davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Dear TransUnion Customer Service, I am writing to formally express my dissatisfaction with the issues Ive encountered while trying to manage my credit lock on your platform. Despite my efforts to resolve these problems through customer support, I have faced unresponsive and unhelpful service, and I continue to experience the following issues : Unjustified Charges for Unlocking Credit : I am being forced to pay to unlock and lock my credit, which I believe should be available without charge, especially when I have not authorized any recurring payments. 
Non-functional Website : The website does not allow me to manage my account or unlock my credit as intended. This technical issue has persisted without resolution. 
Poor Customer Support : When I contact your customer service team, I am frequently directed to agents who do not speak XXXX fluently, and my concerns are not addressed. This has caused significant delays in resolving my issues. 
These problems have negatively impacted my ability to manage my credit, and I am requesting an immediate investigation and resolution. Specifically, I request that : You review and waive any fees that were unjustly applied to my account for locking or unlocking my credit. 
You ensure that the website functions properly so that I can manage my account independently. 
You improve the quality of your customer service to provide better support. 
Please respond within XXXX business days to confirm that these issues are being addressed. 

If no satisfactory resolution is provided, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). all charge though tranunion are considerd fraud during breach they wont fix or address it like it wasnt breach there selling personal data. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (WI)

In late XX/XX/XXXX, I received and deposited a check from Regional Finance via mobile deposit, under the assumption it was a legitimate financial instrument. There was no clear, unequivocal disclosure that this check represented a loan agreement, as is required under Truth in Lending Act ( 15 U.S.C. 1601 ) and Regulation Z, which mandates that creditors must fully disclose the terms of credit transactions in a clear and conspicuous manner. 

Despite my lack of explicit consent to any loan agreement, Regional Finance deceptively construed my deposit as agreement to their terms. The Uniform Commercial Code ( UCC 3-302 ) clearly stipulates that a negotiable instrument, such as a check, must be presented with all pertinent terms visible and understandable, which was not done in this case. This failure to clearly disclose the nature of the check constitutes a violation of UCC Article 3 concerning negotiable instruments, and further, a failure under UCC 3-305, which protects consumers against the enforcement of a check that was not freely and knowingly agreed to. 

From XX/XX/XXXX onwards, I was subjected to daily harassment from Regional Finance, with multiple calls and letters demanding payment for a loan I never agreed to. 15 U.S.C. 1692d of the Fair Debt Collection Practices Act ( FDCPA ) expressly prohibits harassment or abuse in the collection of debts, which includes making repeated calls with the intent to annoy, abuse, or harass. Regional Finances actions clearly violated this statute by subjecting me to unwarranted and aggressive debt collection tactics. 

When I attempted to resolve this issue with Regional Finance on XX/XX/XXXX, the assistant I spoke with was rude and dismissive, and the manager explicitly refused to speak with me. This interaction, which I recorded for documentation, is in violation of 12 CFR 1006.6 of the FDCPA, which requires that debt collectors act in a manner that is professional and respectful when contacting consumers.

Additionally, the misrepresentation of this check as a loan is actionable under 18 U.S.C. 1341, regarding mail fraud, and 18 U.S.C. 1343, regarding wire fraud. Presenting a financial instrument under false pretenses, with misleading language designed to induce consent to a loan, falls within the scope of these federal offenses. 

Finally, the failure to properly handle and disclose the reporting of this loan to credit bureaus is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). By falsely reporting this loan as a charge-off and delinquent, Regional Finance further compounded the injury done to my credit history and standing. This constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o respectively, entitling me to statutory and punitive damages.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (CO)

{$250.00} XXXX XXXX XXXXXXXX purchased on XX/XX/XXXX and issued from XXXX XXXX California. On XX/XX/XXXX the card was activated over the phone. Card states " Good thru XX/XX/XXXX ''. On XX/XX/XXXX attempted to use the card and it was declined. On the same day, called the issuer to understand the problem. Issuer stated the card was expired. I advised issuer the Credit CARD XXXX of XXXX prohibits the sale general-use prepaid cards that expire sooner than 5 years after the date of issuance. Issuer told me too bad, file a complaint.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander Consumer USA has been reporting monthly that my account is " CO '' ( charged off ), which violates the FCRA. I have never received a 1099-C from them, yet they continue to report this to my credit report. I dont understand how an account can be charged off every month since XX/XX/year>. Ive sent multiple letters and disputed this with various companies. While it has been removed from one reporting agency, it remains on XXXX and XXXX.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (TX)

