davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a text saying my bank account was compromised and to respond with Yes or No if I tried to do a transaction of {$3500.00}. The number was the Wells Fargo message number after I responded No, I got a call immediately from a bank representative. The phone number was the legit Wells Fargo number as I had double-checked the back of my debit card. They said I'd have to XXXX  myself the funds that were compromised, since the daily limit is {$1000.00} they set up an appointment the following day to finish it. The next day on the XXXX the scammer who impersonated the bank did call me on time and asked me to wire transfer the funds to myself. I figured it was legit since as stated they masked their real number with the Wells Fargo customer service number and followed the exact same procedures the bank does. The scammer however had access to my mobile login info and was able to use my information to send the money to his own account which I found out is a XXXX account. I called the XXXX to ask for a follow-up explanation and they informed me it was a scam. Immediately the lady who answered me made me feel ridiculous and said this fraud was all over the news. I had no idea this was happening as Wells Fargo didn't address this mass fraud problem in an official letter until the XXXX of XXXX. I have been going back and forth with the bank trying to get my money back but they are saying it's my problem as I ultimately sent the money. It's insane that it's been nearly 3 months of me being sent back and forth to different departments with representatives not even knowing how to handle it, and me spending nearly 2 hours on the phone with them. I have no clear answer as to how or if I will be able to get my money back, as the claims have been opened and closed multiple times. The last solution I can think of is filing complaints and having to talk to the FBI.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

This is the 2nd time a collection agency has attempted to collect debt from me for a phone service that isn't mine. I have never been a XXXX customer. The first time was XX/XX/XXXX with XXXX XXXX and now Diversified ADJ SVC is claiming to collect money. The amount is for {$2200.00}. 

I didn't even get any mail or emails from this collection agency stating I owe anything, it just showed up on my credit report one day. It was opened on XX/XX/XXXX but I didn't get a notification until early Nov with XXXX XXXX I tried disputing it with XXXX credit report dispute on XX/XX/XXXX and they said I needed further investigation. 

The original Creditor name is XXXX XXXX listed on my credit report. 

How do I resolve this so it does not happen again?
Consumer complaint received 2021-11-29
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. (PA)

this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 2020
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CO)

I had 6000 stolen from my account. I tried to stop the theft from occuring by calling the bank and telling them my account passwords were changed and compromised. But they kept the account open and 1k was stolen on that night. The bank said that because I still had my card present they couldn't refund me the money. Now my account is negative 1k and I'm so frustrated and feel robbed by them. I even went into the branch and told them and they just assured me I'd be taken car of but we're late submitting my claim. They said it's impossible to duplicate a card but it isnt and they are being duplicated as mine was please help me!!!
Consumer complaint received 2021-11-29
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. (MI)

. 
These accounts were add without my written consent, I'm demanding all accounts and inquiries be removed immediately. 
They will say the debt needs to be verified first, REPLY. IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm XXXX agent pursuant to 15 usc 1602 o I'm the administrative agent I'm not the owner the social security card belongs to the social security XXXX I have to give it back upon request, so therefore, I'm not the owner! I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
You're talking to the consumer, they can't validate any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge. 

15 USC 1681a ( e ) it stayed you have to do personal interviews with neighbors, friends or anyone associated with the consumer with is myself '', you guys didn't do that! 

Now under the law my federal consumer rights, according to 15 USC 1681b ( a ) ( 2 ), I'm instructing right now to remove all the accounts and inquiries according to my written instructions I don't consent to any of this being reported, I do not give you guys permission to furnish any of my information.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the address XXXX XXXX XXXX XXXX XXXX fl not mine
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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. 

I have disputed these inquiries numerous times. I do not have a contract with any of these companies. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified. 

