davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA with my husband. 

Email 1 On XX/XX/year> I attempted to make an international transfer between two of my checking accounts. The transfer was for {$2400.00} from the checking account in the bank in my country of origin to my checking account from XXXX, a credit union from XXXX. 

Email 2 Right after submitting the transfer request I requested to cancel it, because on the international transfer confirmation email the recipient bank was stated as Wells Fargo instead of XXXX. The foreign bank tells me the transfer is sent and can not be canceled. 

After this, I learned that given the size of XXXX, they do not process the transfer themselves but use Wells Fargo instead. Which explains the confusion when I was inputting the XXXX code. 

Email 3 On XX/XX/year> I requested an update to my foreign bank on the transfer because they money was not yet in my XXXX account. Foreign bank representative asked another representative to assist me with my request. 

Email 4 On XX/XX/year>, I requested another update to my foreign bank and was told that the foreign bank was going to open a case to investigate. 

Email 5 On XX/XX/year>, foreign bank told me what they found from their case. The reached Wells Fargo and were told that the money ended up in a Wells Fargo customer 's account with Wells Fargo. Wells Fargo requested to this person that they send the money bank but the person refused. Wells Fargo told my foreign bank there was nothing else they could do. My foreign bank told me this case was closed. 

This is where I found that the XXXX code I used was an expired Wells Fargo XXXX XXXX. Even though I inputted my XXXX account number and my name in the international transfer order, the money reached someone in Wells Fargo. It appears as if this person has the same account number in Wells Fargo as my XXXX account number. But the name in the international transfer was my name. 

Email 6 On XX/XX/year>, Wells Fargo notifies me of an opened case by someone else on my behalf. This was done after my husband went to a Wells Fargo in downtown XXXX, WA to explain my case. By this time, and for the rest of my situation, I am outside of the US. 

Email 7 On XX/XX/year>, Wells Fargo notifies me that they had close the opened case because they had tried to contact their customer but got no response. 

Email 8 On XX/XX/year>, Wells Fargo notifies me that a new case was opened on my behalf, but that they we not authorized to give me any further information. This was done after my husband returned to the downtown XXXX office and requested them to revisit the case. 

This concludes my attempts to get the {$2400.00} back from Wells Fargo after the incorrect XXXX code was used to transfer money between two of my checking accounts.
Consumer complaint received 2024-09-01
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. (AL)

updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

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

Account name : XXXX XXXXXXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TN)

On XXXX/XXXX/2015 I purchased a refrigerator from Sears. They gave me a discount for signing up for their XXXX XXXX. I never received a bill, statement, late notice, etc. on this account. I never even received the XXXX XXXX. All my bills are paid by " auto pay '' and I simply forgot about this bill. The collection agency mentioned my previous address so my speculation is the correspondence was sent there. I did not give this old address to Sears, I can only assume they found it on an old Sears " XXXX '' account that I use to have. If they did send it to this old address, then the company should share blame for not doing due diligence and catching this mistake when they approved the loan. 
XXXX contacted me on XXXX XXXX to inform me this account had been turned over to them for collection. I immediately paid the amount due in full ( including penalties ) from my checking account and the check cleared my bank the next day. 
I am XXXX years old and I have never missed a payment in my life. If Sears had sent me a bill or late notice, this account would have been paid
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NC)

American Express advertises " Earn a {$100.00} statement credit after you make a Delta Purchase with your new card within the first three months ''. I called both Delta and AmEx and verified the validity of the merchant, " XXXX '' and made a qualifying purchase. Now, AmEx Rep XXXX XXXX XXXX says the purchase is invalid. I say this is a bait and switch.
Consumer complaint received 2024-09-01
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. (SC)

CREDIT BUREAU : TRANS UNION AND TRANS UNION LLC FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANS UNION HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Consumer complaint received 2024-09-01
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. (FL)

Good evening, My name is XXXX XXXX. 
Transunion is doing ALOT of illegal activity. 
I have shown them mountains of evidence that accounts on my credit report are a DIRECT result of IDENTITY THEFT and they just act like they've verified the accounts. 
I know they're lying because the other two credit bureaus already deleted this accounts. In fact, I have over a XXXX score in the other two bureaus and a XXXX on transunion. 
They claim that they verified accounts but it's a LIE. They have not verified anything. 
The accounts themselves are classified as identity theft and they still have NO proof they did an investigation. 
They literally are the only credit bureau stopping me from being able to obtain a car. 
I will be sending you guys all the identity theft reports and police reports that I have sent to Transunion and how they still do NOTHING. 
It's unfair. 
Please have them remove the following accounts from my credit report : Transunion : XXXX XXXX Opened : XX/XX/XXXX XXXX OPENED : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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. (MD)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



( XXXX. XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion website has been down for days. They do not have a way to reach anyone to freeze your account. There is no email and when you use their customer service phone number they drop the call after stating they are transferring you to an agent. If you select a call back instead fo a transfer you provide your phone number and receive no callback. There is a national data breach that I was notified of by my US Government monitoring service my social security number is now on the dark web. I have frozen my credit reports with their other services easily on their website or over the phone.
Consumer complaint received 2024-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX Account # XXXX, has once again violated my rights. I understand according to federal law 15 U. S. code 1681a ( 2 ) ( A1 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U. S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramification of late payments regarding the linked accounts.
Consumer complaint received 2024-09-02
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. (KS)

I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
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 2024-09-01
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. (MA)

I just see a lot of inquiries on 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-01
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. (FL)

in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. states i have the right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruccions
Consumer complaint received 2024-09-01
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. (GA)

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.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX Account # XXXX Transunion report late payments for XX/XX/year> and XX/XX/year> XXXX XX/XX/year> and XX/XX/year> XXXX XXXXXXXX XXXX  and XX/XX/year> these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-01
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-02-18
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$660.00} U S DEPT OF EDXXXX XXXX Balance-
Consumer complaint received 2024-09-01
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 just looked at my credit report XXXX XXXX, XXXX. I noticed some hard inquires that did not have permissible purpose. I also attached evidence below. 

1. Advantage/Fairway - XXXX XXXX XXXX inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of XXXX XXXX XXXX 3. XXXX - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-09-01
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. (CA)

My credit report states an account opened on XX/XX/year> in the amount of {$13000.00}. I have not opened any account with anyone this year for that amount. 
Also according to the Fair Credit Reporting Act, I must give consent to share information. Especially in the state of California where I live.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (NJ)

Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.
Consumer complaint received 2024-09-01
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. (CA)

Ive been calling Transunion every weekday for past 3 weeks and they will not help me. This is my 5th time trying to fix this situation with Transunion and they do not seem to care what goes on, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 20 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Transunion has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Continue to report unverified and inaccurate information on my consumer report causing harm, & emotional distress. Violate the FCRA and violate my rights as the consumer!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but TransUnion keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency TransUnion should delete this