davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, I was a victim of a Fake Support Scam. 
While reviewing transactions in my Wells Fargo checking account online on my computer, I noticed an unidentified transaction for {$300.00} from XXXX, phone XXXX. I did as my bank ; Wells Fargo had instructed me to do in the past and called the number next to the merchants name to try to resolve the situation. The person that answered the phone apologized for the error and said that he would help me reverse the transaction. While still on the phone with him, I provided my name and email address and only my name and email address so he could send me confirmation of the transaction reversal. I noticed that he had somehow taken control of my computer. I immediately turned off my computer and hung up the phone. 
I called Wells Fargo at the number on the back of my debit card. I spoke to XXXX and explained to her what had just happened. She said that we needed to file a claim, cancel my checking account and debit card and I needed to change my password. She gave me the claim # XXXX and said that I would receive a new debit card in 3-5 days. 
I checked my WF bank account using my laptop and noticed a wire transfer for {$25000.00}. I panicked and immediately called the number on the back of my debit card again. I spoke to XXXX in the WF Fraud Dept. and told him about the unauthorized wire transfer for {$25000.00} and a wire transfer fee of {$30.00}. XXXX filed a claim and gave me the claim no. XXXX. 
I later found out that the scammer tried to send ( 2 ) wire transfers of {$25000.00} each. 
For the 1st wire transfer attempt, my bank, Wells Fargo, did not send me a text message with a One Time Passcode to approve or cancel the transaction. They sent the {$25000.00} wire transfer without my approval. For the 2nd wire transfer attempt by the scammer, Wells Fargo did send me a text message with a One Time Passcode. I did not enter the authorization code and the transaction was cancelled. 
Wells Fargo should have sent me a One Time Passcode for both wire transfer attempts, not just one. 
Four weeks later, Wells Fargo sent me a letter ( attached ) saying that my online security claim was denied and the case was closed because the transaction was requested during an online banking session and because they sent me a One Time Passcode. I believe that Wells Fargos reason for denying my request is not justified because they only sent me one pass code for one of the ( 2 ) wire transfer attempts for {$25000.00} each. They sent the other wire transfer without my approval. I do not know what else I could have done to prevent this scam. 
I am XXXX XXXX XXXX, retired and living on a fixed income. This {$25000.00} was part of my life savings. I feel that Wells Fargo did not do enough to fulfill their legal responsibility to protect my money. 
My Attorneys name is XXXX XXXX XXXX. Please let me know if you have any questions or if you need additional information.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, 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. (LA)

On XXXX XXXX XXXX 2021 TRANSUNION posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2022-04-11
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. (NJ)

Bank XXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-14
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

Dear Sir/Madam, I bought two Visa gift cards ( issued by US Bank ) in XXXX on XX/XX/2021, with {$500.00} loaded in each card. When I tried to register these cards, I was told they were not activated. I then noticed that the last 4-digits of the cards do not match the last 4-digits shown on my purchase receipt. I called XXXX immediately to report this problem and hope to find a solution. They asked me to fax them the documents, including the receipt of the purchase and the photocopy of the cards, and I did this on XX/XX/2021. I called them today ( XX/XX/2021 ) to check the progress of the investigation, and they said they can not do anything unless I can show them I bought the cards that I have in hand. This is what I can not supply because the receipt is showing different cards were activated. Because they know which cards have been activated because the receipt has the last 4-digit of the activated cards, I asked them to deactivate and issue replacement of the cards shown on my receipt, but they refused. Please help to solve the problem. The photocopy of the cards ( front and back ), the photocopy of the card package ( front and back ), and my purchase receipt are attached as the supporting information for the complaint. Thank you very much.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grain Technology, Inc. (OR)

I XXXX XXXX entered into a consumer credit transaction with Grain Technology on XXXX A consumer transaction in which a finance charge is involved XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge does not include cash, but Grain Technology took cash.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (TN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1000.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX : XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-04-11
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. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I opened a Checking and Savings account with Citibank using the following link : XXXX : XXXXXXXX XXXX & ProspectIDXXXX The following link has been taken down but the archive of the link and what it contained can be seen using the following link : XXXX XXXX XXXX XXXX XXXX XXXX Basically, you open an account with the first link I provided during the promotion period which was XX/XX/XXXX - XX/XX/XXXX, deposit {$15000.00} within 30 days of opening the account, keep the balance at {$15000.00} or higher for 60 consecutive calendar days and then wait up to another 90 days to receive {$400.00}. I opened the account on XX/XX/XXXX, I deposited {$15000.00} on XX/XX/XXXX, I completed the 60 consecutive calendar days on XX/XX/XXXX, I withdrew {$5000.00} because I completed the promotion but kept {$10000.00} to avoid the monthly fees and then another 90 days was waited which was XX/XX/XXXX. I have tried multiple times to reach Citibank regarding this offer, I have faxed proof regarding the promotion I signed up with and they are unwilling to help me and don't recognize any promotion existed. I will be attaching everything to this case.
Consumer complaint received 2022-04-11
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. (TN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} TRANSUNION : XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to TransUnion via certified USPS mail and no response in writing. On Friday XXXX XX/XX/2022, the representative told me they had NOT received any mail from me which is false, I have confirmation that they did received my mail regarding XXXX Bank acct # XXXX and the letter and I will provide that information in the attached documents. My credit score dropped over 100 points between XX/XX/XXXX to present! In XX/XX/XXXX my credit score fell XXXX, on XX/XX/XXXX it fell another XXXX, o. XX/XX/XXXX An additional XXXX points for the same XXXX acct # XXXX. I provided TransUnion and XXXX the attached letter from XXXX bank, where the letter clearly stated XXXX Bank now XXXX Bank received your final payment for the above referenced account and no further payments are required. We thank you for satisfying your obligation with XXXX Bank now XXXX Bank and yet both TransUnion and XXXX were reporting the account was still open with an outstanding balance! There are multiple violations that occurred, starting with XXXX, they never provided me with the information that they were providing to the credit reporting agencies, TransUnion falsely claim they never received any certified USPS mail from me. TransUnion kept reporting inaccurate information even after XXXX was settled and paid on XX/XX/2022, they also reported an outstanding balance to this XXXX acct # XXXX. XXXX also violated The Fair Credit Act by reporting inaccurate information regarding the same XXXX acct # XXXX reporting that the account was still open as a Charge Off with an outstanding balance even after this XXXX acct # XXXX was settled and paid! I never received a response from XXXX regarding the certified USPS mail that was sent to them on XX/XX/XXXX which they also received according to the USPS mail. Both TransUnion and XXXX are well over their 30-45 days in which to respond but never did! I am asking for an investigation into their violations and deleting XXXX acct # XXXX from my credit file immediately. These violations has damaged my credit, as my family and I were about to close on our first home in XX/XX/2022. Thank you in advance and I look forward to and fair resolution to this matter immediately.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

