davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXon my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. TU, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple letters now that I have sent attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I am writing to file a formal complaint against Wells Fargo regarding their inadequate response to my claims of fraudulent activity on my banking account, as well as their refusal to acknowledge my situation as a victim of a robbery and a data breach. 

Recently, I received correspondence from Wells Fargo stating, " Thank you for contacting us. We completed our research and are providing details to address your concerns. Unfortunately, your request for the bank to write letters to your creditors explaining why payments were returned from your checking account ending in XXXX can not be fulfilled. '' The letter further indicated that they failed to provide any new insights or information regarding my case, as my concerns were considered resolved. However, the information they provided is inaccurate and does not appropriately address the severity of my situation. 

I have previously submitted police reports documenting my robbery, along with evidence of fraudulent charges on my banking account. I clearly highlighted these transactions in my bank statements, and yet Wells Fargo has chosen to overlook this information while stating that they would not write letters to my creditors regarding my returned payments. This disregard for my circumstances is not only frustrating but also detrimental to my financial well-being. 

Moreover, Wells Fargo 's approach to handling my complaint has been confusing and unsatisfactory. They seem to maintain that my concerns have been addressed while dismissing the clear evidence I provided. I believe their response lacks the seriousness it deserves, especially considering that I am a victim in this case and that my credit history has been negatively impacted due to these unresolved issues. 

In light of these circumstances, I urge the CFPB to assist in investigating Wells Fargo 's response and practices regarding cases of fraud and customer complaints. It is essential that victims of robbery and data breaches receive adequate support and fair treatment, rather than receiving dismissive responses. 

Thank you for your attention to this matter. I look forward to your assistance in addressing my concerns regarding Wells Fargo.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX IST. I accessed the XXXX website to purchase 2 tickets for a show in XXXXXXXX XXXX. When I can time for me to fund my 2 tickets, I attempted to use the XXXX feature because I felt it was safer due to the foot print buying digital abroad. In moments, I received a response, " OOPS, the XXXX feature was working select a different method of payment. That is when I used my Bank of America debit card with more than a sufficient balance to cover the {$320.00} purchase. 

After entering my debit card information and selecting purchase. I received a text from BOA on my cell phone. Alerting me that my debit has been used to purchase {$320.00}. Was it me. I responded yes, I made the purchase. I went back to the XXXX website to look for the approval and start travel arrangements, however the transaction was declined. 

I contact BOA, customer service on XX/XX/year>, around XXXXXXXX XXXX, and spoke to XXXX in AR. 

I asked XXXX to help me understand why I received a response in my BOA app saying my purchase for {$320.00} was approved and later declined. I made the purchase from my home computer, on a secure website where I had to be verified, and from my IP address from my internet provider. XXXX explained that the initial transaction was approved and then my account was blocked due to the XXXX activity. I explained that they were two separate transactions and my purchase should have gone through with no issues. I have more than enough funds and verified via text that I the one placing the transaction. 

XXXX offered that if I used my debit now, it would be good. I explained that I was in a queue and the time frame I had to complete my transaction was limited to 4 minutes. After BOA declined my transaction my opportunity was gone for the seats I selected. 

XXXX apologized, however did not offer to do any thing about the error they caused. Except she was adding the information to her notes.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

CFPB Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies ' Failure to Conduct Internal Investigation Dear CFPB and Credit Reporting Agencies, I, XXXX XXXX XXXX, submit this dispute regarding XXXX, XXXX, and TransUnion 's failure to conduct internal investigations and verify information accuracy. 
Dispute Basis : Failure to conduct independent investigations ( 15 USC 611 ( a ) ( 1 ) ).

Bias and partiality towards XXXX. 
Lack of documentation and evidence. 
Request for Documents and Information : Pursuant to 15 USC 611 ( a ) ( 1 ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : Name and contact information of the real living person from each agency who personally investigated this item. 
Documentation obtained and used during the investigation. 
Names of individuals personally spoken to regarding this matter. 
Methodology used to arrive at the determination. 
Proof of internal investigation procedures. 
Copy of the original agreement signed by both parties. 
Investigator Information : I require details about the investigator, including : Full name. 
Title. 
Contact information. 
Dates of investigation. 
Investigation Details : Please provide : List of documents reviewed.

Interviews conducted.

Evidence considered.

Timeline : I expect to receive the requested information within 5 days of this request. 
Investigation Requirements : No investigation can be complete or verified without : My inclusion and input. 
A copy of the original agreement signed by both parties. 
Previous Requests : I have previously requested the original signed agreement from XXXX, but have not received it. 
Remedial Action Requested : Conduct thorough, independent investigations. 
Delete inaccurate, incomplete information from my credit reports. 
Provide documentation supporting internal investigation findings. 
Supporting Law : 1

5 USC 611 ( a ) ( 1 ) - Investigation requirements.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - Verification of debt.

FCRA Section 611 ( a ) ( 2 ) - Verification of debt. 
Contact Information : 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 2024-10-16
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. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
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. (OR)

I am writing to address a matter concerning my credit report and the reporting of my account information. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Therefore, I request that you update all late payments and any related transaction information on my credit report to reflect " paid as agreed. '' It is important for my credit history to accurately represent my financial responsibility and the status of my accounts. I believe that reflecting these payments as " paid as agreed '' will better align with the factual nature of my payment history.
Consumer complaint received 2024-10-17
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XX/XX/XXXXXXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo Business checking and everyday checking account. 
I am travelling out of USA for around XXXX weeks. During this time I tried to send some money using XXXX. Recipient is all setup but Wells Fargo want to send me the access code to my USA registered mobile phone only which i don't have access from outside of usa. 
I called Wells Fargo during the last 60 minutes and talked to customer service and the supervisor XXXX XXXX XXXX -asked them why they don't have the option to send the access code to Wells Fargo mobile app, registered email-id or another phone number ( virtual phone number ). Wells Fargo representative said that it only send at the registered phone number.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-17
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. (CA)

THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX  TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF XXXX  LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 


Company Name : XXXX Account # XXXX
Consumer complaint received 2024-10-17
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Late Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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)

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. 

Please remove the following fraudulent inquiries that I did not authorize, nor do I have any business with. 

XXXX XXXX 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 2024-10-16
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)

There are errors on my credit report under 15 USC 16c-2. The inquiries were not authorized by me, and they're damaging my credit. I request the removal of these inquiries. Thank you!