davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-10
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the XXXX timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Was alerted via text about a odd charge to my account XXXX to which I did not authorize. XXXX was a sunday so I had my card shutoff. Called wells fargo. 
Morning of XXXX - a monday Blocked card, called Wells Fargo immediately, and started claim over phone. Went through transactions over phone, stated some transactions are very obvious not me, others I need to look at my calendar, location, and look up vendors and try to verify. Phone rep told me i would receive my claim # via email soon and they need about 10 days to investigate. 
Approx XXXX min after that call I received a text from Wells Fargo, saying they sent email of claim # to my email at XXXX This emial does not belong to me, so I call wells fargo to let them know they have the wrong email and that I Have never had that email. Wells Fargo XXXX told me they did not send the email, and then I read them the phone number to be sure, and I was told it was not their number. The confirmation # in the fraudulent text was correct, so after speaking with rep we came to conclusion my email likely had been hacked- since they did send the confirmation email of claim to my real email. I changed email passwords and bank passwords immediately. 
I began to call merchants to try to confirm who/what the business is so I can give Wells the most accurate info. 
Few days pass and I call and update my claim, by removing XXXX charge from fraud, and also adding some additional unauthorized charges. 
XX/XX/XXXX I recieve notification on wells fargo app- it says my claim was denied. 
I call to dispute and ask how they came to that conclusion. No answer given. They said they would mail me the reasons, and I should receive in 30 days or less.

Im upset and in panic because i need my money.

I call sherrif and file a police report. I contact vendors who send my fraud paperwork. I send completed fraud paperwork to vendors I am able to get ahold of, I have my bank statement and and some fraud report notarized. Sherrif receives screenshot and scans of all evidence I have collected. I call wells fargo and ask If I can submit additional reports, evidence, and information about my claim. Im told I can once I receive the denial info letter explanation in mail. 
XX/XX/XXXX I get denial explanation. It says my pin was used. So they denied me. 
Majority of my claim involves online vendors where a pin is not used. So I call Wells to dispute and add docs to my claim. They say I can not update a claim that they have already made a decision on. I ask what I can do to get my money back. Short answer- nothing. {$2900.00} and they cant do anything ... ... .....
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CO)

Again for the record AARGON Agency the following damages will be taken to civil court on XXXX XXXX in XXXX XXXX if, monetary relief isn't given for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy These are the following 5 violations that your company has established against me and have violated. Again I identify as my natural being my signature is XXXX XXXX XXXX without recourse. I own and don't operate out of my Legal name again this is identified as an identity thief etc. fraud. 


The federal Fair Credit Reporting Act covers how financial matters, including debt collections, can be reported in your credit report. Federal consumer financial protection laws also prohibit unfair, deceptive, or abusive acts or practices that apply to DEBT collectors and creditors. 

AARGON AGENCY IS IDENTIFIED AS A DEBT COLLECTOR ON THEIR WEBSITE VIA XXXX XXXX XXXX XXXXXXXX AARGON AGENCY ISNT ABOVE THE LAW! ONCE AGAIN READ and please refer to the attached documentation this is considered unwilful compliance and I have submitted documentation through the CFPB portal. THIS WILL BE EVIDENCE TO THE COURT XXXX XXXX of unwilful compliance
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

XX/XX/24 my wife and I went to a XXXX timeshare presentation. When it came to credit check they checked our credit and said it was only a credit check and we told them we were not going to make any decisions at this time and I made it clear that I did not want any credit card or I wasnt buying anything and I received a text message stating I had opened a credit card, which I did not authorize. And theres a pending charge for $ XXXX, not authorized.
Consumer complaint received 2023-09-21
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. (MD)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2019-03-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/ and XXXX XXXX response ( XXXX  ) dated  XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable  documentation of SPS 's and XXXX   fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; and XXXX XXXX XXXX XXXX, XXXX NY XXXX, and lastly, XXXX XXXX XXXX XXXX NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and Beneficial continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX volation Privacy Act of 1974 ( 5 U.S. Code 552a ) / Fair Credit Reporting Act I recommend reading the ENTIRE act as it will only help your understanding but I am going to highlight a few examples.

15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for15 U.S. Code 1681a 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection 15 U.S. Code 1681c 12 CFR 1022.3 Definitions15 U.S. Code 1681c 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

As a XXXX XXXX XXXX, my business accounts were with XXXX before the merger with Wells Fargo. After 15 years with this bank, On XX/XX/XXXX, I received a notice from Wells Fargo advising we can no longer use a XXXX XXXX XXXX our mailing address and require a physical address. This is highly unlikely as many businesses utilize XXXX  for mailing purposes. We compiled, called Wells Fargo customer service on XX/XX/XXXX, spoke to a rep and updated the mailing address with a physical address. The address was updated on the account effective XX/XX/XXXX. 
On XX/XX/XXXX, I checked my Wells Fargo business account to discover Wells Fargo closed the account due to " Physical Address required. '' I called immediately to dispute that fact as the last statement reflected the physical address. We were told, we needed to enter a branch to show the proof of address change ( This was never relayed in the letter or prior communications ). Nevertheless, I took a copy of my XXXX  XXXX XXXX XXXX 's license which reflected the same physical address to the branch and was told that the account was closed, a check mailed to me ( the same mailing address in which they are questioning ) and can not be re-open. 
I have a genuine issue as this account is our primary business account utilized for direct deposit and payrolls. The inconvenience of opening a new account elsewhere potentially will cause the business undue fees and expenses. 
Please review the business practices of Wells Fargo and the impact on small businesses these unethical action causes.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I am extremely frustrated with the recent experience I had with my XXXX credit card. I tried to use it on a personal matter, only to find out that it mysteriously disappeared from my XXXX XXXX. Annoyed and concerned, I reached out to Chase Bank via phone on XX/XX/XXXX, around XXXX pm to get some clarity on the situation. Shockingly, they informed me that my card had been revoked without providing any substantial details. 

In an attempt to resolve this matter, I insisted they send me a written explanation regarding the revocation of both my personal and business credit cards. Despite visiting a branch on XX/XX/XXXX, and escalating the issue, I am still left in the dark without any satisfactory explanation or the reinstatement of my credit cards. This lack of communication and resolution is highly disappointing and unacceptable.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I received a text from Bank of America asking if I recognize a XXXX payment in the amount of {$1000.00}. When I indicated no, then a received a call from an individual introducing himself as a BOFA employee. Based on the conversation I was advised my account was hacked and needed assistance to reverse the money. 

I was scammed for {$3500.00}. On XX/XX/2023 I immediately contacted BOFA and reported that I had been scammed. Received a letter dated XX/XX/2023 from BOFA informing they were unsuccessful at recovering the funds. 

We have been customers with BOFA for 35 years. 

Thank You in advance for you cooperation in this matter.
Consumer complaint received 2024-04-29
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-01-10
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. (KY)

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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-10
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. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (MA)

Company name : XXXX XXXX, late payments Dates XX/XX/XXXX, XX/XX/XXXX unknown at this time. 



In accordance with the federal 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 account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.