davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (MI)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 17 fraud inquiries from 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. 
Transcript Follow along using the transcript.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (CA)

I strongly urge you to please look into Wise.com, the money transfer service. 

Wise transferred, say, approximately {$2200.00}, to a recipient, on my behalf. I recognized that the money amount was not accurate. It was {$240.00} more than the recipient should have received, based on other matters. I tried to get that {$240.00} back directly from the recipient, who refused. 

I then complained to my bank and they retrieved the full {$2200.00} from Wise. 

Wise then asked me to pay them back the {$2200.00} that they transferred to the recipient, since my bank had taken it back from them. 

I said : I'm happy to pay Wise {$2000.00}, but the {$240.00} needs to be disputed, because the recipient should not have it, and Wise should not have it. Nobody should have it, because it is misappropriately paid. 

Wise said : they can not dispute anything with the recipient, and it's too bad that I'll be missing out on {$240.00}, but it's not their business, and I just need to pay them the full {$2200.00}. 

What Wise is asking me to do violates FTC standards. Even if Wise has provided a money-transfer service to a customer, they can not knowingly ask that I, as a customer, erroneously send monies to them that have been deemed misappropriated. 

There needs to be a way to safeguard the consumer when a recipient has been overpaid. XXXX has a dispute process for instances like this one, and every other legitimate service does, as well. Why doesn't Wise.com? 

If I knowingly send Wise money that is not correct, not only would I need to raise a dispute against Wise, I would also need to file a complaint about their lack of consumer protections when transferring monies erroneously. 

Paying back money to Wise is correct, but paying them any monies with full knowledge that the count is erroneous, with ZERO mechanism on their part to relieve the error is extortionate. It needs to be reviewed by the FTC, and if it is a loophole affecting masses of consumers, then this is a class-action lawsuit. 

They can not, on the one hand, take the stance that " there's absolutely no remedy for erroneous payment processes, '' and then in the same breath suggest that " I remedy my erroneous payment process '' with them. 

Also, they argue that they're " just a money-transfer service, '' with no obligation to manage erroneous transactions, and yet they recently changed their name from XXXX to Wise, for the specific reasoning THEY gave stating that they are, quote : " MORE than just a money-transfer service. '' They are an international bank account in which consumers can manage monies in various currencies.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022 a letter came in the mail indicating that Capital One had closed my account. I contacted them immediately seeing as how no other information was given in the notice. This particular call I spoke with the account XXXX of Capital Ones ' fraud department XXXX. XXXX goes on to explain that my item was received, and apparently my presentment of said Item was humorous to him, because I have him on record laughing as he fails to explain why my account was illegally closed. Only to rudely and abruptly disconnect the call. 
It seems as if this is simply how Capital One is training there employees to treat consumers who exercise their rights under their customer agreement and Title 31 of the U.S.C. As I have several conversations on record displaying this dishonorable behavior. 
I have attempted to communicate with Capital One, and I was Humiliated and very offended by their dishonorable actions. A remedy to this very issue was already generated under HJR 192 or more recently Title 31 of the U.S.C. and these Federal laws trump their company polices. And I have them on record refusing to adhere to either.
Consumer complaint received 2023-07-11
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to address an issue regarding inaccurate personal information associated with my credit profile. I recently obtained a copy of my credit report and discovered that an incorrect address and name is listed on my credit file. I insist that you remove all names from your system that do not match XXXX XXXX XXXX, I do not have another name or alias. I want to clarify that I have never resided at the address mentioned, and I believe this information is erroneous and needs to be rectified promptly. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
The inaccurate address is as follows : XXXX XXXX XXXX XXXX XXXX, MO XXXX The Incorrect Names : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records i expect removal of this inquiry immediately XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (FL)

On XX/XX/XXXX I have wired {$40000.00} to an XXXX XXXX business account in a branch in California to fund an account located on a trading app downloaded from XXXX XXXX. After doing all my due diligencies I thought the company XXXX ( a trading app specialized in stocks and cryptocurrency trading ) was legit business. However, after almost 2 months trading on the app, when I tried to withdraw my money on XX/XX/XXXX, the company shutdown my account completely and I have never been able to recover my money.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

PENTAGON FEDERAL CR UN Account type - Credit card Date opened - XX/XX/2015 Address XXXX XXXX XXXX XXXX, VA XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
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. (MN)

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by LVNV FUNDING LLC for me, under XXXX XXXX. 
Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faculty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied online for a promotional offer. They approved me. I spent money on the card to start getting my award. They then said I had it 3 years ago I need to wait 4 years. I said you approved me. I spent the money and now you say this. They did not disclose this before approving me. They could have rejected me or let me know ahead of time. That information was not clear in the advertisement. I sent them photos. I called and explained the situation several times. After being denied by letter on XX/XX/XXXX I spoke to a manager, XXXX who gave me a small XXXX compensation in miles and {$100.00} statement credit. He said he will re submit the information. I called back again XX/XX/XXXX the man XXXX said they were still waiting for a response. I called back on XXXX XXXX and the girl said to check on my next statement. I have not received any further information or credits or bonus miles. I called today XX/XX/XXXX. The man, XXXX said it was rejected, but I never got a second letter or response. He said this information is usually hidden in the fine print and he can not to anything more to help.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with DNF ASSOC company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (PA)

