wire transfer and hold {$40.00} from me. 
The bank misleads customers, pointing out the wrong information on its website for Wire Transfer. 
I wrote a letter to the bank with a request to return XXXX dollars, illegally received from me, to my account in TD Bank or account in XXXX, from which the translation was made. 
But I received an unreasonable refusal in my legitimate request.
Consumer complaint received 2022-12-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number 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 an account without my written instructions
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I sent a email to ask for a debt validation letter because I received a letter in the mail saying I owe the debt and how to contact them for a debt validation letter. they never responded to my inquiry and instead sent a debt Validation letter to a email I was no longer using without letting me know I can dispute and also did not include the debt also belongs to a secondary party. On top of this they included photos of the apartment to add fees. And I took photos that do not match the damages theyre referring to. I was willing to pay a quarter of this debt, but I am not responsible solely and this is affecting my credit. I also was on unemployment due to being fired because of XXXX during this period and my compensation was not enough to cover the full amount of rent. A application for rental assistance was in process as the secondary holder refused to assist with payment. I will include all documentation showing my last receipt which reflect every payment was made by me, any additional proof I am able to provide. I will also include the debt letter sent to me without the option to dispute. I will also include the request for debt validation that was never responded to via the same form of communication.
Consumer complaint received 2022-08-21
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.
Consumer complaint received 2021-08-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with USAA. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: WorldRemit Corp. (NV)

On XX/XX/XXXX I initiated a money transfer to XXXX through the company named WorlldRemit, this transfer was intended to help a family member to get medical attention in XXXX, the transaction number is XXXX ( see attached screenshot ) and was charged to my credit card. By XX/XX/XXXX I have to cancel the transaction because the payment wasnt still deposited to the recipients account and I have to use another company to send the money since this was very urgent. As seen on the screenshot attached when one is placing the order it clearly says the money would be deposited the same day to the recipients account, misleading the customers who use the service thinking they are going to have a quick resolution of the service contracted. 
On XX/XX/XXXX when I requested the cancelation due to a failure of WorldRemit to deposit the money to my recipients account a customer service representative told me via chat that the refund will appear whiting the next 7 business days back to my credit card. 
On XXXX the XXXX I got in touch again via chat with a customer service representative from WorldRemit who told me that the refund was made already, but that he wasnt able to send me any proof to support that transaction, like a trace number, refund number or any receipt whatsoever, in order for me to contact my bank. 
Until today XX/XX/2021 the refund of the money hasnt been made yet, and yesterday XX/XX/XXXX, I spoke over the phone with an agent named XXXX and still she wasnt able to provide any support of this refund arguing that she did not have access to that information, and after insisting for a very long period of time over the phone she finally agreed to send the receipt, but for my surprise I got an E-mail from WorldRemit with the receipt of another WorldRemits client, who I do not have anything to do, on this receipt one can see all the personal and financial information of this customer. 
I question how come a customer service representative cant have access to a receipt or trace number belonging to the refund of my money, but she can have access to somebody elses account and spread this information to other customers, that is a clear violation of their same policies of the company and on the same receipt they state clearly the following WORLD REMIT DOES NOT DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS EXCEPT AS PERMITTED BY LAW statement that they are violating, which tells me WorldRemit doesnt provide any personal information protection to his clients. 
Today I spoke with a Worldremit supervisor whose name is XXXX, and still he hasnt been able to produce any proof of that apparently refund made to my credit card, I have contacted my bank several times and they confirmed that there is not any refund on its way to my credit card.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I was using my business checking account to send a wire transfer to my financial institution account in order to pay for services for a virtual assistant. I had sent several payments through the financial institution, known as XXXX, and had several issues throughout many of the transactions. This time I took to sending a wire payment from my bank, XXXX, to XXXX. I sent XXXX transactions with the exact same information, but with different values for XXXX separate invoices. The XXXX transaction went through no issue, the other one is still missing. My bank has confirmed it was accepted and XXXX is telling me they did not receive it.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

