davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX XXXX veteran with XXXX  young children.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX to pull my credit report, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my credit report once, XXXXXXXX XXXX is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
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. (VA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX  XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 

1..This card was a sears card and was transferred over to a shop your way mastercard from citibank north america.when XXXX closed and went bankrupted. 
2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 
3..After many disputes with CFPB, transunion, XXXX , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 
4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 
5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 
6..Because XXXX lying behavior.they claim they arent affliated with sears/kmart but indeed they are.Please see attached dispute responses from XXXX. 
7..XXXX and XXXX credit card is/was XXXX and so is XXXX XXXX XXXX mastercard. 
8..On XXXX XXXX, i called citbank reference number XXXX, and citbank cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 
9..XXXX closed my account that i did not ask for 10.XXXX is lying This is reporting on all credit reports as XXXX/XXXX your way Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that citibank would not produce. 

Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent check n go loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX XXXX XXXX XXXX Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with check n go. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OK)

Received letter from Wells Fargo that said in part : " Regretfully we are unable to cap fees at {$8.00}. '' It is my understanding that large banks, like Wells Fargo, do not have the option to refuse capping late fees at {$8.00} which means they are in violation of your rules. This will be the second time I've complained about this problem. In many cases, it is is the fees, which I don't find out about until weeks later, that cause the payments I submit to be insufficient which then goes against my credit rating as being unreceived.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I bought my condo in XXXX and since then I have refinanced multiple times. During all my refinances I have never been required to purchase XXXX insurance. In XX/XX/XXXX, when a loan broker approached me for a refinance I informed them that I do not have XXXX insurance nor would I be purchasing it. They didn't seem to mind and indicated that they would go through the underwriting process and shop my loan. My loan closed in XX/XX/XXXX and since then the Mortgage Company has been harassing me to purchase XXXX insurance. I told them that from the beginning I told the broker I did not have such insurance nor would I purchase it. In XX/XX/XXXX, the Mortgage Company force placed the insurance and is now trying to collect payment from me. This is unbelievable since I let all parties involved from the beginning that I would not be purchasing it. I need this harassment to stop and to cancel the forceplaced insurance.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (NJ)

PNC Bank and PNC Merchant Services are trying to charge me fees and collection charges for the month of XXXXXXXX XXXX for my Business account that was closed in XXXX XXXX. PNC extended my account closure date another month in order to charge a fee and send it to collections. PNC never sent me any notification that my account would remain open until XX/XX/year> ( without my permission ). PNC never informed me of additional fees and charges would incur AFTER the account is closed. I spoke with Reps from both PNC Bank and PNC Merchant Services and was told that it takes up to 30 to 60 days to process an account closure and they usually ask the customer to leave the account open in case any last transactions come through. Well my account had not had any transactions for several months, which is one of the reasons it was being closed. I agreed to pay the bank fees accrued while the account was dormant of {$91.00} dated XX/XX/year>. I called the bank to make sure there was nothing else owed and that this would prevent any collections or notices to credit bureaus. The fee in question was {$4.00} in which I had no knowledge of the fee until I received a letter XX/XX/year> to collect {$200.00}, which includes {$100.00} in collection fees and confirmed by the representative today, XX/XX/year>. Allegedly, {$4.00} monthly fee for XXXX could not be deducted because the account was closed. Therefore, it was sent directly to their collections dept and they added collection fees. I should have been notified by mail, email or phone call before adding more fees. Also I have received an email from XXXX XXXX ( PNC Merchant Services ) that this same process is happening with them because their renewal fee of {$49.00} was returned because the account is closed. and now they see that it is in collections and will need to send it to their collections in order to find out when the account was closed. This is turning into a nightmare over {$4.00} fee that I should never have been charged for in the beginning.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERENCES are any payments. Whether good or bad, late or on time.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I purchased a product from a company, XXXX XXXX XXXX, for the amount of {$3200.00} and ended up having to get a refund. The credit card used was Capital One and I made 6 monthly payments of {$530.00} from XX/XX/XXXX to XX/XX/XXXX ( 6 payments ). 

When the refunds finally showed up on the statements, it was shown that the company did refund the 6 payments ( {$3200.00} ) but Capital One showed they were only going to refund {$2600.00} ( which happens to be exactly {$530.00} + {$55.00}, the {$55.00} being a charge for bug extermination from XXXX. Why have I been charged this extra {$590.00}? 

These were the only charges I had with Capital One from mid-XXXX XXXXXXXX to XXXX XXXX and I always paid the amount due in full. 

To me it is basic math ; I payed out {$3200.00}, I should be refunded {$3200.00}, not {$2600.00}. 

