davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo online banking has created a dark pattern where they do not provide customers with a self-serve option to pay an invoice via ACH, forcing customers to use wire transfers that charges customers a minimum of {$40.00} to make a transfer. 

The current options for me to make a transfer from my Wells Fargo online account to a business account at XXXX in order to pay my tax preparation service are 1 ) use bill pay to mail a physical check. The business will not accept checks. 
2 ) use XXXX to pay the invoice. The business I'm paying is not on XXXX. 
3 ) use a wire transfer to pay the invoice. This will charge me {$25.00} I want to make an ACH transfer and the only option Wells Fargo gives me to make an ACH transfer is to send funds only to non-Wells Fargo accounts I personally own.

This bank is deliberately forcing it's customers to choose an expensive wire transfer option in order for us to send a digital bank-to-bank transfer within the US. Wells Fargo has the ability to send money via ACH to non-wells fargo accounts not in my name but they are purposely choosing not to provide that option to customers and leaving us with only expensive alternatives. 

Their customer support team was not helpful in solving this over the phone and requested that I call the business I'm trying to pay and ask them to join XXXX or to accept a physical check which I find ridiculous.
Consumer complaint received 2023-11-03
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. (NY)

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX, TransUnion and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( XXXX, XXXX, TransUnion, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This is a follow-up to complaint XXXX which is now closed. USAA was dishonest in their response, nothing has been resolved and their staff is unable to close my account. I would like the information on how to close my account. 
Currently, I am unable to receive my bills due to the ebill feature that was established. I have made requests for USAA to disable the feature so I can receive my bills but they are unable to do that. This is adversely my ability to pay my bills and take care of my responsibilities.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has me in XXXX XXXX listed as fraud from XXXX. I tried to open a account online and was told to go to a branch with 2 forms of id which I did. But they still has it listed as fraud in XXXX XXXX and on XXXX and I don't know who else. I just keep being denied. I can't even open up a business account which I need to. This is hindering my life at no fault of mines.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

unauthorized credit inquires on my consumer credit report. 

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 2023-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens One has been auto drafting my monthly payment each month since I opened the account. XXXX XX/XX/2023, I called Citizens One and asked to stop my automatic withdrawals from my account. I was told by the representative that I have to have automatic withdrawals for that particular loan. I told the representative that I was pretty sure that is against the law and was advised there is no way to remove any of my account information, previous or current, and no way to stop the automatic withdrawal.
Consumer complaint received 2023-01-19
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2022-12-23
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. (MI)

My older Federal Student Loans from XXXX starting from 2018 are not reporting to Equifax which is drastically effecting my credit score. And My credit cards and accounts aren't reporting to my Equifax either. Please fix this issue
Consumer complaint received 2023-06-06
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: WELLS FARGO & COMPANY (NY)

My account with XXXX Mastercard was frozen due to a security concern. I made the following attempts to call the company to work to get the account fixed : XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XXXX XXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. After 35 minutes, they were able to get a security rep on the call. The security rep got some information from me ( I confirmed the activity they thought was suspicious ) and then she put me on hold. She then hung up. The security rep 's name was XXXX 

I am unable to use my card, and I am unable to pay my statement balance on this card. I have automatic monthly transactions that were declined. I also need to pay my balance so that I don't have interest or late payment reported. 

I have overall spent nearly 3 hours of my own time trying to contact somebody to fix this issue, and in the end I was hung up on.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (SC)

on XX/XX/2023 citi bank sent me an email stating they wish to end the relationship with me conserning my checking account after just opening the account and depositing funds. i contacted the bank they told me that they will sned a letter as to stating why in the mail along with a check in the amount of my funds around XXXX i have not recieved the letter nor the funds i keep calling them the keep telling me the back office is the one with the answers but wont allow me to speak with them they state that they email them and im to call back in 48 hours for the response this has been going on for the last 6 months i dont owe them any thing i offered all legal documents as to prove who i am they said i been varified but yet still wont give me my money back this has put me in a big hard ship as i have limited income.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX .... Account Name : 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.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX .... Account Name : 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.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc. (UT)

We had service with XXXX XXXX for over a decade. Our HOA changed to XXXX XXXX so we called XXXX  and canceled service. We called their XXXX number and spoke with them and was told the account was cancelled. We have always paid with an automatic debit on our CC. After cancelling our credit card was charged again. We contacted XXXX for a second time and cancelled. We were again told by the customer service that the account would be cancelled and no further charges would be made. They said they had no record of the first phone call. The next month rolled around and they charge our CC again. We called them a third time and told them that this was fraud and it was not okay to continue to charge our card. We told them to make sure the account was cancelled and we would be contacting our CC company to report the second charge as fraud. We sent the info to our CC company and they denied the second charge. We heard nothing more from XXXX about the matter. We then get a letter from a Collection agency saying we owe XXXX. We contacted the agency and they said they could do nothing and to take it up with XXXX. I have spent over an hour on the phone today and gotten nowhere. They say they have no records of our phone calls to cancel and the charge is valid. They said if I can't produce days and times of our calls they can't do anything. This is how loyal customers of over a decade are treated. They conveniently have no record our calls.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit, Inc (MS)

1. Identity theft by sharing private information with third parties.

2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.

