davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

Starting on XX/XX/XXXX, multiple unauthorized ACH withdrawals were made from my Wells Fargo checking account to a XXXX XXXX brokerage account in my name. I reason that the only way that could be possible is if my identity were stolen, so I froze my credit. I had my phone stolen in XXXX, and filed a police report with XXXX PD about the theft, so that could have been the source of the identity theft. My computer also could have gotten infected with a keylogger that led to the theft. 

The specific dates and amounts in question are : {$5000.00} XX/XX/20 {$25000.00} XX/XX/20 {$4800.00} XX/XX/20 {$750.00} XX/XX/20 {$15000.00} XX/XX/20 {$5500.00} XX/XX/20 {$1600.00} XX/XX/20 {$1900.00} XX/XX/20 {$6000.00} XX/XX/20 {$4600.00} XX/XX/20 {$5400.00} XX/XX/20 {$9000.00} XX/XX/20 {$2900.00} XX/XX/20 {$3000.00} XX/XX/20 Prior to these withdrawals, there were deposits into my account from an account with a different name from mine that I did not authorize. I suspect that my Wells Fargo account was being used as a funnel to move money to the thief. 

I did not realize the transactions immediately because I do not check my balance often, and my balance fluctuates due to recurring preauthorized transactions and direct deposits. I was never notified about these transactions by Wells Fargo even though this is extremely unusual behavior for my account -- I never make large ACH withdrawals. 

I noticed the unauthorized transactions on XX/XX/XXXX after receiving an " insufficient funds '' notification a few days prior to that, and was confused as to how I could have insufficient funds. I filed a claim on XX/XX/XXXX ( well within the time period permitted by Regulation E ) by calling Wells Fargo and noting unauthorized transactions on my account. 

The investigator assigned to the claim denied the claim on XX/XX/XXXX. She took issue with the fact that I logged into my Wells Fargo account in the time period after the ACH transactions were made and claimed that I would have noticed the funds missing. She also thought it was suspicious that funds were deposited to cover the withdrawals, even though those deposits came from an account that isn't in my name. 

My understanding of Reg E is that I don't need to be a perfect customer who checks all of their transactions every day -- I have a busy life and do not have the time to note every transaction. I reported the unauthorized withdrawals within the 60 day period, as soon as I noticed them, and I should be entitled to receive the considerable sum that was stolen from me. The investigator was unfair in her assessment of the situation and seemed to focus on what I should have done, not what I was required by law to do.
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTIONS XXXX GXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX COLLECTIONS : XXXX TXXXX 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 XXXXXXXX XXXX XXXX EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and XXXX returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing.

2 ) They are refusing to add a credit freeze, again a law provided by the fcra.

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email.

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.S. Erickson & Associates, PLLC (AZ)

I received a letter from DS Erickson, an attorney, on XX/XX/XXXX, alleging that I owe a medical debt from XXXX XXXX of {$1300.00}. I have also received notice of the same amount from two other credit collection services, also alleging the same debt. I filed complaints with CFPB for these also. The debt is allegedly from services never received from the XXXX XXXX in Arizona. I completed my medical care with XXXX in XXXX, and received a XXXX XXXX XXXX   that was fully paid by XXXX XXXX as XXXX. I was told there would be no charge to me for the quarterly monitoring of this device. I began receiving bills for monitoring of the device last year : apparently the XXXX device calls XXXX XXXX without me knowing and send them information about my device. I have not gone to XXXX clinic, nor did I call them to monitor the device. This device calls on its own, and then XXXX sends me a bill each time the device calls them for over {$450.00} for each call. I have no ability to stop these calls and I did not authorize them to call or for any services. Again, when XXXX installed the device they promised me that all future monitoring would not be charged to me since this device was implanted at no charge to me as charity.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (CA)

These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 ( 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. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-01
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2022-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

