davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Garner & Conner, PLLC (NV)

On XX/XX/XXXX, I reached out to the attorneys office, Garner and Conner in Tennessee representing creditor XXXX XXXX to follow up with them regarding a payment arrangement for a balance of {$15000.00} that I had from a voluntary repossession. When I spoke to the Legal Assistant, XXXX XXXX, she informed me that I now have a default judgment as of XXXX of XXXX which now made the balance {$25000.00} accumulating interest daily. I was totally unaware about a default judgment because I never received any correspondence regarding it because of course, I was trying to work something out with them before the new alleged court date ( original court date set for XX/XX/XXXX ). I had been in contact with this office since XX/XX/XXXX to set up a payment arrangement initially dealing with a legal assistant who no longer works there. When I filed a complaint around that time, they responded by saying they had reset my court date to give me more time to arrange a payment plan. The court date was never reset, and this was also confirmed by the Nashville XXXX XXXX court. XXXX XXXX  sent me a letter stating that if an acceptable arrangement isnt worked out, the matter would be pursued in Nevada where I currently reside as of XXXX, and I hadnt heard anything else since. After speaking with XXXX, she informed me that my case would be handed off to another legal assistant, XXXX XXXX. XXXX XXXX  requested my last two check stubs and my monthly expenses which I provided on XX/XX/XXXX and offered 20 % of the balance, so Im not understanding what is taking so long to decide if they would accept my offer for a settlement. We literally just went through a pandemic, and people are trying to get back on their feet including me. I am trying to take care of this matter and get this mistake behind me, and I feel that they are stalling and I am getting the runaround. XXXX was supposed to check with her supervisor to find out what happened to the court date that was supposed to have been reset. The ball was dropped somewhere and this is not only affecting me, but the future of my XXXX  son, as I am a single mother. Ive followed up with XXXX a couple of times regarding this, and she stated that her supervisor hadnt looked into it yet and it had been 2 weeks that passed. I called today because another 2 weeks has passed and still nothing!
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Health Investment Company, LLC. (TN)

I was rear ended in a car accident on XX/XX/2019. I went and received medical attention on XX/XX/2019. I filled out of the form with information from the other insurance company. Today on XX/XX/2019, I received a certified letter in the mail from a collection agency named XXXX XXXX XXXX XXXX, XXXX TN stating they put a lien on my house for medical bills unpaid. First of all, I never received a bill from the hospital to pay anything. I called the other parties insurance company and they stated they never received any bills from the hospital. So the hospital never sent out any bills but immediately turns it over to a collection agency who states they filed a lien on my house. At the top of the letter it states they filed with the county clerk in XXXX XXXX. My house is not even located in XXXX XXXX. I, then call my local property accessors office and ask if there has been a lien placed on my house and they say no there is not a lien on my house. So this collection agency is using scare tactics.
Consumer complaint received 2022-07-19
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. (NY)

TransUnion Credit Report Numbers # XXXX TransUnion refuses to take action in regards to Four fraudulent inquires made without my permissible purpose or authorization. 
-XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DATE XX/XX/2021
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I live in XXXX and headed down to XXXX for the weekend. The only money I took with me for the road and to be over their was my debt card. Being over their i would be checking my account through the app because I would see how much money would be charged when I used the card at a store because obviously the money charge is different over their. When ever it was time to come back I went to the gas station to pump gas. When I was trying to use the machine outside it said declined. So I opened my account but it didn't say anything like if i did some transactions so I closed the app. What i mean by it didn't ask if i did those transactions because usually when the bank notices a unusual transaction it notifies me. So i went in to the store and it declined as well so i opened the app again and nothing. I went outside and checked my account to see what was going on. That time when I opened it it notified me of some unusual transactions. A company deposited in my account a total of {$5100.00} or so and then was removing all the money in parts. As in they kept depositing {$420.00} until they reached that amount then was removing the money in amounts of {$420.00}. Obviously I wasn't aware of it until that moment. But I couldn't say put that I didn't allow the transaction or else they would block my card and I wasn't going to have a way to go back home if that was the only card I had with me. So I said yes I was aware of the transactions and well the next day I called the bank because they didn't just removed their money but mine as well. And know the bank doesn't want to help me unless I have proof that I didn't do those transactions. But I have no way of proving that because I don't even knw what that company is about.
Consumer complaint received 2023-03-29
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. (TX)

The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-29
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)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2023-03-30
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)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation (MA)

Albert bank offered a new checking account bonus of {$500.00} for completing completing the following actions : * Direct Deposit $ XXXX every 30 days for 90 consecutive days * Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days Albert also offered a {$500.00} bonus for referring others to open an Albert account XXXX up to a maximum payout of {$1500.00}. On XX/XX/2022, Albert confirmed in writing that I had referred 5 people. 

Here is my timeline : * Opened account XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * Albert paid me {$500.00} for a referral on XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 At this point, according to their terms, I should have been paid a {$500.00} bonus for opening the account. Additionally, I should have received my remaining {$1000.00} for referring others to Albert. 

I have reached out to albert inquiring about the remaining bonus money. Albert told me they would look into it, then stopped responding. Additional attempts to inquire about the promised bonus resulted in no response.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/2023 I noticed a transaction that I did not do. I looked at my account history and found out that they had been doing it since the middle of the month previous. I called Wells Fargo and submitted a claim of fraud totaling {$11000.00} over 39 transactions. Wells Fargo fraud submitted the claim and said it could take a while to process. Later found out that I was a victim of identity theft, the person or people involved cloned my phone accessed my XXXX had access to both of my banks. Credit cards, debit cards, XXXX and XXXX XXXX accounts. This person or persons drained my XXXX account sent it to my Wells Fargo account and then sent it to my XXXX XXXX account and then sent it the money to themselves. All of the money through XXXX to accounts that don't exist anymore. They maxed my credit cards and drained my other bank account as well. Those have been fixed and reversed but not Wells Fargo! I filed the The claim through Wells Fargo. And then I went and filed a police report as well. Got a message from Wells Fargo denying my fraud claim and said that it was not fraud. I tried to explain to them that yes it definitely was fraud because my phone was cloned and I had to get it completely reset and lost all of my information that they did not just drain Wells Fargo. But they drained my other accounts and credit cards and that I filed the replace report. The fraud specialist told me well. The decision is final and there is nothing that we can do. Your claim has been closed and can not be reopened. I was very mad about how I was treated so I filed a complaint that complaint took me to executive and I filed a complaint there as well. Still to this day they are saying nothing can be done.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

I am trying to sell a couch on XXXX XXXX XXXX  and I got scammed. The scammer convinced me that I needed to send {$300.00} to the Zelle agent in order to up my credit limit. 

I reluctantly did because this was my first time selling something on marketplace and the email looked like it came from a Zelle accredited email. 

This all happened on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-09
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. (NJ)

i sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (GA)

The date of XX/XX/XXXX I sent to XXXX {$750.00} via company called Sendwave.their agents had given me wrongs codes which must be given to the recipient, since the recipient could not receive the said sum, because the codes were incorrect after that they canceled the transaction.I waited and then started calling them without success after which I emailed the recipient and information but still do no avail.
Consumer complaint received 2023-02-24
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-03-15
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. (TX)

I have contacted XXXX XXXX XXXX on several occasions via certified letters ranging from XX/XX/XXXX to XX/XX/XXXX, to resolve this matter. Currently on my credit report, there are two missed payments showing for XX/XX/XXXX and XX/XX/XXXX. I applied for a forbearance on my loans as I was recently laid off from my job at the time and was experiencing a financial hardship. It was my expectation that the forbearance would only take a few days to process and therefore be applied to my account timely. I was never informed the processing time could take longer than 30 days and never directed on when to reapply, check the status and/or make payments to my loans. It is my wish that the missed payments are updated to be within good standing and reflect the forbearance during those months.
Consumer complaint received 2022-01-20
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. (AZ)

TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC XXXX XXXX. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me emotional and physical distress.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Starting XX/XX/XXXX I noticed I started getting pinged for credit inquiries, both soft and hard. Didn't think much about it, until too many inquiries were hitting my report. Someone has my information including but not limited to social security number, email, phone number, date of birth. This allowed them to make the following inquiries to allow them to open several accounts ( credit cards/debit cards/cell phone ) : XXXX. XX/XX/XXXX - credit card attempt with Capital One = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX XXXX  = FRAUDULENT XXXX XXXXXX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX = XXXX XXXX. XX/XX/XXXX - credit card attempt with XXXX XXXX  = FRAUDULENT XXXX. XX/XX/XXXX - account + cell phone purchase with XXXX = FRAUDLENT XXXX XXXX  XX/XX/XXXX - credit card with XXXX XXXX = FRAUDULENT There are likely more out there on the different credit bureaus ' reports for me, but these are most of them. Also, and perhaps the most disturbing event happened XX/XX/XXXX. Someone in a black hoodie came and rifled through my mailbox, no doubt looking for a credit card he ordered or to get hands on proof of address from my home. Totally creepy. XX/XX/XXXX, while I was away for business in XXXX, my wife, XXXX XXXX opened a police report on my behalf. Report XXXX was filed with XXXX XXXX Police Department , specifically with Officer XXXX XXXX XXXX XXXX. Outlined in there were the several pieces of identity theft as well as the event where someone came to our home. I had opened disputes and thought this was all taken care of until this week, more than a year later. 

In the attempt to move/purchase a new home, my credit report showed a low number in the XXXX 's. Seeing as how I have no debt outside my mortgage and one other 0 % interest plan, I couldn't fathom why it was so low. Come to find out the hard inquiries were never removed, and the XXXX account with {$130.00} past due was never truly closed and removed either. Over the past 24 hours I have spend 10+ hours with credit bureaus and vendors attempting to remove the fraud on my account in the hopes my credit can be repaired to the high XXXX 's to help with a lower mortgage payment come XX/XX/XXXX in my new home. 

This has cause XXXX  and stressors on my family that I wouldn't wish on my worst enemy. I can only hope whoever reads this has sympathy on me, as I am a law abiding citizen that doesn't allow himself/family to live in perpetual debt. Please help me heal my score and my family as we move into a new chapter of life. 

Thank you and XXXX bless. 

XXXX XXXX
Consumer complaint received 2023-03-30
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.