davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I first found out about unusual charges on my credit card when I fully paid my account ( XX/XX/year> ). My balance was close to little as {$100.00} and it spiked up a few days later. When I checked back my account activity I saw multiple transactions that are unauthorized charges. I called the WELLS FARGO bank ( XX/XX/year> ) to dispute these charges and they immediately took it off my account. I also asked Wells Fargo to replace my card so they are very aware my card was lost or a copy of my card was in possession of the person making these unauthorized charges. Several days later the charges came back into my account. I made a call again to WELLS FARGO ( XX/XX/year> ) and they said they will reopen the dispute claims as it was closed and denied by the bank because they made attempts to contact me on my old number registered on the bank that I no longer have possession of. The unauthorized charges weren't cleared and I also got a letter in the mail dated XX/XX/year> saying WELLS FARGO completed their research and found that the disputed charges in my account are valid and appear to be authorized by myself so I called the bank again ( XX/XX/year> ) and I explained in details how XXXX of my expiring cards was tossed into garbage by accident by my partner and it could be the reason for these unauthorized charges on my account. I also mentioned how my XXXX XXXX credit card also had some unauthorized charges and XXXX XXXX immediately cleared it when I filed the claim. I was told that I needed to file a police report to be able to reopen the claim in WELLS FARGO and be taken seriously since it was already closed. The agent advised me to file the police report and call them again to reopen the case. I called again on XX/XX/year> to ask instruction on how to send the police report that I just filed. I was then told to fax it to WELLS FARGO CREDIT CARD XXXX XXXX department and same day I faxed the police report. XX/XX/year> WELLS FARGO mailed a letter saying they completed their research and found that I'm responsible for all the charges made on my credit card as it was apparently authorized by myself. Charges from multiple merchants below are unauthorized and are still in my account. WELLS FARGO is refusing to take it off my account and insisting I authorized the following charges. 

XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) 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 2023-05-12
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Hello. I am having 2 problems with this company. 1 ) They reported to the credit agency that I am not paying on my mortgage. It is delinquent and I have missed payments when I have never missed a payment. My loan was just sold to FM by XXXX XXXX. XXXX reported correctly and I was green on my credit report. FM reported wrong causing to negatively affect my credit score. 2 ) They are refusing to give me a payoff statement when they have the permission documentation from my attorney to release the information to me. I feel like they are discriminating against me because I filed for XXXX and providing me with subpar service. They said if i didn't file for XXXX typically I would be provided with the documentation within an hour. Every time I call the date to provide me with the documentation is moved further and further in the future.
Consumer complaint received 2024-07-17
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my XXXX  Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-07-17
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. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 incorrect.
Consumer complaint received 2024-07-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 2024-07-17
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. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-17
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. (TX)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, 15 U.S.C. 1692c ( c ) I sent dispute letters to the following creditors more than 45 days ago and they have not responded and the debt is still reporting. Please immediately remove the following accounts from my report. 

( 1 ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX * per XXXX They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 3 ) XXXX XXXX XXXX * per XXXX  They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 4 ) XXXX XXXX XXXX per XXXX  They arent even licensed in Texas and the dont have a purchase agreement for the debt their attempting to collect. 
( 5 ) XXXX XXXX *refused to provide validation ( 6 ) XXXX * states purchased by another lender also XXXX  account paid and closed over 7 years
Consumer complaint received 2024-07-17
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. (IL)

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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. (OH)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (PA)

I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt.
Consumer complaint received 2024-07-17
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. (MA)

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$14.00} XX/XX/XXXX XXXX XX/XX/XXXX {$390.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XX/XX/XXXX reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect
Consumer complaint received 2024-07-17
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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)

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports. 

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

15 USC 1666b ( 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. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

XX/XX/23 AT APROX. XXXX THERE WAS AN UNAUTHORIZED TRANSFER OF {$1500.00} FROM MY CHIME ACCOUNT TO ANOTHER CHIME ACCOUNT UNDER THE NAME OF XXXX XXXX ( $ XXXX ). I HAVE ATTEMPTED TO DISPUTE THIS TRANSACTION MULTIPLE TIMES AND RECEIVE THE SAME OUTCOME. I'VE PROVIDED ALL PROOF THAT I'VE HAD TO THEM, WHICH INCLUDED THE PHONE NUMBER THE HACKER USED TO CHANGE THE ACCOUNT HOLDER ( MY NUMBER ) TO ( THEIR NUMBER ). 
THEIR REASONS FOR DENYING MY CLAIM IS UNACCEPTABLE ( SEE ATTACHED FILE ) 1. MY DEVICE WASNT LOST OR STOLEN NOR WAS PASSWORD SHARED.

2. YES MY DEVICE WAS USED DURING THAT TIME BECAUSE I RECEIVED A TEXT ABOUT A SECURITY CODE SO I ATTEMPTED TO CHANGE MY PW AND MY NUMBER BACK SO THEY WOULD BE KICKED OUT OF MY ACCOUNT BUT WHILE I WAS DOING THAT THEY WERE ABLE TO TRANSFER THE FUNDS THAT QUICKLY. THEN IMMEDIATELY AFTER I CALLED CHIME TO FILE A DISPUTE.

3. MY DEVICE WAS USED IN THAT TIMEFRAME BECAUSE I WAS TRYING TO COUNTERACT THE THE HACKERS ACTION AT THE SAME TIME THEY WERE MOVING THE MONEY.

4. THERE WAS A FUNDING EVENT BEFOREHAND BECAUSE I WAS HUNGRY AT XXXX, NOT SURE HOW THAT WAS RELEVANT. 
5. I DON'T UNDERSTAND HOW AND WHEN THEY GOT ACCESS TO MY ACCOUNT BUT THEY DID WITH EASE.

I'VE ASKED TO SPEAK WITH THE INVESTIGATORS COVERING MY DISPUTE AND I'M UNABLE TO. SOMETHING SIMPLE AS INVESTIGATING THE ACCOUNT THAT THE MONEY WAS SENT TO WOULD NOT ONLY RESOLVE MY ISSUE BUT MAYBE OTHERS AS WELL BECAUSE I CAN NOT BE THE ONLY VICTIM, IT WAS EXECUTED TOO WELL. IF THAT ISN'T POSSIBLE THEY CAN USE THE LOCATION OF THE DEVICE USED TO MAKE THE TRANSFER AND SEE THAT MY DEVICE LOCATION DIDN'T MATCH THAT. I DO NOT CURRENTLY HAVE THE TIME AND RESOURCES TO SUE, FILE COURT CLAIMS, OR CALL NEWS OUTLETS JUST FOR ME TO BE ABLE TO HAVE MY HARD EARNED MONEY RIGHTFULLY RETURNED. THAT SHOULDN'T EVEN BE NECESSARY. IF THE PAYMENT WAS DRAWN FROM MY SAVINGS OR CHECKING ACCOUNT UNDER FEDERAL LAW I HAVE THE RIGHT TO HAVE THE ERROR RESOLVED.
Consumer complaint received 2024-07-17
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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