davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: TRUIST FINANCIAL CORPORATION (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing TRUIST XXXX  XXXX  inquiry and I would like to see the application of credit. Under the Fair CreditReporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have called multiple times because I can not temporarily lift my freeze from the website. On this most recent call with them they said there was a file error on their end and said it was " too complicated to explain ''. The person proceeded to tell me it was fixed and try again, which lead to an error page saying the credit freeze is temporarily unavailable. It was a different screen then before, but the same message. They were unable to resolve the issue and it is being escalated internally.
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paradigm Assets, LLC (FL)

XXXX XXXX ( a collection company who buys accounts to harass consumers with no founding proof ) has created a collection process that is erroneous and unfounded. This company has ruined my credit by posting incorrect debt and amounts of debt on my XXXX and XXXX credit report. The information is incorrect on both reports. XXXX has a 10-year debt on my credit report and in an illegal attempt to prolong their attempts to illegally collect a debt, they updated the account in XX/XX/XXXX. This account has been disputed since then for {$27.00}, XXXX, an exaggerated amount because this company continues to add illegal fees. According to the Bureau of Consumer Protection, XXXX must prove they have the right to : 1 ) Add their personal fees to a debt they buy 2 ) Prolong a debt, this debt should have been deleted from my credit file in XXXX 3 ) Collect from a consumer in another state ( Florida ) during a pandemic 4 ) Threaten a consumer who has no form of income during a pandemic 5 ) Attempt to collect monies without legal consent. 
Provide proof that it is lawful and accurate for XXXX to add erroneous fees to the original amount of debt. Provide proof that XXXX can attempt to collect a debt from a consumer in the state of Florida and add their fees. Provide proof as to why they are owed a debt. Provide proof that the consumer communicated with the company and was aware that there would be a collection account added to the consumers credit report. Provide proof that it is lawful to add a debt as if it is revolving credit. 

This company is not to contact me about any debt nor harass me since I did not receive lawful correspondence from this company. If this company continues to do unlawful practices I will sue them in small claims court. This collection has drastically damaged my credit report and I certainly will not deal with bullying or discrimination. Each credit report is reporting incorrect information from XXXX. I will contact XXXX XXXX XXXX and the XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit monthly to monitor my credit report ; another illegal act. This is harassment and unethical.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I attempted to purchase a {$450.00} product online on XX/XX/2022, using a website called XXXX. Following more discussion on the intended exchange, the seller blocked me from the website on XX/XX/2022, and it became evident that the whole transaction was a fraud. I immediately contacted my bank, since this is where the money transfer company XXXX, with whom I transacted, was integrated. The bank filed a claim, which they sadly had to shut thrice, since they think I initiated the transfer and have no recourse other than to wait for the seller 's bank to retrieve the monies. While I appreciate the circumstances, it is utterly unreasonable that they be without protection in this instance. I felt certain that if something went wrong, I would be protected, having used my bank to send money. Neither the bank nor XXXX assisted with me in addressing the issue ; I have photographs indicating that the whole transaction was fraudulent, and the seller 's account was even suspended on the platform utilized, as it was likely reported by several other individuals. On the XXXX of XX/XX/2022, I decided to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), but my financial institution still contends that it has no choice but to wait for the receiving institution to retract the funds since I approved the transaction by transferring money. In order to make my claim official, I've filed a police complaint which is attached below, and I'm hoping it will help them handle the issue.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (CO)

On XX/XX/2022 I believed I was purchasing one bottle of ACV+Keto from XXXX for {$6.00}, which was advertised. I clicked on the link from XXXX and was taken to the site where it asked if I wanted to purchase one bottle for shipping and handling. I clicked yes, then asked if I wanted to add more bottles I clicked no. Next thing I know I received an alert for a purchase from my Chime app and I looked at it and seen {$190.00} was charged to my card. I immediately tried finding the phone number for the company and it was very difficult finding contact information. So I contacted Chime right away and told them I was charged incorrectly. Chime opened a dispute. XXXX Chime emailed me stating there was no billing error and I would be responsible for the {$190.00} charged. On XX/XX/2022 I forwarded to Chime the email I received from this company after emailing 2 companies I thought could be the one that incorrectly charged me. I called Chime on XX/XX/2022 to see why dispute was denied and I was told by the agent it was incorrectly closed for receiving incorrect product. I never received a receipt from this company that charged me incorrectly. I just received another email from Chime XX/XX/2022 " We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. '' I know I was charged incorrectly, never received a receipt, have not received any product, and I feel the decision Chime has made is incorrect and I do not owe {$190.00} for bottles of a supplement I did not want. I was willing to pay {$6.00} for one bottle that was advertised. There was no checkout page on this company 's website for me to even be given a chance to back out of buying anything. This is a scam and the financial institution I trusted to protect me and my money has not!
Consumer complaint received 2022-07-18
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (VA)

I previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX  between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian located in XXXX, Texas has refuse to remove a Loan balance from my Credit report. I have made an attempt to get my Credit Score from Experian and they refused saying I do not have not enough Credit in my Credit file to obtain a Credit Score. There is one item I am still being haunted by is the XXXX XXXX XXXX Charge-off. On the Credit report I received ) n XX/XX/XXXX the Original Balance reported to Experian from XXXX XXXX XXXX was {$17000.00}, but the balance in XX/XX/XXXX had dropped to {$15000.00} as of XX/XX/XXXX. Therefore, that means payments were being made to the purchased of the Loan. On XX/XX/XXXX I received another Credit Report from Experian Credit Bureau stating the Original Balance was {$17000.00}, but the recent balance as of XX/XX/XXXX was {$16.00}, XXXX. That does not make any common sense. Experian has not been communicating with XXXX XXXX XXXX Services at any time. XXXX has the Loan being re-finance and the Payments dropped from {$400.00} a month ( the original amount at the tome the Loan was signed ) to {$300.00} per month without XXXX XXXX nor Me as the Co-signer the XXXX XXXX was re-finance as of XX/XX/XXXX which is illegal. I do not see a change amount of the re-finance on the Experian Credit Report I revived on XX/XX/XXXX. I Have Reasons to Believe Experian is making up amounts as a Debt Collector would do, and I never knew the three Credit Bureaus has the Authority to collect Lenders Debt. I have written XXXX XXXX XXXX XXXX ( XXXX ) Certified Letters since XXXX of XXXX to XX/XX/XXXX, but no one has answered any of my concerns. I have asked for a complete Payment History and the amount the car was sold for after the car was picked-up. XXXX knows I am entitled to that information by Laws. I have recorded several phone calls I made to XXXX XXXX XXXX with a call back telephone number, but no one has called me back. Since I know XXXX XXXX payments were paid on the Loan @ an amount of {$400.00} per month, so that means that My so an I are due a refund, because we paid more to XXXX XXXX XXXX XXXX was reported on XXXX and My Credit File . The total amount that was paid on the Loan from XX/XX/XXXX to XX/XX/XXXX was {$20.00}, XXXX.
Consumer complaint received 2022-07-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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 2022-02-01
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. (IL)

this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2022-07-10
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. (GA)

There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Please Stop letting hackers hack my Account. 
I have called Wells Fargo several times and even gone into branch locations asking that : 1 ;. Nothing paid if the money is not in the account and 2. No recurring be allowed to go through on the account. None. None. None. 
I also signed the form for nothing to be paid if the money is not there. Still, I have to keep calling over and over again. Hackers are authorizing these recurring charges and it is not me. I never, never authorize any recurring payment and I keep asking them over and over again to not allow them. 
At the end of XXXX I once again called and talked with XXXX. She said she took care of it but then a few days later on XX/XX/XXXX a recurring charge went through again. So, I had to call again and they did waive the fee but this is an ongoing issue that keep happening. I am not authorizing ANY recurring payments. I do not want any recurring charges to go through on my account EVER!! The hackers are doing this. So please stop. Please stop.
Consumer complaint received 2022-03-02
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (WA)

I bought a {$200.00} gift card ( Issued by Blawkhawk ) and received {$98.00} in ( XXXX ) charges within 30 minutes of checking the balance on the card at a site that came up first when I searched their web address on the back of the card. I'm not the first ( over XXXX complaints at the XXXX XXXX XXXX  ) Itst ' been almost a month and they've done nothing but try to bury me in forms and red tape. ( I had to fill out a form listing the XXXX charges separately including the name of the scam company on each line ). According to various sites there have been numerous reports of fraud on the phishing site but Blackhawk still allows the charges to go through. there are Several complaints on the XXXX site claimed the phishing site was owned by Blackhawk and after this ordeal I am beginning to suspect that may be true.I 've disputed charges on other cards and have always been able to resolve fraudulent charges over the phone, I have no way to electronically sign the forms they emailed me. Also the require me to list each of the XXXX charges manually when the aleady have a list. I explained that I can't Esign and that I don't have a smart phone and they a couple of times and instead of explaining how to do this and offering help they just keep sending me the same forms and instructions. ( 3 times so far )
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CT)

XX/XX/2022 a phone call was made to debt collector demanding re-verification as well as a copy of the original contract with all parties involved. Have yet to receive appropriate documentation. 
Violated 15 USC 1681 [ a ] ( 4 ) as I was not contacted by the debt collector to verify my identity before reporting this debt on my name. 
Violated 15 USC 1681 ( a ) ( b ) as the information being reported ( without validation of whom the consumer is ) was not fair and equitable to the consumer.
Consumer complaint received 2022-07-10
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. (IN)

On XX/XX/2021 I requested a payoff for my mortgage, with XXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Consumer complaint received 2022-07-10
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 XXXX Account 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 2021-12-13
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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.