davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to the credit reporting agencies via mail on XX/XX/year> to investigate XXXX XXXX account and XXXX XXXXXXXX XXXX credit card account. XXXX XXXX is reporting the incorrect balances on my credit report and adding late payments to the account each month. They offered to settle the debt for XXXX XXXX less than what is being reported. XXXX XXXXXXXX XXXX  is reporting late payments on my report each month even though XXXX XXXX XXXX is managing the account. I was not notified that my info was given to them. I did not find out until I reached out for an update via mail on XX/XX/year>. Both companies are violating the FCRA laws such as, law 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ). I asked for the credit reporting agencies to investigate the accounts and to provide proof of validity ; They did not complete an accurate investigation. If the information is not being reported correctly, it needs to be deleted. 

I reached out to the credit reporting agencies about XXXX XXXX XXXX collection accounts to investigate the validity of these accounts because I do not recognize them. They all sent me automated letters instead of completing an accurate investigation.
Consumer complaint received 2017-11-03
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: EQUIFAX, INC. (MS)

XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2024-02-22
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo depleted my account and put me into overdraft and then XXXX  hit and I had no way to get my account back. I fought them because a hotel overcharged me and lied about having a jacuzzi. 
The XXXX is still advertising there is a jacuzzi there is not. Wells Fargo didn't investigate my complaint. They went with the merchant. So now I can't open a bank account anywhere and they call my phone daily.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I had a account with Wells Fargo and had it like 2 months my friend was transferring money to me it went through and Wells Fargo stopped it and then told me they were closing my account I didnt get a reason nothing when I tried to talk to them they didnt want to hear it its funny I still get emails about my balance Ive told them take me off ur list for emails and somehow I still get them
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (TX)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (TX)

Hi, In XX/XX/XXXX, I received an email stating that I had an Apple credit card and that a payment was due soon. However, I didn't pay much attention to it as I didn't recall having an Apple credit card. Later on, I received several more emails regarding the same matter. My husband and I decided to contact Apple Card support to inquire if there was an error or fraud. The representative informed us there was no credit card under my name but suggested I report the issue to the police. Nevertheless, since there was no card existence, I didn't give it much concern at the time. 

Despite this initial dismissal, the emails persisted, and the amount owed increased due to non-payment. In XX/XX/XXXX, I contacted Apple Card Support once again. This time, the representative informed me that I did indeed have an unpaid Apple credit card. When I mentioned my previous call, where I was told there was no card, the representative assured me they would close the card and initiate a search, which they estimated could take up to a month. 

However, the emails for late payment notifications continued unabated, and I observed my credit score decreasing. Fearing accumulating debt, I took action on XX/XX/XXXX, by contacting Apple Card support and offering to pay all outstanding balances, which had ballooned to {$2600.00}. I asked how to fix the situation to minimize damage to my credit score. Unfortunately, I was informed that there were no immediate solutions except for vigilantly managing my balance and making timely payments.

After making the payment to avoid any more impact on my credit score in XXXX, I noticed a discrepancy in my XXXX credit card statement. I had purchased XXXX iPhones but, upon reviewing the payment details, I realized only XXXX of the phone payments had been processed on my XXXX credit card but not the other XXXX. Additionally, I discovered an unexpected charge of {$44.00} on XX/XX/XXXX, which I promptly paid. 

It was an error that the first representative I spoke to gave me incorrect information about not having an Apple credit card under my name. This caused me to pay extra fees, as well as reduce my credit score. I would like to request the reversal of any fees encountered from the late payment as well as the reversal of the credit score impact caused by errors from the customer success representative at Apple as well as the fact that they gave me an Apple credit card without my consent.

I've encountered resources online discussing disputing such errors. It sounds like they were able to receive help from Apple to reverse their fees and impacts on their credit score. I would like to request help on this.

Thank you for your attention and support. 

Best regards, XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I spoke with a representative at Comenity. She indicated that in spite of the date the payment may have been received, the payments are often processed later. If they are processed after the due date a late fee is assessed. I don't know the the staffing levels of Comenity. The lady on the phone indicated she was only allowed to remove the XXXX late fee ( one month ). 