A bank made an inquiry on my credit with Transunion based on a fraudulent credit application. The bank refused to retract the inquiry from the credit reporting agency. Transunion does not allow online disputes over inquiries based in fraud. Rather, Transunion said that, to dispute the inquiry, I must send, IN HARDCOPY POST, ( 1 ) a letter from the bank ( which, again, the bank refused to provide ), ( 2 ) a copy of my complaint to the FTC ( which I did file ) or police, ( 3 ) a copy of my driver 's license, and ( 4 ) a letter from me disputing the inquiry and asking for removal of the item from my credit history. This is an outrageously excessive expectation to place on a consumer upon reporting a fraud, and I can not anyway compel the bank to produce the requisite letter. Transunion has online dispute resolution to correct a wide range of other errors on the credit report, so the company has no excuse to make the process for review of inquiries so burdensome.
Consumer complaint received 2022-06-30
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. (FL)

Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and ZERO returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing. 

2 ) They are refusing to add a credit freeze, again a law provided by the fcra. 

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email. 

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

It happened a second time in a row ... just filed another complaint yesterday. Today 's case makes a total of FOUR instances in as many months. The sum of {$1100.00} was deducted from my US account on XXXX XXXX. On XXXX XXXX I received the below notice that transfer was in progress. Today I noticed the entire transaction completely disappeared from my MoneyGram account. I initiated chat to complain and was told my receiving bank, XXXX XXXX, rejected both this transaction and the one I complained about yesterday. I then called XXXX XXXX and was told no such transaction was rejected, and each MoneyGram transfer I have made since XX/XX/XXXX occurred without incident until now. One of the most concerning things is that these transactions completely disappeared from view until I complained. After complaining, a screen refresh returned both to my view. Just how long were these funds going to stay in cyber balance until I was contacted? In both cases, the transactions were not marked " cancelled '' and confirmation emails sent until I insisted on having cancellation reference numbers. /// XXXX XXXX confirmation message follows : Transaction Receipt : Your money transfer has been sent successfully and will be deposited to your receiver 's account or wallet as designated. 
MONEYGRAM PAYMENT SYSTEMS, INC.

XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CDT Sender Information Name : XXXX XXXX Phone : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, US-VA XXXX , United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX XXXX Receive Option : Account Deposit Receiver Account # : XXXX Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : XXXX USD   Transfer Taxes : XXXX USD  Total Cost : XXXX USD  Debit From Bank : XXXX XXXX Exchange Rate : XXXX USD  = XXXX XXXX   Receive Amount : XXXX GBP  Other Fees : XXXX GBP Other Taxes : XXXX GBP Total Receive Amount : XXXX GBP
Consumer complaint received 2020-05-22
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. (AR)

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2022-07-01
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

Great Lakes reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.
Consumer complaint received 2022-11-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX CREDIT ACCEPTANCE CORP Account # XXXX To Whomever it May Concern, I am writing regarding the above referenced account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was return by XXXX XXXX XXXX & XXXX XXXX to XXXX XXXX in the state of New Jersey on XX/XX/XXXX and resold XX/XX/XXXX Under the laws of the states of New Jersey UCC 9.506 and state XXXX and XXXX statutes, a deficiency can not be determined or claimed unless all of the required notices were properly and timely given, and all+of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and PROOF of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit report will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above request, I reserve the right to seek damages against all parties, under all available state and federal stabites and UCC? 9 remedies. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

On XXXX, during the Covid-19 pandemic I contacted Citi Visa ( card obtained through Costco ) and asked if due to the financial strain associated with Covid-19 if I could have no interest charged to my credit card. I offered to make the minimum payment and then pay off as I could. The Visa representative named " XXXX '' told me I could have 2 months without interest. On my next statement I was charged {$73.00} interest. I called Citi and spoke with " XXXX '' and was told their notes said I received Covid-19 relief which is that the payments were waived for two months and there would still be an interest charge, I also talked to a supervisor " XXXX '' who said she would not adjust off the interest. This is contrary to what I was told by the representative.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020