In XXXX of 2024 Vectra Bank closed my accounts and removed all of my online access to my accounts, without cause. 
I understand this is within their rights to do so as part of the agreement ; that's not the complaint. 
I have since requested they send me my bank statements, no less than a dozen times now, and the continue to refuse to send or provide me my bank statements, and have not provided any reason for this.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

XXXX sent me a letter asking for payment for debt. 
XXXX i replied with certified letter stating it is not my debt i need validation XXXX resent the same information and did not provide documents that i asked for showing proof that this debt belongs to me. 
XXXX i resent them a letter asking why are they not providing this information i asked for by law. 
there tactic is to keep sending same letter and ignoring a resolution. 

This company fails and they have over 2000 complaints with the XXXX  for the same practices and they continue to break the law codes .this LVNV Funding Resurgent Capital Services.has the worst practices and complaints and they continue to violate the law.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (IN)

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. XXXX WE CAN HELPI + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. XXXX
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (FL)

I was caught up into to a romance/XXXX XXXX scam/theft. Discover Bank allowed me to wire transfer 7 times in 21 days for a total of {$290000.00}. The last one was to a person in XXXX for {$130000.00} a day after I was allowed to transfer {$60000.00}. 

For 14 years, as a Discover Bank customer, I had a boring bank account and there were no wire transfer out of my account. Then in XXXX weeks I have XXXX. That is not counting about {$230000.00} being wire transferred in the amount of {$230000.00} from XXXX. All of this, large amounts for my account moving in and out of it. There was not one question of what the heck is going on with your account? I am sure I am not the only customer to get scammed like this, but, Discover is/was doing absolutely nothing to question this very questionable activity. If I was laundering money, I have no doubt that Discover Bank would not have questioned it! 

Scams of all kinds are on the rise and if another customer gets scammed they need to be banking at a better bank.
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (MA)

The company that is suing me is engaging in re-aging which is illegal under the FCRA. I opened the account in XX/XX/XXXX and they are suing me in XX/XX/XXXX under the guise that the account still has a shelf life. This means they are knowingly perjuring the courts, because they also made sure he original creditor dropped the date off of my credit report and sued me on the actual month its suppose to drop off, as. I have two other accounts that were opened in the same time frame that are held by them and dropping off in XX/XX/XXXX and XX/XX/XXXX. This is wrong! They re-aged it and I never noticed, nor acknowledged this debt.
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Net Pay Advance, Inc. (MO)

I took out a loan in XX/XX/year> for {$1800.00}. HUGE MISTAKE. I have paid in total {$6700.00} and they show that I still owe another XXXX. I have paid almost 4 times what the original loan amount was. I realize I am not going to get a loan for free but at this point I am starting to believe that this is ILLEGAL. 

I am making payments the XXXX and last day of every month and the balance keeps going up.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX and XX/XX/XXXX, my account was overdrawn for 5 transactions. 5 fees of {$35.00} each, totaling {$170.00} were charged to my account. 
On XX/XX/XXXX, I have called Wells Fargo to dispute the 5 overdraft fees, and after countless times of requesting a supervisor, they most that they offered to refund were 2 overdraft fees totaling {$70.00}, and the other {$100.00} were never refunded back. The case was elevated, and I have called every day on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to expedite the case. Once I finally got a hold of the case XXXX XXXX on XX/XX/XXXX, he told me that the {$100.00} ( XXXX overdraft fees ) on XX/XX/XXXX and XX/XX/XXXX were not going to be refunded no matter what, because its their policy and that I shouldve been responsible. My {$100.00} in overdraft fees has never been refunded, and my case was not resolved at all.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I am writing to formally express my dissatisfaction with Citi Bank 's handling of multiple disputes I initiated against XXXX for charges amounting to {$75.00} each. Despite providing all necessary documentation, including the letter I received from XXXX, which I also submitted to the XXXX XXXX XXXX and proof of refunds on my XXXX account, my Citi Bank account continues to reflect an outstanding balance. 