My bank has indicated it can not process the Comenity payments through electronic means ( ACH ). The bank indicates they must send an electronic check. When I request an electronic check be issued I pre-plan normally at the beginning of each month, for payments made the following month. In other words I am on a fixed income as a retiree and I have a budget. I plan ahead for bills a month in advance. I make payments well in excess of the minimum. When I request these checks, I put the date the check is to be received and paid, then the program calculates the time necessary to assure delivery based upon the address of a given payee. If you notice on my bank statement ( attached ), the far left column is the date they calculate the check needs to be mailed, in order for the check to arrive on the due date. The column 5 to the right indicates estimated due date which is roughly 5-7 days before the due date. I admit that the first couple of bills I received from Comenity showed that my payment was due on the XXXX. I did not understand that, and adjusted my due date. Subsequently I corrected the payment date to correct the date the payment was received. The amount of time from when the check is sent to the time it is received should be adequate for a letter posted from XXXX to XXXX. I am not sure if the problem is with the Post Office in XXXX, or the Post Office in XXXX, or Comenity receipt of the check, or the time it takes Comenity to process the check. None of this was explained to me while I was on the phone with them. She did indicate that when the checks are processed, if it is after the due date, a late fee is assessed. All of my payments were " processed '' within a couple days of the due date. 

I have an excellent credit rating. In every instance, with the exception of Comenity, I have always paid my bills on time. This scheme at Comenity is an attempt to collect late fees, rather than interest, is a blatant attempt to avoid dealing in good faith. It seems to be preying on senior citizens
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: R & B Corporation of Virginia (WV)

Credit control corp is reporting on my credit report a collections account. I have asked them over and over to send me information to verify this! They will not and I want to see it in writing! I have called XXXXXXXX XXXX, the original debt and they will provide me with nothing as well! They come off of my credit and then jump right back on! This needs to stop. I have contacted the credit companies as well. It is hurting my credit and is not fair at all. It is not just them I have had all of these that will not remove!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XX/XX/XXXX, after finding out that someone opened multiple credit cards in my name fraudulently, namely at issue, Bank Of America credit card account, in the amount of {$4300.00}. XX/XX/XXXX, I filed an FTC identity Theft report, FTC Report Number XXXX listing the account in question. I notified Bank of America, XXXX, XXXX, and XXXX that i am a victim of identity theft and sent them all copies of my FTC report. 

In violation of my rights under 15 USC 1681 s-2 ( B ) Bank of America continues to furnish inaccurate information about me to the consumer reporting agencies, and all three consumer reporting agencies continue to publish this inaccuracy on my credit report in violation of my rights under the FCRA.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

I was coerced into opening a checking account while visiting the branch. I initially had a XXXX account at Wells Fargo and thats all I wanted. I wasnt told the checking account had a monthly service fee and the account was drained. When there was no money left in the account to pay the service fee, a cash advance was taken from my Wells Fargo credit card. That is what alerted me that the account had been drained and i was being charged a monthly service fee. I called Wells Fargo XXXX card company and was able to get the cash advance reversed however, I wasnt able to get those monthly service fees for the checking account credited. 
This incident caused me to close all of my accounts with Wells Fargo and move my mortgage away from the bank too.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I previously went through a divorce and through the process my x wife wasnt making payments and the mortgage got behind. I filed for a loan modification with me and my mom as a co borrower. I have never had a loan modification before. Wells Fargo kept requesting the same documents for over one year, only to reject my loan modification for reason that was false.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I had trouble paying mortgage and I put it in a freeze came put of freeze payed wells fargo XXXX XXXX ti keep hone they said they need XXXX XXXX more I came up with XXXX XXXX and I was forced to short sale
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: NORTHWEST BANCSHARES INC ()

We transferred money from XXXX using XXXX to an account with Northwest bank that was fraudulent. The fraudsters impersonated one of our largest suppliers XXXX XXXX and used an email to advise us the company had changed banks and account details. 
We sent three transfers to this false Northwest account number XXXX, with recipient name XXXX XXXX listed on each transfer. We know that the bank receipted the funds even though the recipients name was totally different. This knowledge came about after I contacted XXXX XXXX and made them aware of what had occurred after we identified the fraud ourselves. XXXX XXXX president, XXXX XXXX made contact with the Northwest bank to establish if an account had been made in their name fraudulently. The bank advised him that one had not and that the account number we had used had a totally different owner name. 
Here are the transfer amounts and dates the transfers were made : 1. XXXX XX/XX/XXXX for {$40000.00} USD 2. XXXX XX/XX/XXXX for {$45000.00} USD 3. XXXX XX/XX/XXXX for {$50000.00} USD I made a phone call to Northwest bank early in XXXX and spoke to a manager and filed a complaint and outlined the above and the bank has failed to respond. On XX/XX/XXXX we sent an email to XXXX which is the Northwest banks contact and no acknowledgment has been received of them either receiving or investigating the matter. 
We have of course made contact with XXXX both to their branch here in XXXX and in the USA and they have made contact with the bank and a small amount of the transfer has been returned to us of {$16000.00} USD. 
I am aware that the USA government has regulations that cover financial institutions so that money laundering and financial crime are not easy to achieve. Given this, I would consider that receiving moneys into an account with a totally different recipient name to the account number as the Northwest bank has done surely goes against what should be one of the most simple and obvious methods of stopping fraud and other financial crime