davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion is denying me my right to access my XXXX XXXX  through the online portal. I have an account, which I was able to successfully log into, but when I'm being denied access to my XXXX XXXX, as well as the dispute center. I have called on numerous occasions, but still, no resolution provided.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, Transunion and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of XXXX XXXX by judgement by XXXX XXXX XXXX XXXX on XX/XX/year>. Court case or file number XXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (MD)

I am filing a complaint against BULL CITY for reporting an unauthorized collection account on my credit report. I hereby declare that I do not, and have never consented to any contract purportedly established between myself and BULL CITY, as there exists no signed contract between us in accordance with UCC 2-201. 

The reporting of this account constitutes aggravated identity theft under 18 USC 1028A. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

I demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to this alleged obligation. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action.

Furthermore, I hold the credit reporting agency accountable for failing to investigate the accuracy of this account prior to allowing it to be falsely placed on my report. This failure to verify the legitimacy of the account violates the FCRA 's requirement for maximum possible accuracy in credit reporting.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I disputed a transaction in which i paid for a service and the supplier of the service then ghosted me and provided no service at all. I disputed the transaction and wells Fargo denied my dispute with no reason at all and left my account with a negative balance, i tried to reopen and they closed my account with a negative balance. I believe they are trying to send my negative balance to collections and ruin my credit score. this is not fair at all.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

ACH payments scheduled for XX/XX/23 were delayed. I contacted Chase on or around XX/XX/23 to inquire on the status of my deposit and was told they were working on processing ACH payments but did not know when the funds would become available. I explained that I would receive a late fee from my landlord due to NSF and was asked to visit a branch to request reimbursement if a fee was assessed due to the delays. Additionally, they noted I would not incur any fees by Chase. The funds posted to my account on XX/XX/23. 

On XX/XX/23 my landlord issued a {$25.00} NSF fee and a {$50.00} late fee on XX/XX/23. 

On XX/XX/23 I visited a branch in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with the teller, providing a copy of my tenant ledger, I requested a reimbursement for the late fee assessed by my landlord. She instructed me to contact the claims department via telephone and said they are unable to process my request in branch. 

On XX/XX/23 I contacted customer service via telephone at XXXX and was transferred to the claims department. After speaking with the representative, it was made clear to me that they would not provide reimbursement or credit for the fee because the fee did not originate from Chase despite me explaining the situation and the cost being a direct result of delays related to the ACH deposit mishap in XXXX.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-07-31
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. (FL)

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.

The letters are stated with items and issues.

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 2024-08-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (FL)

I have had an XXXX XXXX in the USA for over two years, with the company currently in good standing. Today, I discovered that my Wise account has been closed without any prior warning or explanation. When I attempted to log in, I was redirected to the attached screenshot, which prevents me from accessing my account. There is also no way to appeal or request reinstatement. 

I am urgently requesting that you reopen my account to allow me to continue my necessary business activities. If any additional verification or business documentation is required, I am more than willing to provide a full explanation along with the appropriate legal documents. 

I would greatly appreciate your prompt attention to this matter and the reinstatement of my account.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC (CA)

I received today a bill from company name American Coradius International LLC. The wanted to collect {$900.00} for something related to XXXX account from XXXX dated XX/XX/XXXX or between XX/XX/XXXX and now. I don't have any ideal what XXXX is. I don't have an account with XXXX.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (CA)

My name is XXXX XXXX XXXX, and I recently encountered an issue with my Wise account. I created the account to transfer money to freelancers working for me in various countries. My registered email with Wise is XXXX. Everything was going smoothly until Wise requested at least three months of bank statements. 

At that time, I could only provide two months ' worth of statements from my XXXX XXXX  account, which I promptly submitted. I requested a few more days to generate the third month 's statement, and Wise initially agreed. However, without any further notice, they abruptly closed my account, leaving me without any right to appeal or reinstate it. 

Whats more frustrating is that theres no available support or email address to contact Wise after the account closure, as all support is only accessible within the account itself. 

This situation feels extremely unfair, and I need assistance in addressing this matter.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

Checking my credit report, I noticed a series of accounts in the name of XXXX  ( XXXX, XXXX, XXXX, XXXX ), LVNV FUNDING ( XXXX, XXXX ), and XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-02
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: ALLY FINANCIAL INC. (NC)

I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor XXXX I recieved a response for the original complaint XXXX where Ally responded saying they have refunded the {$140.00} plus interest on XX/XX/year> XXXX my surprise on XX/XX/year> to see they have REBILLED the same amount again & when I called I am told the claim investigator went into my claim reopened it and rebilled it back this should be illegal & a breach of my dispute rights. This claim was already closed and found in my favor. This claim investigator needs to be held responsible for this! If they have done this to me I can only imagine who else they have done this too!

They have since sent me a letter in May stating they have refunded this amount via their customer relations department but then 5 days later it was REBILLED AGAIN & they also closed my account and when I called to ask why I was told that I closed it which is a complete lie I need someone at this company to actually do their job and fix this
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (OH)

XXXX XXXX says I've only payed XXXX XXXX towards my auto loan but I gave them XXXX dollars down for the car and have been giving them XXXX every month for a year so I'm just wondering where my money is going and why is my credit not going up at all
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX XXXX 
XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Dear XXXX XXXX XXXX ; Infiniti Financial ; Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2024 XXXX Ga Wells Fargo, Went in person and tried to deposit XXXX into a friend 's account that is put of state and needs help, They said their policy is you can't deposit cash into someone else 's account, I ask what possible harm could it cause, I'm not trying to withdraw, just trying to put money in, they said we don't allow, I Saud that's the stupidest thing I've ever heard.

I called the complaint line and spoke with customer service and was told underhanded people did wrong/ bad things that messed it up gor everyone else -- -????

Makes no sense at all - who cares? What bad thing could possibly come from putting money into someone else 's account? Maybe some idiot could say later I changed my mind? Too bad it's done, I suspect it's really because they're not making money on it but guess what, I would have paid a fee to help my friend out. 
Stupid, Uncaring about customers- Not my account -- news flash, not trying to withdraw- trying to deposit. I will be adding to any blog I can find.
Consumer complaint received 2024-07-07
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. (MS)

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802. I AM INVOKING MY RIGHTS UNDER 15 USC 6802 TO OPT OUT OF THE DISCLOSURE OF MY PERSONAL INFORMATION.

The following items listed below is in violation 
of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX are reporting transactions as late to XXXX, XXXX, and TRANSUNION which is in complete violation of the law and I have attached a copy of my credit report as proof of discrepancy. 



( ( 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ) ) My Transactions or experiences with your company by law are excluded from my consumer report and I need this transaction or experience deleted from my consumer report. 

There is NO LAW that states you have to report a transaction as a late payment if so please provide that law which you can not provide because there is no such law that exists.The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I requested that XXXX XXXXXXXX XXXX XXXXXXXX provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ) and they did not send me this tracking number because it cant provide as to they never mailed or delivered a periodic statement. So in this case I demand the deletion of all transactions listed as late on XXXX, XXXX, and TRANSUNION as they are unlawful to report and subject to {$1000.00} fine per each violation. 
I have kept a record of all documentation I have sent out and all phone recordings that will be used in the event of an action against the company and credit reporting agencies for consumer law violations, more specifically The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b .
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.