davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (GA)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

I originally contacted XXXX to resolve the final bill that was sent to me. My service was turned off a day before I switched to a new carrier. I had already made payment arrangements to pay the bill on my next payday in which they took. Then I get a new bill with charges for the month plus reconnection fees for each phone. They were no longer my carrier so they could not charge such fees. I called to discuss the matter and they would not discuss it because I could not remember a pin number so they just sent it to collections. I never new I had a pin because everything was set on autopay and never needed that info. The last months bill was returned due to insufficient funds but was paid at a later date. I switched carrier at the close of my cycle and all phones were paid in full that's how I was able to switch with the same numbers. I responded to an email sent to me by Radius Global Solutions trying to collect a debt that I don't owe explaining that the bill is incorrect. They responded that the bill is correct and that I owe and proceeded to add the collection to my credit accounts.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I received a notification through the Wells Fargo app that I had insufficient funds. This instantly made me check my account and sure enough I had no funds in my account anymore. I saw that there had been two transactions made for {$110.00} and {$120.00} at a XXXX. I called immediately to submit a claim to Wells Fargo and called the number on my card at about XXXX that same day. I let them know that I was not the one who had made those transactions and when I was asked if I had my card physically on me I assured them that I did. They also told me that the transactions were made in the city of XXXX XXXX where I do not live nor was I near by the time of the transaction. I was in XXXX, California calling from inside a XXXX XXXX to Wells Fargo trying to get this resolved as soon as possible and avoid any other fraud to happen to the other accounts that are linked to mine. Later in the week I would call again to get an update on my claim and was told that my case had been closed and that Wells Fargo had denied my claim. There reason for denying me my money was that the transactions made at the XXXX were done using a cards chip. Again I told them that I was not the one who had made the transactions and was told that they could no longer do nothing else. I wonder if they really investigated the claim as they should have considering that I am a customer and they are providing me with a service of keeping my money secure. Both the cameras of the XXXX and the XXXX XXXX should be reviewed to prove that I was not at the XXXX and I did not insert my card to make those transactions. Im convinced that the person or people in charge of my case did not do their job to there full ability as they are required to do and instead insinuated that I lied about the claim by telling me that every chip is unique and can not be replicated.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 

I called Congress Collection, spoke to XXXX account manager, who was very rude, disrespectful, and unprofessional. Just taking me in circles to force me to pay for something I do not even owe. 
When I asked XXXX for details, her answer was always, I don't know, that's all I have. 


Account Name : CONGRESS COLLECTION Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date Opened1XXXX StatusCollection account. {$320.00} PAST due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NC)

in accordance with the fair credit reporting act convergent account # listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

these are the accounts that have violated my rights account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (SC)

On XXXX  XX/XX/XXXX I opened an email from US Bank telling me to activate my credit card account ending in [ 4 digit number ]. The email was time stamped XX/XX/XXXX at XXXXXXXX XXXX and came fro XXXX. I called the number in the email : XXXX XXXX to let them know I had not applied for any credit card with US Bank in the last 18 months. They asked for my social security number and I refused to provide it. They asked for the account number and I gave them the [ 4 digit number ] provided to me in the email. They said they needed the whole account number. I explained I don't have one and asked they look that up with the data they had sent me in the email which was my former name " XXXX XXXX '' and the [ 4 digit number ]. They said they had to have my social security number or the 16 digit credit card number. I refused to provide by social security number. The lady at that number said I would have to call back M-F, XXXX XXXX XXXX XXXX XXXX  CT. Seriously, I asked? I'm trying to report a fraud and you want me to call you tomorrow between XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT?? She got annoyed, was rude and hung up on me. There is an email address in the email to use so I did : XXXX. I emailed them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received a letter via XXXX providing the same [ 4 digit number ] and REF number : XXXX. This letter has my former name and a former address and says " we are concerned that the information on the application may not be accurate or that you did not apply for this credit card ... '' Provides another phone number XXXX XXXX and says " specialists are available from XXXX XXXX XXXX XXXX XXXX XXXX '' M-F. I called them again on XX/XX/XXXX. They were rude again. I emailed them again. The two emails and their letter are in the attachment.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

CREDENCE RESOURCE MANAGE Opened XXXX. XXXX, 2022 Balance {$260.00}
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NC)

I bought a {$500.00} Vanilla go VISA gift card at XXXX in XXXX, NC. 

On XX/XX/XXXX, I reported it lost to the Vanilla VISA company at the phone number listed on their website https : //www.vanillagift.com/ ( XXXX XXXX XXXX. 

It had a balance of {$170.00} on it. They told me to send them copies of the receipt and my Driver 's License to XXXX. They told me they would send a replacement card within 30 days. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it and they told me to wait for another 30 business days. It did not come in the mail. 

On XX/XX/XXXX, I found the card and checked the balance but it was empty. I called them and talked to XXXX, and she said to continue waiting for the replacement card to come in the mail. It did not come in the mail. 

On XX/XX/XXXX, I called to tell them that I had not received it, The man I talked to asked me for more personal information, and i was stupid enough to give it to him. He then told me to wait another 30 business days. It did not come in the mail. 

I actually waited to call them this last time because I felt so frustrated about it. 

On XX/XX/XXXX, I called to tell them that I had not received it and when they told me to wait another 30 days, I politely told them I had to report it.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

MEDICAL DATA SYSTEMS INC XXXX Opened XXXX. XXXXXXXX XXXX Balance {$730.00} MEDICAL DATA SYSTEMS INC XXXX Opened XXXXXXXX XXXX XXXX Balance {$320.00}
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

I received a hit to my credit score by XXXX points down and checked what changed and it says it is at a debt collector for XXXX  : Radius Global Solutions in NJ and references XX/XX/year> through XX/XX/year> and all my bills are paid online to XXXX because the increase of fraud with XXXX  especially at XXXX XXXX XXXX XXXX. I paid my latest bill and everything is paid in full so this is clearly another scam affecting my credit now.
Consumer complaint received 2021-09-06
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 a company wfds auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you
Consumer complaint received 2020-04-27
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 {$0.00}, {$2300.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I had student loans for grad school and XXXX through XXXX. I have been working as a XXXX XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX, which is a non-profit legal assistance law firm ( provides legal assistance to low income people in civil matters. ) Believing that I should qualify for 8 years of payments ( approximately XXXX of the required XXXX payments ) under PSLF, I applied for such before the XX/XX/XXXX deadline. I was required to consolidate my XXXX and grad school loans with Mohela to do this. I would never have consolidated these loans, except to get the PSLF ( my XXXX interest rate was very low ). Now, my loans are consolidated with Mohela, and I was approved for PSLF, but it is showing XXXX qualifying payments. Their website shows my PSLF application was processed on XX/XX/XXXX on the " documents received '' screen. My employer and I filled out the document correctly. ( Or if we did not, I never received any notification from Mohela that we did not. ) The only payments that appear to count, per their website, are the 4 since consolidation. It also states that it needs employment certification, but it processed that certification on XX/XX/XXXX. I should have about XXXX qualifying payments. This mistake if it stands will cost me over {$100000.00}. I submitted a question to Mohela and received a response on XX/XX/XXXX that I must call their XXXX. They did not attempt to reach out to me or to fix the problem. The same thing happened to my husband who XXXX XXXX at a XXXX XXXX He will make a similar complaint also.
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (GA)

I was sent a letter from ARC management group XXXX dated XX/XX/22 stating they were contacting to settle. I called and explained I was sent the letter on XX/XX/22 for a settlement, which is about XXXX weeks ago. The XXXX  who answered, XXXX, stated that they never sent the letter. I have the letter in hand, and disagreed that they didn't send me a settlement offer. She then stated that was last month 's offer and they wouldn't honor it. I asked if that was some sort of scam, sending out settlement offers and then pretending they didn't exist or were expired. She then stated they were trying to help me, and if I didn't pay it would go on my credit report and then hung up on me. I attempted XXXX more times to work with XXXX, each time she would hang up on me. She stated I was being rude multiple times, however it was more her being rude to me. I was merely stating that they had sent me the letter and I felt that not honoring it was deceptive. She obviously didn't like that. In the end I contacted XXXX XXXX 's hospital and settled the debt with them, because ARC did not seem trustworthy at all.
Consumer complaint received 2022-09-17
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. (NC)

I am upset that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has frozen my bank account for a SBA loan I was approved for. I have spoken to the SBA and that indeed is my loan, I provided all necessary information. They are gaining interest on my money while holding it. When I was approved for the SBA loan through XXXX XXXX, they were informed I can have it deposited there with no issue. I have complied with giving all information that is required, including my loan approval. 

I am a XXXX XXXX and do not have a XXXX account. Furthermore there are no branches in my area to even walk into to do so. 

My money is all frozen. I can not do anything now, I have a family and my whole life is on there. Please, look into this. 

Many people have had this problem. Its wrong when we are hard working people trying to survive. We are not criminals, please assist.
Consumer complaint received 2022-06-28
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. (TX)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America fraudulently took {$6900.00} three times from my checking account. I paid of the balance of {$6900.00} on XX/XX/XXXX on XX/XX/XXXX XXXX they took out the {$6900.00} again, then again on XX/XX/XXXX. 
Confronted with their mistake they told me they would replace the funds on 3 to 5 business days. 
This cause more over drafts and fees.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : TransUnion Acc # XXXX Acc.XXXX XXXXXXXX XXXX # XXXX Acc. XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : TransUnion Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h

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