The specific details of my situation are as follows : First Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX Dispute Initiated : XX/XX/year> Dispute Closed in My Favor : XX/XX/year> According to XXXX letter, Citi Bank was responsible for crediting the funds back to my account once the dispute was resolved in my favor. However, my Citi Bank account still shows this amount as due. 
Second Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX Dispute Initiated : XX/XX/year> Dispute Closed in My Favor : XX/XX/year> XXXX confirms that the funds were pulled by Citi Bank for investigation, and the dispute was again resolved in my favor. Yet, my Citi Bank account does not reflect this refund either. 
Third Charge ( {$75.00} ) : Date of Payment : XX/XX/year> Card Ending : XXXX XXXX has successfully refunded this charge and stated that it may take 5-7 business days for the funds to appear. However, this refund is not reflected in my account, nor have the previous disputes been properly resolved. 
As it stands, I should have a XXXX balance on my account, and all disputes should be closed. The failure of Citi Bank to properly credit the refunds after multiple disputes were settled in my favor is causing undue stress and inconvenience. I request an immediate review and resolution of these issues, with all applicable funds credited to my account without further delay. 

Please confirm receipt of this complaint and provide a timeline for resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (WA)

Received an offer letter for Auto refinance from AutoPay and the letter clearly stated that I was Pre-Qualified to refinance my current auto loan with a new lower rate of 5.28 % and a lower payment than I am paying now. 

I used the online QR code to fill out their paperwork and provide documents on Saturday XX/XX/year>XXXX  On Monday XX/XX/year>XXXX  I received a call from their Representative XXXX asking a few more questions about the vehicle and in the conversation I asked about the rate. His first response was one of disbelief that I was offered the rate of 5.28 % and that he thought it would be more in the mid 6 % range. 

He finished collecting the info he needed and said he would call me later in the day. At XXXX XXXX  I received a call from XXXX and he said he had secured an offer from a lender at XXXX % to which I laughed and told him that this was an unacceptable tactic and that it was clear bait and switch. 

XXXX called me on a recorded line and I let his company know through the recording that this was not at all what was offered in the letter and was clearly a bait tactic to get me to apply. 

This company has now caused harm to my credit by running my credit report and offering a rate that is clearly not even close to their stated rate in the letter. There is no * or other note near the rate to indicate that this rate might be higher or differ from their offer. 

I have very good credit and even XXXX indicated that this rate is not available in the call. 

The simple truth is that this letter was designed specifically to bait people in knowing they can not even offer a rate this low. 

Auto pays phone number XXXX and their Representative XXXX phone Number is XXXX. AutoPays website : XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Student Assistance (PA)

This is a XXXX XXXX XXXX ( XXXX ) administered by the XXXX XXXX XXXX XXXX. The loan defaulted in XXXX, as a result of hardship caused by job loss during the XXXX pandemic. I don't know why it took XXXX XXXX Assistance XXXX XXXX XXXX XXXX this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed XXXX have BOTH a XXXX administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per US Dept of XXXX XXXX orders .... XXXX began reporting my XXXX XXXX  loan to the credit bureaus in XX/XX/XXXX. There was also a XXXX XXXX XXXX XXXX moratorium on negative credit reporting on XXXX XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly XXXX  years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

ok so I went to the atm at the XXXX XXXX and tried to take out {$200.00} dollars. I put my card in the atm machine but nothing happens, it just spit my card right back out. so I waited 10-15 seconds then I put my card back in and I took out XXXX dollars. Next morning I see in my transactions it took {$3.00} out my account saying I used the atm 3 times, but then it only took out the {$210.00} twice thats an error. So i made a claim for the {$210.00} dollars to be put back into my account. TRUIST THEN MADE ANOTHER MISTAKE By crediting me the {$210.00} I said i didnt take out, and the {$210.00} I did take out. So I had to go to the bank and give them {$210.00} back. The bank teller and truist team members over the phone kept telling me the atm shows no errors and its basically nothing they can do. So im basically being forced to pay for money I never got. I told them I will not pay the {$210.00} and I will sue truist if I have to.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally lodge a complaint against TransUnion for their refusal to remove inaccurate information from my credit report, despite my numerous attempts to resolve the matter. I have provided sufficient evidence, including a report from the Federal Trade Commission ( FTC ), substantiating that the disputed items are incorrect. However, TransUnion has consistently ignored my rights under the Fair Credit Reporting Act ( FCRA ). As this negligence persists, I am left with no choice but to consider taking legal action to enforce my rights and seek redress for the harm caused by these inaccuracies.