davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

This is an ongoing issue where Wells Fargo bank closed our family 's small business checking & credit card accounts with no explanation or notification. Since then, I've called Wells Fargo customer service, wrote to their CEO, and filed numerous complaints with CFPB. 

Wells Fargo has continued to lie - first claiming that a check was mailed for the balance without providing any tracking number or any other evidence ; and now, that an Affidavit was mailed to me on XX/XX/XXXX when no such thing was done. 

DETAILED HISTORY : Initially, I was told to visit a branch to get a check for my closing balance, where I had to wait for XXXX hours to be told that not only I need to pay for a XXXX bond FOR THE CHECK that they claim they mailed ; without MY AUTHORIZATION and WITHOUT any tracking ; but I also need to get a signature guarantee from another financial institution on their " Declaration of Lost, Stolen, or Destroyed Cashier 's check ''!! I declined both - if a check was ever mailed without my authorization, they should have mailed it with shipping method with tracking. 

After another complaint through CFPB, I was given a number to call XXXX XXXX XXXX to get the check reissued. Upon calling this number, I was told that an Affidavit will be mailed to me that I needed to sign. 

However, no Affidavit was ever received. I filed another complaint. In her response dated XX/XX/XXXX, XXXX XXXX XXXX, Escalations Representative asserted, without providing ANY EVIDENCE, that an Affidavit was mailed to me on XX/XX/XXXX. Once again, she has neither provided any tracking number, nor has she included a copy of the cover letter or the supposed Affidavit. Interestingly, I continue to receive Wells Fargo 's responses to my complaints, and my personal wells fargo credit card statements at the physical address that I have provided so it's obvious that they are once again, lying about sending me something they didn't. 

She has directed me to call the same number or visit the branch - both of which I have tried multiple times!! It doesn't look like Wells Fargo understands how customer service escalation works, in place of resolving the issue, they keep referring customer to call the lower level customer service again. 

Meanwhile, a XXXX search reveals a press release dated XX/XX/year> with an admission from Wells Fargo XXXX from XX/XX/year> that " they have identified a series of unacceptable practices that we have been working systematically to change and provide customer remediation where warranted ''. 

it doesn't look like Wells Fargo has done enough other than settling claims for their previous financial crimes at dimes to dollars. The DNA of the bank hasn't changed. Once a thief, always a thief!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions.

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Around XX/XX/2024, I sent three notarized letters to XXXX, XXXX and Transunion to remove all old addresses. I have a right to privacy. Also, they have my name listed as XXXX, my name is spelled XXXX. 
I also sent letters to each bureau to send a free copy of my report and I never received my report from all three companies. 
I also never filled for an XXXX loan. This is identity theft. They also have an hard inquiry that I asked them to removed and they still have not. I have a low score from XXXX because they refuse to remove an old XXXX bill that XXXX stated I sent the product back and therefore do not owe any funds.
Consumer complaint received 2024-05-20
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. (SC)

MY PERSONAL INFORMATION WAS BREACHED A FEW YEARS AGO AND REPORTED. I RECENTLY WAS NOTIFIED THAT MY INFORMATION WAS INVOLVED IN THE XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-21
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)

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.

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Trying to emergently put a credit freeze on my reports. Equifax will not let me log in - when I go thruogh the hoops, a screen pops up saying, " We are temporarily unable to complete this request. '' No number to call, nothing. If I try and start over and create an account, it says I already have one. Round and round I go.
Consumer complaint received 2024-05-21
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 name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/2024 stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States post office indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (VA)

In XX/XX/2021 or XX/XX/2021 there are XXXX fraudulent transactions with the amounts of {$900.00} and {$950.00} being removed or sent from my account. It was fraud and or a scam. The funds were sent to a XXXX XXXX. I do not know this person. I did not give permission ro send my funds to this person. Its a scam.
Consumer complaint received 2024-05-21
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)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-19
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. (IA)

This is the third time XXXX XXXX XXXX has sent a bill to collections and the collection agency has incorrectly identified me as the owner of the account. Each time, the collection agency sent the information to credit monitoring services negatively impacting my credit. The latest agency is XXXX XXXX XXXX and the previous two were XXXX XXXX XXXX. I have never held any account with XXXX XXXX XXXX. The previous two incorrect collections ( XX/XX/XXXX and XX/XX/XXXX ) were deleted from my credit reports and the third is pending ( XX/XX/XXXX ) I have asked all three credit agencies to verify additional information and my credit has been locked since the initial issue.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TX)

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used by XXXX to run my credit an this wasnt the only time they ran my credit information without my consent I happened on XX/XX/year> an I have a active fraud alert on all three credit reporting agencies.. with XXXX instructions that I should be called if any credit is to extended too me.. an I never received XXXX call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2024-05-20
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 pulled my credit reports from transunion XXXX and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from TransUnion XXXX and XXXX. ADD NAME : XXXX XXXX XXXX to TransUnion, XXXX, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Consumer complaint received 2024-05-20
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. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Statements as well as detailed breakdowns from wells Fargo representatives. I have disputed their claims as the overdraft fees, non-application of credit card payments, and account freezes. As a result my credit has dropped from not being able to pay my bills as a result.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is listing a XXXX account twice on my credit report. I have disputed the error with TransUnion on two occasions, requesting that TransUnion correct the error by removing one ; however, TransUnion continues to report the XXXX account twice on my credit report resulting in it appearing as two accounts. TransUnion is in violation the FCRA laws by continuing to report the same account twice and not properly investigating the dispute.
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: Experian Information Solutions Inc. (KS)

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 : Applied Bank # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.


15 U.S.C. 1681Section 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. 1681s-2 ( A ) ( 1 ) A per
son 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 2024-05-20
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)

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. 

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.