davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$1200.00} Charge-off XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX BANK XXXX XXXX Balance : {$850.00} XXXX BANK XXXX XXXX Balance : {$420.00} XXXX XXXX BANK ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kansas Counselors, Inc. (NE)

I am a guardian of the patient who used the medical facility. I do not and have never been in control of his finances. They turned the bill over to collections, then instead of the patient 's name on the bill for payment, they put my name on the bill requesting that I personally pay it. They asked, over the phone, if I had drove him to the hospital. I responded I did not and my name should have never been substituted on this bill.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (NY)

I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX - XXXX, XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (MD)

We signed up with XXXX in XXXX yet had multiple Internet, TV, and phone outages. At first I was told we would be given three months of credit for our troubles. After that did n't happen -- due to XXXX 's shoddy record keeping -- and the outages persisted, I explained to them that since their service was unreliable we had to cancel our account with them and did not want to be held responsible for the early termination fee. The agent that cancelled my service told me this would be taken care of in early XXXX. 

Over the course of the last nearly two months, I have been told by at least SIX different XXXX representatives how sorry they are that the charge has not been removed and how they will eliminate it and it is not our responsibility. Not only have they still not eliminated it -- nor even have any record of my previous calls -- but now I am getting collection notices from Credit Protection Association threatening to report me to the credit bureaus.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MI)

American Express sent a new credit card in my name to XXXX California and cancelled the card I possessed in XXXX. My identity theft service and I spent numerous hours with XXXX resources around the world, and all American Express personnel continually refused to give me details about the fraudulent telephone call, and most did not call me back as they said they would. Their response to my original letter did not in any way answer my question or resolve my issue. Specifically, I want to know what that criminal said that caused American Express to send a credit card in my name to an address that was never ever on my account. I also want to understand the policies and procedures for sending credit cards to addresses that are not part of the account, and what the law states. 

I placed my American Express credit card on hold until I received the info that I requested, and I never did. This month, they have billed my account for an annual fee, which I am obviously not paying, I only used the card for 4 months after I got it and until this situation is resolved to my satisfaction, I will keep the card in an inactive state. 

I would like someone to contact me with the information requested so that I may evaluate the security practices and my desire to keep this credit card. I have a right to know the details of that call and am at a loss for why American Express will not provide it to their customer. I have been using corporate American Express cards for may years and this unresolved issue will cause conflicts with corporate customers that I may be employed by in the future. 

I can try contacting an investigative reporter from XXXX of the major networks, but I prefer to avoid that headache, so if CFPB can get a better response than I got the first time American Express sent a letter to me, I will be thankful.
Consumer complaint received 2016-08-25
Product: Payday loan — 
Issue: Can't contact lender — 
Company: LD Holdings Group, LLC (GA)

I am having financial difficulty and have asked the company to refinance to a lower interest rate or if they had a hardship program and they insist tbey do not. They are not willing to help me at all lower my payments! The company is Loan depot.I just want them to work with me.
Consumer complaint received 2024-11-07
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. (IL)

I am asking for your help regarding an inaccurate account that is listed on my credit report. This concern impacts my reputation as a customer, so I need your support to address it. I want these inaccurately reported accounts removed because they have a negative effect.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill. 
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.
Consumer complaint received 2016-08-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CO)

When calling to find out when monthly fees occurred, since I 'll be closing my account and canceled my direct deposit, I was suggested to go to the grocery store and make XXXX separate purchases. Even if I were to do this for one month, how would I be saving? 

While trying to expedite a payment with XXXX, they needed confirmation from Wells Fargo that I had the funds for the payment. They brought Wells Fargo in on the line and customer service asked a couple questions to verify me. " What was my full social security number and my login username for online banking ''. Keep in mind there is a 3rd party rep from XXXX on the line still. She told me that she would not be able to help me if I did n't give that information up. After confirming my identity, she was about to give the XXXX rep my totals in my bank account. All he asked was " Does he have $ XXXX available in his account? '' I had to stop her and ask her to just answer his question and that he does n't need to know my totals.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP (NY)

I received on XX/XX/XXXX a letter in the mail from Pressler & Pressler with a court date of XXXX XXXX at XXXX. The last contact I had with this company was XX/XX/2015 after a summons had been found on my sister 's front door, the incorrect mailing address. I quickly called and agreed to enter a repayment plan as soon as the requested paperwork - a verification of the amount owed, a payment agreement in writing - would be presented to my current mailing address. I refused to provide my bank account/credit card via phone until that information had been forwarded to me. In the letter left in my mailbox, Pressler and Pressler indicates the dates of our communication as being over a year ago and fails to provide any repeated communication attempts or explain how I failed to make payments on an arrangement which was never agreed upon. Pressler & Pressler has failed to contact me or make any attempts to enter a payment arrangement with me and failed to provide any correspondence for the past year.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MI)

My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In 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.

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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BBVA FINANCIAL CORPORATION (TX)

Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.
Consumer complaint received 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

DEFAULT JUDGEMENT. I have made a complaint against TransUnion in reference to XXXX account that was being reported. I have attempted to invoice since removal and receiving my proof of claim. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. This is my XXXX attempt, after this I will pursue litigation if no resolution within a timely matter.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Recovery Management (FL)

Assumption : XXXX and XXXX facilitate my Social Security number to collection agencies. 
Explanation : I received a service from a medical clinic last years ( XXXX ), my co-payment some how was not process and the clinic sent my case to a collection agency. Notice that I never shared my SS # with the medical clinic nor with the collection agency. 
Last XXXX 2016 the report showed on my son 's XXXX credit report. At that time, I called the collection agency and inquired on how they reported a service on my son 's credit without his SS # ; when I was the one who received the service? They responded : " We just send the information to the credit reporting agency and they place the inquire on your credit ''. 
I called XXXX, submitted a complain, and the report was removed from my son 's credit report. 
This month XXXX XXXX ), I notice a change on my credit score from XXXX. There was an inquire from the same collection agency on my credit report. 
Question : How is the collection agencies reporting to XXXX and XXXX without SS #? 
How is XXXX and XXXX obtaining information and adding it to credit report without SS #? 
Are XXXX and XXXX randomly adding information to consumer 's credit without SS #? or Are they facilitating SS # to collection agencies to add inquires to consumers report?