davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Accurate Background (UT)

The company Accurate Background : For new hire soon to be employees. Employers are unable to obtain background checks in a timely manner. Employers are unable to fill positions and new hires go without employment while waiting for the results. Many complaints are posted with the XXXX XXXX XXXX. One new hire waited a month for his background check and went homeless while waiting to be able to start his new job. I personally haven't been able to finish my leasing paperwork for two week. I fear that the low income apartments will be taken before I get the background check. Meanwhile, my bank account drains as I pay for a extends stay hotel as my transitional housing.
Consumer complaint received 2023-01-04
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. (FL)

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. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MI)

My son sold me his car on XX/XX/XXXX. His loan on the car was through GM Financial. 
I got a new loan on the car through my personal credit union. 
In Michigan, I need a clear title without the lean on the title to register the car in my name. 
Today XX/XX/XXXX, we have still not recieved the clear title. 
The check was cleared XX/XX/XXXX. 
I dont understand why I cant have the proper documentation I need to register my new car. I have been staring at it in my driveway for almost a month unable to drive it because it can't be registered to me until I get this paper clearing the lean on the car. 
GM financial wont send me or my son any documentation for me to get this car able.to register to me until XX/XX/XXXX. Then they told me I needed to wait up to 15 days for it to come by mail. 
This is absolutley ridiculous. How we he have been able to send this to anyone? The service with GM Financial has been horrible. I have been hung up on several times just trying to find a way to be able to drive this car and have my freedom of driving.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (IN)

I recently had some fraudulent hard inquiries being reported on my Equifax credit profile that I disputed with Equifax directly. Based on the information Equifax sent to me three hard inquiries that were stated to be deleted are still reporting on my Equifax report even though they have sent me a letter stating that they were deleted. The following three hard inquiries include XXXX, XXXX XXXX XXXX, and XXXX
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I regularly received solicitation from Huntington Bank for opening an account. They always ask for direct deposit. On XX/XX/2018 I received an offer to open an account with them and deposit at least {$1000.00} within 60 days and I would receive a {$200.00} bonus in my account. Well after I made the deposits I never received my bonus. I contacted the company service line and I was told that my account did not qualify. The rep said that I must have direct deposit of {$1000.00}. This was absolutely not true. The offer clearly stated deposit not direct deposit. I had been receiving offers from them and this one did not mention direct deposit. I feel like Huntington Bank defrauded me into getting a checking account with them. They used false advertising and defrauded me into doing business with them. I have attached a copy of the ad. At the bottom it clearly states no direct deposit needed.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (HI)

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$160.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please see attached for experian data being reported inaccurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please also see attached for proof of {$20000.00} limit given by XXXX.
Consumer complaint received 2021-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

XXXX. Sometime before XX/XX/2021, an annual consumer credit report was requested by me XXXX. Upon review of the reports, noticed a collection account reported Receivable Management Systems. 

XXXX. After seeing this error, I immediately disputed the alleged collection account with the credit bureaus. 


XXXX. After an investigation, the bureaus came replied stating the account was verified with Io, INC. name and address. 


XXXX. On XX/XX/2021, Io, INC ( Receivable Management Systems ) caused to be delivered to me a letter ( " Letter '' ) in an attempt to collect the alleged debt. 

XXXX. Claiming some time prior to XX/XX/2021, an obligation was allegedly incurred by XXXX to XXXX XXXX. 

XXXX. The Letter is a " communication '' as defined by 15 U.S.C. 1692a ( 2 ). 

XXXX. The alleged Patient first obligation is a " debt '' defined by 15 U.S.C. 1692a ( 5 ). 

XXXX. Io, INC ( Receivable Management Systems ) contends that the alleged debt is that their records show debt is still due and owing as of the date of the letter. Also, the dept has accrued late fees of {$48.00}, and a collection fee of {$40.00} and Because interest, late fees, and other charges may vary from day to day, the amount due on the day you pay may be greater. 

XXXX. Io, INC ( Receivable Management Systems ) collects and attempts to collect a debt. 

XXXX. Unable to find records of the alleged collect accounts claims and suspicion of the authenticity of the document sent in the letter that offered no copies of original documents. 

XXXX. On XX/XX/2021, I sent Io, INC ( Receivable Management Systems ) a letter requesting proof of legal claim to the alleged Debt or removing the derogatory account from the Plaintiffs credit report. 