My complaint is against BB & T now Truist for fraudulent transactions and failing to honor our written agreement. On XX/XX/XXXX, I opted out of BB & T overdraft review for ATM / Everyday Debit Card Transactions. Included in the written agreement was the words that BB & T would not consider nor allow debit transactions when the funds are not available in the account. That did not happen. 
On XX/XX/XXXX, BB & T now Truist allowed a debit charge transactions in the amount of {$1300.00} when, BB & T knew the funds were unavailable. At that time the account had a positive balance of {$880.00}. 
This fraudulent debit transaction caused my account to instantly become negative by {$480.00}, creating a financial hardship for me. I am requesting a full refund of the {$480.00}, and any additional fees associated with this fraudulent transaction by BB & T now Truist. It is my understanding that BB & T had an obligation to honor our written agreement. If you have any questions or concerns please feel free to contact me at XXXX. 
I reached out to BB & T about this matter and was appalled at their response. I was not allowed to present any supporting documents, nor provide a rebuttal. I feel BB & T investigation was bias. Please see attachments.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (TX)

The Credit bureaus XXXX, Experian and XXXX stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX XX/XX/XXXX placed a collection on my XX/XX/XXXX credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. XX/XX/XXXX has failed to verify this account, since my initial dispute in XX/XX/XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, XX/XX/XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
Consumer complaint received 2022-01-05
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. (OH)

I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted XXXX and TransUnion, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!
Consumer complaint received 2024-10-08
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: LEXISNEXIS (OH)

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 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

My account was held on XX/XX/2020. I have not.been given a reason of why or until XX/XX/XXXX I received a letter stating it was closed for suspected fraudulent activity. I had gone in on XX/XX/XXXX and was told in a utmost rude fashion and disrespected by one of the tellers that they closed it. So I received a statement for XXXX to XXXX closed XX/XX/XXXX statement received late XXXX. Now it's XX/XX/XXXX. I have no funds from my account. Which was over XXXX $ and I on XX/XX/XXXX receive a text and email saying my account which I have had no access to nor have I made any checks out on. Or other payments, is overdrawn XXXX $ with was the EXACT amount of the unemployment check in which they stated was fraudulent. When will I get my money refunded and how is this negative balance even allowed on the account, and how does a bank get awY with taking your money and not telling you why or when especially during a pandemic in which we are already suffering. This is inhumane. I can't qualify for funding cause of unemployment money I received but I don't even have. So how long does my family suffer and my kids go hungry because of this. It's appalling. I need my funds returned.
Consumer complaint received 2020-12-07
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: CITIBANK, N.A. (MA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.
Consumer complaint received 2022-08-21
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: FactorTrust, Inc. (NY)

according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one company is reporting XXXX  all of them should report XXXX
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had made multiples complained to during the past 3 years to XXXX, Transunion and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you
Consumer complaint received 2023-05-09
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)

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 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 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

American Express, XXXX XXXX card, received temporary card digitally with a XXXX credit limit on last Tuesday. I tried to use it at a XXXX XXXX on the following Saturday and it was declined, I called and the lady I spoke with said the temporary card doesn't cover every purchase. I said ( paraphrasing ), " I'm not aloud to use what this card is designed for? It's sole purpose is for hotel points and I can't use it at your hotel? '' It seems predatory to just get you in the door but deny you points. That stay was a little under XXXX USD, and the promo is spend {$1000.00} in the first XXXX  months and you get a reward. I then tried to buy parts for my vehicle a little over XXXX USD and it was declined as well, I didn't call them this time because it's obvious who they are. I wrote a review through their customer satisfaction survey and wrote something similar to what was said here. If the temporary card can't be used, why lie? The credit reports is something they're leveraging so we won't cancel. Thanks for reading.
Consumer complaint received 2019-12-12
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. (CA)

the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, XXXX  and transunion are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (SC)

I have an account with cashapp and on XX/XX/2023 around XXXX I woke up to a text that a transaction had been made in XXXX XXXX XXXX  at a gas station called XXXX XXXX. I live in XXXXXXXX XXXX XXXX  and had not traveled anywhere recently. I disputed the charge and provided statements from another bank account showing that day transactions were made in XXXX and I was not in XXXX at all. They have denied my dispute multiple times and magically when I complained about them not assisting with the dispute they closed my account without notice. I still have not gotten back the 88 dollars from this clearly fraudulent transaction