davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
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. (CT)

This is my second 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 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
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Recently a credit card payment was automatically debited from my Wells Fargo checking account as per my credit card auto pay schedule. However, I didn't have enough money in my Wells Fargo checking account, which I wasn't aware of. 

As soon as I received an email from Wells Fargo informing me of this overdraft, I moved money from a savings account into my Wells Fargo checking account to cover the amount of the overdraft. This process is instant, and the money hit my WF account within an hour after receiving notice that my account was overdrawn. 

However, Wells Fargo charged me an overdraft fee, even though their policy is a one day grace period. When I called Wells Fargo, they claimed that the overdraft fee is calculated from moment the account is overdrawn, not from the when the notification of overdraft is sent.

I think this policy is deceptive and unfair. If Wells Fargo wants to claim they give a one day grace period to put sufficient funds into the account, that period should start when the customer is informed that their account is overdrawn. It is not hard for them to automate a system to immediately email or notify me when my account is overdrawn. I do not control when bank actions, debits etc, are processed, so it's incredibly onerous to expect me or any consumer to constantly check their account to see if a transaction went through and thus there was an overdraft and the overdraft fee clock has started. This is in fact not a one day grace period and seems to be just another gotcha to collect unfair junk fees from consumers.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX 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 block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-14
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)

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

Here is the list of accounts that 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2023-10-14
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. (FL)

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

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX 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 block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Would like the Cfpb and FTC to take action against TransUnion for illegal irreparable harm caused to me, by illegal rental Background check and illegal reporting practices. TransUnion illegal credit Reporting Practices has called irreparable harm by reporting, incorrect information, in which it purposely lowers my credit scorXXXX in order to pay one of their agents to fix the problem, if not it is a and ripple effect on my credit score. # .1 This is a violation of Title 15, subsection 1611- False and Misleading Denial of my own credit. # .2 If ALL ACCOUNTS are XXXX XXXX XXXX Document No. XXXX XXXX Congress. See Congressional Record, XX/XX/1933 on XXXX XXXX, XXXX '' Under the new law the money is issued to the banks in return for government obligations, See, Title 18 section 8, See HJN 192 Title 31 section 3132 ( a ) ( b ) makes the statutory pledge of the United States government to payment of Obligation and interest on the public debt, see Title 31 section 3130 further delineates its definition " Net Public Debt '' See Title 31 section 3124 under the Unites States Exemption from Taxation, there can be no violation or any inaccurate information on my credit report. If ALL ACCOUNTS are PREEPAID. They must Accept for Value the debt instrument/legal tender of the United States , as long as the debt exists, its impossible for ne to be liable for government obligations. and for there to be an inaccurate information on TransUnion that is false and misleading information of MY OWN CREDIT.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CO)

I received a payment of {$1000.00} through PayPal from the Clinton Presidential Library. I specifically declined to receive an immediate transfer of the money so that I could avoid the service fee. Nonetheless, PayPal only transferred {$1000.00}? I followed PayPal 's appeal process through two rounds but was never provided with any information about why the reduced the amount or denied my appeals. I specifically rejected the immediate transfer option. I thought that the process was pretty deceptive since I could see that they kept trying to get me to accept the fee but I never did. I imagine this is a recurring problem with PayPal 's service.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 USC 1681 C-2 15 USC 6802 XXXX XXXXXXXX XXXX XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any XXXX permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (MA)

In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXXXX/XX/2023. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate. 
15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.
Consumer complaint received 2023-10-14
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. (NY)

I was a victim of identity theft for 10 years never had a credit card couldnt get one. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-28
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. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-07
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NC)

Santander USA reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. Santander sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair
Consumer complaint received 2018-12-13
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: Experian Information Solutions Inc. (MO)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-10-14
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)

Several hard inquiries that were not authorized or permission given to run my credit, they are as follows. Credit bureaus have been contacted to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 inquiries, only valid run is XXXX
Consumer complaint received 2023-05-10
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

I paid a seller through PayPal, there was an ad on XXXX  for what she was selling and said to contact her number to pay through PayPal so I did and then her account was gone and I couldnt message her through anything. And didnt receive anything I paid for so I got scammed and I dont know what to do.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have reached out to Equifax for the past XXXX months to inquire about my credit reporting on my account. 

I have noticed two companies both XXXX XXXX and XXXX sent over request to remove them from my trade lines on XXXX. I confirmed again the turnaround time with both companies and was advised 30 days. 

These companies have been removed from all other credit reports but Equifax. I have access to my online account so I can actually pull the report myself through their app and my FICO the problem is everyone I try to call they ask for my name, SSN, DOB, address I answer it all correctly as it matches my profile online.. 

They ask me to do an authentication photo, I have driver license I send it over along with a selfie of me and my driver license. The rep will come back and say you failed authentication send us documents of proof. 

What more proof can I send these people. This is the only credit bureau I am having this discrepancy with and I am nervous I am being defrauded. I feel my account or identity has been taken over by someone who has access to my Equifax. Why else would my information I was born with an assigned by the government as ship cargo not match what Equifax has!
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

Hello, I have reached out the the XXXX creditors in this matter, Best Buy/CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've applied over the last 3 years for locations to live and loans to help get on my feet after COVID I loss so much. This credit company would not release my credit information which caused the company to see me as a high risk which they required deposits and higher interest if they assist me and others denied me due to this issue.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XX/XX/ we replaced a furnace in my home, and used Service Finance Company to finance the loan. I was originally told that is would be 18 months no interest no payments. XXXX documents were sent to me and I signed. Fast forward to XXXX XXXX XXXX I called the company that installed my furnace to tell them I have not received any statements or bills from the company. They told me that omce the job is done and they are paid that they dont have anything to do with the finance, and they gave me a number to call for the company that did. My wife called the same day, on XX/XX/XXXX, and told the company we never received a bill and was hoping they could send us something. Because her name was not on the loan, they would not discuss anything with her. We at this point assumed that there must not be a bill because payments were not due yet, and that obviously if something was due they would call back or send something. FAST FORWARD to XX/XX/XXXX. I am in the middle of refinancing my mortgage, and my mortgage broker alerts me to a delinquent account showing on my credit report. Apparently, after not receiving a bill and having NO CONTACT from the company, they put my loan into collections and charged it off. My currrent bills are approximately {$20000.00} a month. I would NEVER let a payment of {$140.00} completely wreck my credit. This makes XXXX sense. My wife and I have 100 percent on time payments for all of our bills. The company said that we had a 3 month no payment, not an 18 month. Regardless- we NEVER receieved a bill or any form of communication from them regarding this. This credit charge off is preventing me now from refinancing my mortgage and consolidating my debt. If I was going to intentionally go late on a bill I would have likely chosen one that would make a differnce, not a {$140.00} payment! No one at Service Finance Company is willing to help. I did speak to one employee who was trying to be helpful and said her manager would call me back and no one ever called. I am at witts end, I need this resolved and I dont know where else to turn.
Consumer complaint received 2024-04-05
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. (MO)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.