The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. XXXX  XXXX -- Inquiry : XX/XX/XXXX 2. XXXX  -- Inquiry : XXXX XXXX, XXXX 3. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023, Navy Federal Credit Union irresponsibly dispatched a XXXX check for {$13000.00} from my former business account to an incorrect address, without bothering to confirm the details with me. Following this blunder, I've been made to jump through hoops, filling out XXXX tedious statement of loss forms, only to be told to XXXX XXXX XXXX for XXXX excruciating days before they would even consider canceling and reissuing the check. Now, past the waiting period, Navy Federal continues to dangle my money out of reach, with their customer service parroting the same infuriating line about " awaiting supervisor approval '' with not even a hint of when this ordeal might end. The XXXX XXXX XXXX XXXX? A so-called " supervisor '' in customer service had the audacity to hang up on me, claiming she couldn't offer any further information. It's clear as day that Navy Federal is more than content to sit on my hard-earned {$13000.00}, letting it fatten their coffers, while a power-hungry gatekeeper decides on a whim whether or not to rectify their mistake. This isn't just incompetence ; it's a deliberate chokehold on my finances, leaving me to stew in frustration. What are my options for compelling them to act? Legal action? Regulatory complaints? Social media pressure? Navy Federal needs to be held accountable for their actions and forced to make this right, immediately.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I authorized a wire transfer from Wells Fargo in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an investigation and Wells Fargo issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX. Wells Fargo sent XXXX MESSAGES on XXXX, XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  was able to locate the information and according to XXXX  they responded to Wells Fargo XXXX XXXX Message XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX. They have NOT received a response from Wells Fargo. Original Claim Number : XXXX - XXXX received a letter from Wells Fargo dated XX/XX/XXXX, stating the inquiry was closed due to no response from XXXX XXXX. Wells Fargo needs to locate those Swift Messages from XXXX and respond accordingly, immediately please. I have been Wells Fargo for over 35 years and would think situations like this would be handled efficiently. The new case number I received from Wells Fargo is XXXX. However, when I call in no one can find it. I even sent a letter to corporate in XXXX. NO RESPONSE. I have been trying to get my {$200000.00} back since the end of XXXX. And, to find out Wells Fargo received a response from XXXX on XX/XX/XXXX is quite upsetting. My husband is in an XXXX XXXX facility and I support both of us. I really need help getting MY money returned. My understanding is that a, " Hold Harmless Agreement '' needs to be executed. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (DE)

THESE BIG COMPANIES XXXX XXXX  ETC XXXX CONTINUE TO INTENTIONALLY AND UNETHICALLY STRONGHOLD YOU PAY A BILL/EQUIPMENT THAT HAS ALREADY BEEN TURNED IN/PAID IN LIEU OF GIVING BACK A REFUND!!!! A SLIMY TACTIC!!! 
I have contacted XXXX and the debt collector before that XXXX  ASSIGNED ME TO with PROOF & FACTS. EVERYTIME I REQUEST MY LONG OVERDUE REFUND FROM XXXX XXXX  THEY ASSIGN ME TO ANOTHER DEBT COLLECTOR. IN LIEU OF GIVING ME MY {$150.00} REFUND PLUS INTEREST!
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

this account is charged off per 15 USC 1681. A certificate of indebtedness is reported income and income can not be reported on my credit report. the amount reported. this company claims i owe them XXXX dated XX/XX/2024 per FCRA as a federally protected consumer I am opting out of any and all authorizations per 15USC 1681
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A. (ND)

I was contacted by messerli and kramer in XXXX ( around the XXXX or somewhere around there ) about a debt i have, they served me papers. I called and emailed ( found out the emailed listed didnt work ) left voicemails to get it resolved and no response this was end of XXXX on the XXXX. Last week they sent me a letter saying they will be garnishing my paychecks and i have a week to respond. I called on sunday the XXXX, left a voicemail. Monday the XXXX left a voicemail, and still no response. I have been trying to get these resolved and they are refusing to contact me.
Consumer complaint received 2023-08-08
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. (MO)

I received a letter from XXXX XXXX telling me that this item that I dispute ( bankruptcy ) it was removed from the file with XXXX however, it has not been removed from XXXX XXXX, or any of the credit bruen
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, Upon viewing my credit reports I noticed my " XXXX - XXXX had a discrepancy in the Two-Year Payment History. Transunion and XXXX are reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. However, XXXX is reporting a XXXX late payment for XXXX, XXXX, XXXX, XXXX, XXXX. If this is the same account, reported by the same creditor how is the payment history different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please " PAID/PAYS AS AGREED, NEVER LATE " this item immediately. 



I have enclosed a screenshot for your viewing. Please see Two Year Payment History '' Section.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. XXXX, Transunion, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS