davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SD)

I have been dealing with Wells Fargo for months now over {$9000.00} worth of fraudulent charges that took place in XXXX. Last month I filed a CFPB complaint case number XXXX. Wells Fargo has finally credited the amount of the charges back to my account on XX/XX/XXXX. I received 3 letters from them dated XX/XX/XXXX regarding the CFPB case and 2 other complaints about the same fraudulent charges, stating that Wells Fargo had accepted the charges as fraud. Two of the letters, including the one that was CC 'd to the CFPB, state that Wells Fargo had credited the amount, as well as {$480.00} in accrued interest to my account. The third letter stated that the transaction was resolved in the same billing cycle so did not accrue interest. I am attaching these 3 letters. I repeatedly left messages with XXXX XXXX, the Escalation Representative on the case, asking about the interest charges that had not been credited back to my account, these calls were never returned. Today ( XX/XX/XXXX ), the amount of {$340.00} has been credited to my account. 

Wells Fargo has lied to the CFPB in the letter that was CC 'd regarding my case. Wells Fargo still owes me {$140.00} in interest charges. 

Wells Fargo has also refused to provide me an explanation regarding the investigation of my fraud case. On XX/XX/XXXX I called the fraud claims department to check the status of my fraud claim reconsideration, and was told that it had been denied. I was told that the credit card used for the purchases had been activated the same day as the first purchase ( XX/XX/XXXX ) using my phone number on file ( XXXX ). After getting off of the phone with the operator, I checked the call history on my phone and later on my phone bill to confirm that I had in fact not called any number to activate a credit card. I called the fraud claims department again the same day and told them that I had proof that my phone had not called any Wells Fargo activation number and that I wanted my case reopened for reconsideration. I called a third time that day to try to get more information regarding the duplicate credit card that they had sent out and found out that Wells Fargo had sent a duplicate card to an address in XXXX, California, XXXX miles from my home, and when I asked about the activation of the call, the representative looked up the record and found that there was NO phone number listed on the record of the activation. 

One of Wells Fargo 's fraud investigators lied in claiming that my phone number was used to activate the credit card. They lied in order to hold me liable for {$9000.00} in fraudulent charges that took place because of Wells Fargo 's lax security policies. They shipped a duplicate credit card to a place that I have never been to, XXXX miles away from me. The fact that it was a duplicate card made it incredibly difficult to even understand what had happened, and their fraud investigation team is either too incompetent or too corrupt to figure this out.
Consumer complaint received 2023-03-30
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. (FL)

On XX/XX/XXXX, I called my personal banker to increase my credit limit on my card to pay for a new motorcycle. I didnt need credit, I just wanted to take advantage of points offered. They needed to go through proper channels for a credit check. I had, unfortunately, voluntarily lowered my limit as I felt it was too high when I ordered a new card recently. My credit report shows an outstanding loan, without payments, for {$15000.00} plus fees, opened in XX/XX/XXXX. This was at the XXXX XXXX XXXX XXXX in XXXX Florida. I called immediately and was told that XXXX handles those accounts in recovery and he would call within 24 hours. He did not, although I left my information. I called today, XX/XX/XXXX, he was still out. I was told he couldnt reach me and left a voicemail on XX/XX/XXXX. He did not, as he was calling the party in question, who has an address in Georgia. The receptionist said that she would give him my information. I was not satisfied with that as this needs to be taken care of immediately. She then said, after asking someone else, that a packet for stolen identity would be mailed to me as that is the next step. I asked if they could just review the SS number as perhaps it was a simple error. They would not investigate without this packet, or talk to me further. I will call XXXX again tomorrow, XX/XX/XXXX. I have no debt, other than a monthly credit card bill that is paid in full.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2022-07-19
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. (TX)

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX  XXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2023-03-30
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. (GA)

The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau XXXX XXXX ) about my identity being compromised, and the information is still there.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION (LA)

- A loan agreement was entered into between XXXX XXXX XXXX and M & T Bank on or about XX/XX/XXXX. 

- On XX/XX/XXXX, a discussion between XXXX and I came to the conclusion that we should have received some type of statement, by now, from M & T Bank regarding a first payment being due. At that time, we reached and were told that we did, in fact, have a payment due on XX/XX/XXXX. Seeing as how we were late, we made that payment over the phone and verified our billing address in order to begin receiving monthly statements. 

- Received my next months statement ( attached ) in the mail for XX/XX/XXXX XX/XX/XXXX, paid it online on XX/XX/XXXX. This was the only statement ever received from M & T Bank. 

- Next months payment was made on XX/XX/XXXX online, but no statement was received. 

- Enrolled in XXXX on XX/XX/XXXX via a mailed document ( attached ). 

- On XX/XX/XXXX at XXXX CST co-signer of the M & T XXXX XXXX XXXX XXXX XXXX XXXX received a phone call that there was a past due amount on our XXXX XXXX. The call seemed somewhat unprofessional and invalid, thus triggering XXXX to believe that the call was fraudulent. An attempt was made to collect payment, but was denied due to the call seeming bogus. XXXX made a call to me to let me know, but I was driving at the time and did not look into the call until I got home. Upon arriving at home at roughly XXXX, I looked on the M & T app and realized that the call was accurate. This triggered me to enter into a payment for the past due amount of {$330.00}. This was the first contact that was made by M & T Bank regarding any type of past due amount. No phone calls, no written contact until XXXX ( CST ) XX/XX/XXXX. 

- On XXXX I was notified by my credit monitoring agency that my credit had taken a substantial hit for a delinquent account ( M & T Bank ). 

- A letter XXXX attached ) was written and sent on XX/XX/XXXX to dispute this claim with M & T Bank, explaining the circumstances, and requesting the derogatory remarks be removed from my credit report. A reply letter ( attached ) from M & T Bank was written on XX/XX/XXXX, and received on XX/XX/XXXX indicating that no action would be taken by M & T Bank in regard to removing the derogatory remark from my credit report. A second letter XXXX attached ) was generated, by myself, on XX/XX/XXXX regarding their decision to take no action. 

We are of the opinion that there is some type of communication disconnect between M & T Billing Department XXXX M & T Customers, and the M & T Collections/Credit Department, and that our credit scores should not reflect this negligence. As stated previously, both XXXX and my credit scores have been immaculate up until this incident.
Consumer complaint received 2022-01-18
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. (IN)

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2022-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2019-02-19
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Me and my son were lied to by XXXX XXXX back in XXXX of XXXX XXXX we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX and also XXXX which I have recently been diagnosed on that XXXX as having as well as the XXXX diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to COVID-19. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent XXXX, TransUnion, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Consumer complaint received 2022-07-19
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. (NY)

I have disputed these accounts numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The accounts need to be removed as it is fraudulent : XXXX XXXX  XXXX Balance {$5600.00}, XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-03-30
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. (FL)

I am distressed that you have included the information provided in my credit report. You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Everything in your power needs to be done to make sure this is true. Meaning every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts you post on a credit file. If not, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. Please remove these accounts from my file.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a fraudulent charge of {$1700.00} was made on my Bank of America credit card by XXXX XXXX. I had been in the pharmacy, but my charge was for an item under {$4.00}. On XX/XX/XXXX, Bank of America documented the fraud dispute and removed the charges. Without properly performing the necessary inquiry and without proper explanation, Bank of American reinstated the charge the following month. I have repeatedly explained to Bank of America representatives that this charge was fraudulent. Nonetheless, Bank of America has erroneously continued to demand payment for this fraudulent charge and has illegitimately ruined my credit score by over 350 points. On XX/XX/XXXX, Bank of American wrote that it had made the decision to close my credit card. Because of Bank of America 's actions in ruining my credit, I am now unable to obtain any reasonable credit, including another credit card. 

I repeatedly and in good faith attempted to resolve this fraudulent charge but Bank of American has stonewalled with no explanation. The customer service department claims they are unable to access the account and to resolve this issue in any manner. The bank branches that I have visited also say they are powerless to resolve the baseless actions taken by Bank of America. 

Bank of America has repeated harassed me to pay a fraudulent charge that they failed to properly investigate. Bank of America has violated my right to have fair and accurate reporting of my credit information. I have been attempting to work on this issue for months with absolutely no resolution to this problem. Bank of America representatives, including branch employees are at a loss as to what steps to take to correct this problem and cant even access the credit card to rectify the issue. They don't even have a phone number to their legal department and say that they don't even have a legal department. 

I have been a board certified physician in good ethical standing, and good financial status for over 50 years. My reputation and financial status was unblemished until Bank of America recklessly handled the fraud charge on my credit card and erroneously notified credit bureaus that I had not paid my obligations. Bank of American continues to wrongfully claim that I owe them the {$1700.00} charge from XXXX plus penalties and interest. They have been inept, reckless and possibly fraudulent. I relied on them to properly perform their duties with regard to this fraudulent charge.