3. Company has not paid transfer tax.

4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.
Consumer complaint received 2022-12-23
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)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and found improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NH)

This is a predatory loan by Discover. Loan ( s ) were taken out in 2011. I have paid nearly {$65000.00} over XXXX years on 2 loans that were for a total of {$49000.00}. I STILL owe over {$36000.00}. They refuse to lower my monthly payment and it is destroying my credit and crushing any hope of owning a home/starting a family. 

Here are the details : XXXX XXXX - XXXX 8.625 % ( this is the current rate ) - variable XXXX XXXX - XXXX 11.125 % ( this is the current rate ) - variable Discover states that the terms ( including variable rates ) were disclosed during application process, which is probably true, however I am just finding out about this now. I admit I was young and inexperienced when I took these out and don't remember the conversations during the loan process but I have never once been told that these are variable rate loans.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I was gifted a Visa Gift Card for {$100.00}, purchased from XXXX, which makes it a Kroger Gift Card and I believe it was issued by US Bank Gift Card. In contacting the number on the back of the card, the representatives are unwilling to give me the exact information. The phone number on the back of the card is XXXX. 

When I originally opened the gift card to register it online, I discovered I was unable to register the card. So I then called the gift card company to report this problem. They told me the gift card was already registered, which was a shock to me since I had just opened the card. This happened on XXXX. I was told to fax ( fax # is XXXX XXXX XXXX ) a copy of the card, as well as my driver 's license. I did this and and when following up was told I needed to resend my driver 's license. I re-faxed everything on XXXX. I then called to check the status of the case, and was now told that I needed to provide a copy of the receipt. As this was a gift I didn't have the receipt, but was told that I needed to ask the people who gifted it to me to get me the receipt. In so many words, I was told by a supervisor of the gift card company that this process is designed to make it difficult on the victim so as to weed out people who might be lying. After all this the original purchaser then went to the grocery store where it was purchased and asked the manager to pull up the receipt. It was eventually emailed on XXXX. I am in the process of faxing everything again, plus the receipt. I called the gift card company to see if there was a way to avoid having to fax everything as this was costing me money and time every time I needed to send correspondence. They said no. So far, along with the {$100.00} gift card, plus {$5.00} processing fee, I've spent {$11.00} in photocopies and faxes.
Consumer complaint received 2023-06-16
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: Source Receivables Management LLC (GA)

I called XXXX and spoke with XXXX, who asked me for my account number at XXXX. I did not have my phone number, but I had the account number that the collection agency had given me, XXXX. He stated that the information was not correct and that I would need to answer security questions. I told him I did have that information, only the information that was given to me by a collection agency. I told him I did not understand why I would receive a bill now when I did not receive one when I transferred to XXXX. But now that I am not with XXXX now, I have a bill that I am not aware that I owe. He told me if I could not authenticate my information that, I had to contact the collection agency, and that was all that he was able to do since the account had gone into collection. I asked him if there was anyone else I could complain to. I want to do that. He stated I would have to contact the collection agency if I needed assistance. I attached the information from the agency, and I recorded my call with the agent.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (CA)

I have sent Experian, XXXX, & XXXX multiple complaints about fraudulent transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.
Consumer complaint received 2022-12-23
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc. (MO)

XXXXXXXX XXXX XXXX ( XXXX ) billed my insurance for services rendered in XXXX of XXXX. It was denied because XXXX included information indicating that the injury was part of an accident and my insurance carrier rejected the claim because they thought it was an auto accident. 

XXXX sent the {$770.00} claim to collection, Kansas Counselors Inc ( KCI ), in XXXX of XXXX. KCI called me in XXXX and I told them it should be covered under insurance. I called the insurance company and XXXX and got the miscommunication cleared up, XXXX adjusted my account balance to reflect the insurance payment. 

KCI called me again each month from XXXX through roughly XXXX and I told them each time that it was paid by insurance and their balance is wrong. The final time KCI called I asked them to only deal in writing and to send me a debt validation and verification letter with a full detail of the account balance from XXXX because their information is wrong. They did not send me the information I requested. 

XXXX of XXXX KCI reported a {$770.00} collection to my three credit reports. I disputed the amount and KCI responded that the information was accurate. 

I spoke with XXXX on Friday XX/XX/XXXX and discovered the account was paid by XXXX XXXX, leaving only a copay due to {$190.00}. I spoke with KCI on Monday XX/XX/XXXX and informed them of the correct balance, they refused to contact XXXX for updates and will not remove the item from my credit report. I have offered to pay both XXXX and KCI the correct amount but they can not get it clear d up.