When I called Capital One, the first attendant could not figure out the problem of why I was not being refunded correctly. So they sent this to the " highest '' level and I was spoken to by an attendant who merely went over the statement with me. I asked him point blank if he does not see the basic math with the situation and he responded that the statements tell the whole story as if there could be no errors in the statements.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I had chime for yrs now I had to constantly get new cards and most the time I haven't received my new card and money was just missing XXXX or more from places I never joined ATM fees that weren't suppose to take fee my record will show how many times I had to reorder card I lost so much money and bow lost my job cause of domestic problems at home I just heard of chime problems or law shut about taking g m9ney from customer and it makes sense why this was happening I even got ahold o these this place is and I'm not even signed up with them my information is not in the system and there was no money taken out for them or they took no money out so this would make sense and I had problems with trying for years I have to keep my card lock it's it's annoying I lost so much money between ATM fees that weren't even supposed to come out when they're supposed to be see free I got some charge so I'm so badly money was coming out of my account I canceled my car when I talk to him they cancel it and then I would have to call back like a couple days later to literally get my virtual card and a brand new card sent back to me cuz I was having over {$100.00} to take out of my account for places I wasn't even signed up with and I still haven't received any of my money I lost all of that still have to keep my card locked from them doing this I can't get out of my overdrive I have to use my overdraft every week and now since all that was happening I literally lost XXXX for some situations so wasn't even my fault they shouldn't even let me go I just I read about this and then make sense now so I really want to look into this I deserve get my hard-earned money back
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020, I opened a checking account with Suntrust ( now Truist ) at a branch location in XXXX, Georgia and deposited a check for {$2500.00} from XXXX XXXX, XXXX made out to me. 

On XX/XX/2020, I received confirmation that {$2500.00} was transferred from XXXX XXXX to my Suntrust account. 

On XX/XX/2020 I tried to check my account online but was denied access to the account. I called Suntrust and was informed that the money was debited and would be refunded to me 15 days after the account was closed. The customer service agent confirmed my address for the refund check. I did not receive a refund check within 15 days. 

On XX/XX/2020 I spoke with another Suntrust representative who told me the check was issued and sent to my residence but would not confirm the address. I did not receive the check. 

On XX/XX/2020 I met with a Suntrust XXXX XXXX ( XXXX, GA ) customer representative and inquired what was going on and how to recover the money. They now informed me that the account was closed due to fraud and that the money would only be released through " reclamation. '' They would not provide any reason as to why fraud was suspected. 

On XX/XX/2020, I spoke with XXXX in Suntrust 's Fraud Division. She was also unable to provide any information as to why my account was closed or where the money was. She then informed me that Suntrust would need to remit the funds to XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). She suggested that I contact XXXX XXXX and have them instruct XXXX XXXX to request a reclamation of the original check to speed up the process. She also stated that Suntrust was still investigating the account and could not provide a timeframe for resolution. I do not understand why Suntrust would freeze my account if they are still investigating potential fraud, as they claim, and have not made a determination that there is fraud. 

I spoke with XXXX and she requested XXXX XXXX request a reclamation. XXXX XXXX informed me that the reclamation was processed on XX/XX/2020. However, to this day, XXXX XXXX bank still has not received the money from Suntrust. To this day, I still do not have my {$2500.00} or any answers from Suntrust. 

I am a retiree and I am sorely disappointed in the lack of transparency and information about this process. As a retiree, I am living on a budget. While {$2500.00} may not be a large sum to many, it is a significant amount for someone in my position. 

I would like an answer and I would like my money back.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC (WI)

Below email arrived in my email box. I don't own any money to the company, never did business with the company!! I don't know who they are and there is no phone number to call, only XXXX email address!!! 



Debt Collection Agency XXXX To : Debt Collection Agency Bcc : XXXX Thu, XX/XX/XXXX at XXXX XXXX  NOTICE OF WAGE GARNISHMENT from District Court Case File : XXXX Notice Issued On : XXXX XXXX, 2021 Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Dear Debtor, This is our official notice to you regarding the due payment with XXXX XXXX XXXX.You have defaulted to pay the dues. 

TO THE GARNISHEE : The creditor has obtained a court order against the debtor.The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by instalments ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency ( a ) All debts now payable by you to the debtor within 7 days after this notice is served on you ; and ( b ) All debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued within 7 days after they become payable. 
The total amount of all your payments to the clerk is not to exceed $ XXXX.THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied.If you do not pay the total amount or such lesser amount as you are liable to pay, You must serve a Garnishees Statement ( Form 20F ) on the creditor and debtor and file it with the collection Agency within 10 days after this notice is served on you. 
If we do not receive the payment in full by XX/XX/2021 ( deadline ), We will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 
We are open to discussion until XX/XX/2021 but after this date, We will have no other option to go with the legal proceedings. 
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2100.00} and we are sending you this notice to let you know what we have done in response to the garnishment order.You can contact your creditor for the settlement amount. 
Please reach out to us immediately if you would like to set up a repayment plan.