XXXX. The Letter stated in part : On XX/XX/2021, I received the documents you sent to validate the debt. Let me inform you that a debt is owed does not give you the legal right to collect on the debt? 

XXXX. There was no action from Io, INC ( Receivable Management Systems ) as far as proving the legal claim to the debt or removing the account from XXXX 's credit report. 

XXXX. On XX/XX/2021, I sent another letter. 

XXXX. The letter stating in part : On XX/XX/2021, at XXXX pm, your office received my request for Receivables Management Systems, also known as Io INC, to validate the debt you claim that I owe your company. You have not responded to my request, and you are in DEFAULT. 
Your company has made it clear that you are using unfair and deceptive means to collect a debt. Immediately remove any derogatory reporting to the credit reporting agencies XXXX. Io, INC ( Receivable Management Systems ) then closed the account on XX/XX/XXXX and then reopened the account on XX/XX/XXXX with an increase of a dollar.
Consumer complaint received 2021-04-07
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Aldridge Pite, LLP (CA)

On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt XXXX will also come after us.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (OH)

Bought XXXX phones from XXXX. Their financing arm is TD XXXX Card Services. XXXX repeatedly screwed up the amounts, failing to credit us for the XXXX phone trade in; failed to credit promised {$50.00} charger ; incorrectly tallied sales tax. Little by little, after much back & forth, XXXX has made adjustments, & agreed to waive late fees ( which were caused by waiting to see their repeated promised " fixes '' which caused me a lot of work on emails & phone calls. TD is still reporting incorrectly. Every month, they attempt to fee us & claim we owe them more ; in fact, we are actually paying more cuz the {$31.00} was based on the wrong amounts to begin with! XXXX claims it will all come out in the wash ; TD just tries to extort us. I have even done the math for everyone & still they persist. 
To date, XXXX XX/XX/XXXX XXXX, we should be at {$860.00}. No more. No late charges on the books ; & the {$31.00} monthly chg is still high but is acceptable to us to pay this down. Pls have them correct, once & for all.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (WI)

Truist Bank Corporation are currently engaged in business practices that are like that of XXXX XXXX in XXXX. The Truist Bank Corporation has failed in due diligence in " know your client, '' by failing to follow basic anti money laundering laws, FINRA Rule 2090 ( Know Your Customer ) and FINRA Rule 2111 ( Suitability ), Patriot Act ( anti-money laundering ), wire fraud, cross selling, fee accruing scams, and fake accounts to money mule funds from an individual. 

I put a Credit Freeze on XXXX, XXXX and XXXX on XX/XX/XXXX as a result of credit bureau data breach. I called XXXX XXXX ( XXXX ) XXXX at XXXX on XX/XX/XXXX and put my account on fraud alert. XXXX said they would notify XXXX and XXXX. I received confirmation letters from XXXX, XXXX and XXXX. were received which were dated XX/XX/XXXX, XXXX Credit report was received from XXXX XXXX dated XX/XX/XXXX, with no indication of wire fraud. 

I received a letter from Truist Bank Corporation regarding an online account application. The letter was received on XX/XX/XXXX. The letter from Truist Bank Corporation was dated on XX/XX/XXXX. The sender was Truist Client Center, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Phone number XXXX ( XXXX ) XXXX and website www.Truist.com. 

I have not applied for any online accounts. I tried to reach the Truist Fraud Department on XX/XX/XXXX at XXXX. The phone number is XXXX ( XXXX ) XXXX only offered automatic phone service only. I called the following business day, Wednesday, XX/XX/XXXX at XXXX. He called a branch office for help on phone number XXXX ( XXXX ) XXXX. The representative said I could call the Fraud Department on XXXX ( XXXX ) XXXX # XXXX alternatively visit a branch in North Caroline for help. The branch manager transferred Me to the Fraud Department. I was on hold until XXXX. The Fraud Department recorded My name, date of birth and home address plus the information available on the account statement. The Fraud Department stated they would mail a resolution in 6 to 8 weeks ( around XX/XX/XXXX and XX/XX/XXXX ). The phone call with the Trust Department was over at XXXX PM. 

Truist Bank Corporation has continued to open accounts and extend credit despite knowing it was fraudulently opened by its associates. 