To block information under Section 605B, a consumer may need to provide the following : Proof of identity A copy of an identity theft report Identification of the information A statement that the information is not related to a transaction by the consumer
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-08-23
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. (MD)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : All Accounts
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MO)

On XX/XX/XXXX I sent a chat to Discover asking for a rate review as the rates kept increasing with no late payments or other negative activity. I didnt hear from them about the review but received a notice my account was closed. 

On XX/XX/XXXX I attempted the same approach via chat to inquire about reactivating my account. The representative stated they could not open again and I must reapply. She stated the primary cardholder closed the account. I am the only cardholder and I did not request it closed. 

I asked to file a complaint which she stated she did but couldnt give me a complaint # to reference. I have screen shots of the conversation.
Consumer complaint received 2022-03-24
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)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

I filed a regE dispute for transaction that happened on XX/XX/20 in the amount of {$58.00}. I had a product described to me as top of the line having all these features. The company called while I was in the hospital and described it to me over the phone it was for a nebulizer and at that time I gave them my card number. I never saw anything from the company or anything that before purchase I had to go off the person 's word because of being in the hospital. When I got it and saw that it was the cheapest model that is out there sold on XXXX and other medical equipment companies everywhere for {$20.00} I contacted the company they refused to price adjust, then I said I want to return it they refused to return it, wouldn't let me talk to a manager. Now Truist Bank is saying it's not a reg-e dispute and I don't see how this is not I gave my card number over the phone for a product they described that had features that they talked about that this product that I received is not it basically fraud by deception. I'm feeling this complaint because I know regulation e I was in banking for 20 years and I don't understand why Truist Bank says this doesn't fall under it.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

On XX/XX/XXXX, a fraudulent/unauthorized inquiry from XXXX XXXX appeared on my XXXX and XXXX credit reports. I made several attempts to contact the company with the earliest being in XXXX, and the latest attempt being today, XX/XX/XXXX. I was provided the same information previously provided that there would be an investigation, and I would be contacted in XXXX days. Once again, I explained that I had not applied for credit with this financial institution and requested that this inquiry get immediately removed from my report.
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

am writing to formally lodge a complaint against Affirm , Inc. regarding an issue involving a purchase I made through their service. On [ Insert Date ], I placed an order via the Affirm platform to make a purchase at XXXX XXXX. I made a deposit to load funds onto an Affirm card, which was processed by Affirm, and I was subsequently charged for the full amount of the intended purchase. However, upon contacting XXXX XXXX to verify the order, I was informed that they have no record of any order being placed. 

Affirm has acknowledged the issue but has stated that it will take over a week to refund my money. This is unacceptable and unethical, as they are essentially holding my money without fulfilling the purchase or providing timely resolution. My expectation was for Affirm to ensure seamless transaction processing, and this failure has caused significant inconvenience and frustration. I am concerned that this practice may be more widespread and could affect other customers.

Affirm 's handling of my money without providing the service promised is a clear violation of consumer protection laws, including the Federal Trade Commission ( FTC ) Act, which prohibits deceptive or unfair business practices. Moreover, similar cases have surfaced where Affirm has been sued for poor business practices regarding refunds and order processing. For instance, in Doe v. Affirm , Inc., it was ruled that holding onto consumers ' money without providing the services as promised constitutes an unethical business practice, violating both the FTC Act and local consumer protection laws.

In addition, Affirm has been involved in other class-action lawsuits, such as Smith v. Affirm , Inc. , where plaintiffs won cases concerning delayed refunds and issues related to mismanagement of customer funds. These precedents highlight the unlawful nature of Affirms practices and their potential for widespread harm.

I am requesting the following actions from Affirm : An immediate refund of the amount charged for the failed XXXX XXXX purchase. 
A review of their current refund and processing practices to prevent similar issues for other consumers. 
Written assurance that this issue will be fully resolved without delay. 
If Affirm fails to address this matter in a timely and satisfactory manner, I am prepared to escalate this complaint to the appropriate legal authorities, including the FTC, to investigate the legality of their practices. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-17
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. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXXXXXX, 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