davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (CO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

The creditor charged off and closed the account in XX/XX/XXXX. The company continues to report an increase in the balance and that the account charged off each month. The company increased the balance reporting XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX. The company is accessing my credit report for no legitimate business purposes. The account has been disputed with the major credit bureaus, however, the inaccurate information remains on my report. I continue to get alerts that the balance on the account has increased, and that the account is past due. The status is reported as charged off/closed on the credit report. The company is acting in an unfair and illegal manner by continuing to access my credit report after the charge-off/closure of account. The customer service representative for the company stated the account was in an accelerated pay-off status in their view. I have reported to the three major credit bureaus about the abuse. The company has been permitted to access my personal information repeatedly.
Consumer complaint received 2023-02-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (SC)

I have another complaint for the same company. In the original complaint, they reached out via phone and my wife didnt identify herself. The guy still proceeded to give the email address and address to the unidentified person ( which thankfully was my wife. Then Im their response they said they were going to stop contact with me but didnt. They still emailed my wife. Now we get a random email to my wifes phone email with no context other than a name and phone number. Supposedly proof that the debt is valid except they didnt send everything to validate the debt. They sent the documents without protection on it, so thankfully my wife still had access to that email. So many times my privacy has been violated. Even if it was with my wife. They didnt know that and willingly gave away my information
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 Chase Bank put a freeze on my account due to a wire initiated by my father from XXXX my father unexpectedly passed away so XXXX flagged the wire as fraud, I have since gained administrative rights to my dads estate so XXXX lifted the hold on the wires they are now authorized but still Chase bank refuses to work with me to unfreeze my account. I have been given the run around hours on the phone, in the branches and no one will help resolve the issue. I get secure emails that have bogus numbers to resolve the issue, they tell me my money is frozen by XXXX XXXX a back office of chase bank but theres no way to contact them. This has been 3 months all my money is tied up my business is going under my car is going to be repoed and I have an eviction all due to Chases unwillingness to resolve an issue.
Consumer complaint received 2023-10-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

XX/XX/XXXX after speaking with multiple customer service representatives I was denied paying my car note through any online or over the phone service with ally due to the accusations of them trying to pull my car note multiple times and I was told only money order XX/XX/XXXX ally got both XXXX and XXXX money order in the amount of XXXX. On XX/XX/XXXX the XXXX payment was sent the exact way through XXXX in a money order they shows it arrived to the XXXX box XX/XX/XXXX. Ally have told me over again they cant find it as well as call back as well as its negatively affecting my credit score. I was grab told that XXXX XXXX XXXX not checked daily use another which I sent XXXX payment to with still no answer on the XXXX money order to be told today to try to get a refund and resend them but never told how I would be covered with delinquency going on my credit! This is unacceptable I have been with ally since XXXX down to my last two years and they are ripping me off Im losing money and bad credit score because they dont want to investigate internally to see where the money orders are they havent even been attempted to be spent as I track them which they also have the serial numbers on!!!! I will contact a lawyer to move forward
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Hello, On XX/XX/2024, I lost my physical Citi Premier credit card and discovered 3 pending fraudulent/unauthorized charges on my account : 1.XXXX XXXX XXXX XXXXXXXX ( Online Merchant ) - {$1500.00} XXXX XXXX - {$37.00} XXXX - {$6.00} On the same day XX/XX/2024, I immediately called to report my card lost and report the fraudulent charges. The old compromised card was closed and a card replacement with a new number was issued. The charges were marked for fraudulent investigation though they were pending. Officially, the fraud dispute process did not start until XX/XX/2024. Since then, I have not heard anything from Citi and the charges remain as part of my current balance with an approaching payment date to pay the amount. No temporary credit was issued. I understand that Citi bank has told me that I do not have to pay these reportedly fraudulent transactions while the investigation is happening. However, it is not fair to have these charges on my balance WITHOUT a temporary security credit. The reasons are as follows : 1. The fraudulent charges are marked under investigation but still account as part of my statement balance and an approaching payment date of XXXX XXXX XXXX  is when the balance is needed to be paid. This has the negative conseqeuence of having big balance and high utilization ratio reported to the credit bureau since they are not aware these charges are under investigation. As such, my credit score is negatively impacted for the time being. 

XXXX. Given that these fraudulent charges are still part of my card balance, it counts against the total allocated credit limit I can use. Again, I'm being penalized for acts of fraud. 

XXXX. I have never seen such a degree of negligence by a bank in my whole life. Any other bank would have issued a temporary credit while the charge is investigated. ALSO, any other bank I have used, would have verified these transactions much more thoroughly and prevented the fraud attack in the first place. Interestingly, I have not received a single notification of these charges from Citi despite one of them being valued at {$1500.00} at an online merchant I have never done business with. In many cases and given the characteristics of the transaction ( Online/large amount/new merchant ), the bank will always verify with a second factor authentication. However, Citi DID NOT attempt this and instantly approved the fraudulent transaction. This demonstrates negligence from Citi side to protect their customers. 

The Citi fraud team has been not cooperative in any attempts to listen and answer my concerns despite NUMEROUS call attempts and false reassurances.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX XXXXXXXX ( late payment account ) XXXX  XXXX ( late payment account ) XXXX XXXX  XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX  XXXX XXXX  XXXX ( charge off account ) XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

I have had multiple accounts with wells fargo for many years; including personal checking, personal savings, personal credit, business checking, business savings, and more. In 2015, I was sent a letter informing me that all my accounts were going to be closed in 30 days. I contacted wells fargo branch, HQ, and risk department and nobody was able to provide me with a valid answer to why the accounts were being terminated. I had to go through a lot of hassle to transfer my business dealing to another banks. All my account were in good standings, no unlawful or fraudulent activites ; all 100 % legal business related transactions.
Consumer complaint received 2020-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA (OH)

For approximately one year now I have been receiving several calls/voicemails daily from Kia Finance XXXX The man leaving the voicemails says his name is XXXX with Kia Finance and would like me to return his call. He insisted the message was for XXXX XXXX ( I am not XXXX XXXX. After several unsuccessful attempts at reaching XXXX, I was finally able to get through to who I assumed was a representative and asked to have my number removed from the call list as I am not XXXX XXXX. I stopped receiving calls for about two weeks when I received yet another call from XXXX today ( XX/XX/XXXX ) who now believes I am XXXX. 

The number XXXX calls from is XXXX and the number he leaves for me to call him back at is XXXX. Im getting very fed up with receiving these calls/voicemails. Im not certain if it is a scam or if it is a legitimate Kia Finance representative looking for a customer. I would greatly appreciate the help.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I submitted PSLF and Mohela said I qualified and then discharged my loans from my account in XX/XX/2023. In XXXX I received an email saying my loans were in administrative forbearance, so I called. They said they made a mistake when they forgave my loans so I needed to recertify and start paying.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-31
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. (CA)

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. 

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 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.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ND)

We were scammed out of XXXX $ from an unauthorized fraudulent wire transfer made out of our savings account last XX/XX/2021. Wells Fargo did not help with this at all. We do NOT allow any wire transfers from our accounts. It states that on our account and wells fargo allowed this wire transfer to go through. 
I called and made several complaints to Wells Fargo and to our attorney generals office.
Consumer complaint received 2023-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (OK)

XXXX requesting XXXX, Experian, and XXXX, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX XXXX, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX. I presume no evidence of the XXXX XXXX therefore exist. Peace Family XXXX : Also Known As : XXXX, XXXX, XXXX   Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : 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 Inquiries : XXXX XX/XX/XXXX