I have already contacted the Securities and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding your fraudulent business practices. Their letters are attached. I will contact the Federal Trade Commission, Consumer Financial Protection Bureau and Federal Bureau of Investigation and inform them regarding Truist Bank Corporation 's fraudulent business practices. 

I will continue to cooperate with law enforcement as the case is built against Truist Bank Corporation as it is continuing to violate state and federal laws.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (AL)

I sent the collection agency True Accord a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from True Accord. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX  who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account XXXX  XXXX  regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Inc. uses offshore call centers to collect debts. In telephone calls with me, their representatives used false names. It appears MCM instructs them to use an Americanized name in order to convince people to pay the debt despite giving their personal information to an offshore call center. 

By falsely representing the true name of the collector, and Americanizing their names, MCM is violating the false representation provisions of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I have made multiple attempts to reach Mohela to discuss the status of my XXXX eligible student loans. I provided them additional documentation which I was told would be reviewed within 5 business days- this was almost 6 weeks ago. I spent an inordinate amount of time calling their various numbers to try to speak to someone but their automated system makes it nearly impossible to reach anyone who can help. Finally, today I got through to a representative. I explained the nature of my issue and then was immediately told they couldnt help me and would transfer me elsewhere. After waiting on hold for over 90 minutes the phone disconnected. 

If this is the agency managing XXXX - eligible loans on the governments behalf I would recommend firing them and finding a company capable of actually helping the borrowers. Its embarassing to spend so many years in public service for the promise of XXXX only to not be able to get your loans discharged. I have made the requisite payments and what they are currently doing is nothing short of criminal.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

I opened a checking account on XX/XX/XXXX for a {$400.00} welcome bonus when direct depositing {$3000.00} into the account for 3 consecutive months. The bonus was to be deposited within 45 days of meeting the terms. I sent a message on XX/XX/XXXX asking about my bonus and was told that I had fulfilled the requirements and would receive my bonus by XX/XX/XXXX. I sent another message on XX/XX/XXXX after it was not deposited and was told to wait 14 days for a response in mail. I received a letter in the mail dated XX/XX/XXXX that said I am ineligible because I didnt satisfy these requirement : Existing customers that open an additional account are not eligible for this promotion. 

The terms of the bonus I have say one is ineligible if : A current owner of a consumer wells fargo account A wells fargo team member Received a bonus in the last 12 months I did not have a checking account open when I opened this account. I have received a bonus in the past, but it was in XX/XX/XXXX, well before the 1 year requirement.
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XX/XX/XXXX a fraud claim was resolved in my favor. 

However, US Bank did not handle the claim properly. There was multiple transactions for this hotel between XX/XX/XXXX and XX/XX/XXXX that were not added to the claim. 

I called US Bank on XX/XX/XXXX to add these transactions to the claim. Since that date, US Bank has been unable to issue provisional credit on my account because there is a debit/credit block. 

I have called every manager to no avail. Noone has been able to lift the hold on my account.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Equifax has my birth date incorrect. This has caused delays in processing my mortgage application, which has included personal time I had to take from work to provide additional paperwork to keep the mortgage process moving. 

I filed a dispute of the information online, including uploading a scan of my birth certificate!!! ( which made me uncomfortable ) pointing out the incorrect birthdate. In response to my dispute request, they simply provided me with a copy of my credit report, which still includes the incorrect birth date, and marked the dispute resolved. Nothing in the report indicated I had made a dispute, what that dispute was about, nor what the resolution was! 

I called them to ask why their resolution did not include any correction to my information, or even really any addressing of what I disputed at all, and they refused to help me with any issue unless I " verified '' an unreasonable amount of personal information with a foreign ( non United States ) call center. I " verified '' with them my address and my social security number, which is already more than enough for even an average person to verify somebody's birthdate, and is information I was already uncomfortable stating over the phone. I most emphatically will NOT verify Bank Account numbers and recent credit applications or purchases, nor will I mail in copies of enough personal information for somebody to completely steal my identity. They assured me that this was the " only way '' they could possibly verify my identity. 

I told them I didn't even want any information from them, I simply wanted them to verify my birth date via their own means and correct it. They declined to do so unless I gave them the above stated unreasonable amount of personal information. I do NOT have a contract, neither implied nor explicit, with Equifax, and I do NOT trust them with my personal information ( nobody should after 2017 ).