i had my victoria secret account snce XXXX and when covid hit they placed me an a hardship program and they said i did it i didnt they investigated said it was there fault XX/XX/XXXX came around they closed my account no late payments paid my bill monthly they closed my account and said reapply once they messed up my account how can i reapply with the closing of the account with comenity bank XXXX and victoria secret how could i that is so wrong you guys need to get it together they said they can close it if they want they dont need a reason I HAVE BEEN XXXX BY COMENITY BANK
Consumer complaint received 2021-05-14
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. (IL)

I recently called TransUnion on XX/XX/2021 to do a follow up concerning unauthorized inquiries.They told me theyll do a new investigation when they responded to my cfpb complaint but when I called they told me it wouldnt be a new investigation. 

TransUnion has failed to show any permissible purpose/proof under section 604 FCRA. 

I demand inquiries be remove/delete or I will be force to settle the situation in small claims court. 

Note*list of unauthorized inquiries will be downloaded in cfpb attach documents.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (SC)

I went to XXXX XXXX XXXX system on XX/XX/XXXX. I had an XXXX, I walked in and check in at the front receptionist desk, sat down, and by the time they called me to the back to see the doctor the XXXX  had XXXX, so I informed them that I no longer needed medical services, I signed a letter stating I was refusing medical services and I then walked out of hospital. The following month, XX/XX/XXXX, I received a bill for {$150.00} in the mail from XXXX XXXX XXXX system from that hospital visit. I immediately contacted the hospital billing department and let them know what happened on XX/XX/XXXX, the lady informed me she would make a note in system to retract the bill and as long as I didn't receive a bill the following month everything would be cleared. I even called to do a follow-up call 2 weeks after initial phone call and I was informed the same thing, it had been cleared in system and not to worry about the bill. I was under the assumption that information was correct until I received a notice for a collection account on my credit report from XXXX on behalf of XXXX XXXX on XXXX XXXX pertaining to the hospital visit on XX/XX/XXXX. 
I never received any additional bills from XXXX XXXX after I made the initial phone call pertaining to the hospital visit on XX/XX/XXXX. Never received any notice that the account was past due and being turned over to a collection agency. The only notifications I got about the account was when the collection was added to my credit report. I immediately contacted XXXX XXXX and informed them of collection account and how I was not properly informed about an outstanding bill since I had spoke to a billing representative in XX/XX/XXXX. I questioned the representative about what was I billed for, what services were performed on me since I refused service. I was informed that I was charged {$150.00} simply because I walked in the hospital even though no medical services were performed on me because I refused ANY medical services. 
I sent a medical debt validation letter 1st to XXXX, and they simply responded that account was verified from XXXX XXXX. I then contacted the 3 credit bureaus sending debt validations letters to all 3 XXXX, XXXX, and XXXX. I explained the situation in my letter and the account was deleted from XXXX and XXXX. XXXX  simply responded the account was verified. I then sent 3 more additional letters to XXXX  explaining situation and informing them that the account was unverified and deleted on my XXXX XX/XX/XXXX and XXXX XX/XX/XXXX credit file and requested that the account be deleted from my XXXX  report. After 3 letters and numerous calls, the account still remains on my XXXX  report. 
I have attached all of the letters I received and the letters that I sent out and the responses I received.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My bday is XX/XX/XXXX. TU has it as XX/XX/XXXX. Ive sent numerous complaints to them & XXXX & heard NOTHING back. Oddly enough, last year XXXX XXXX I was an ID theft victim 3x- no doubt, my bday was listed as being on the XXXX then, too. Tho, I filed my XXXX taxes with a XXXX from XXXX & everything went pretty much fine BUT this would DEFINITELY explain why I dont have credit history, despite paying off a car from XXXX XXXX XXXX XXXX that was financed in my name 2 years early & having the same cell # for 20+ years & not being late for one payment. Now, I cant change my DOB for some reason.
Consumer complaint received 2024-03-08
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. (AL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.