davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 

Each fraudulent act has been reported to the BBB as a complaint against all rogue actors as well
Consumer complaint received 2018-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (ID)

{$570.00} is the amount that XXXX XXXX XXXX says I owe. No actions on their end was taken and I have not received anything regarding this debt. The debt was placed on my credit unfairly on XX/XX/2016 as I never opened up a bank account with XXXX XXXX XXXX.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are 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. 
XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX ( Original XXXX XXXX  ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-26
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. (NJ)

Someone opened up a XXXX  XXXXXXXX XXXX XXXX and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XXXX XXXX, I called Experian 's automated phone line ( XXXX ) to put a FREE security freeze on my account. I went through all the steps and at the end of the call was told that my request was successful, I was given a Confirmation Number, and the automated message told me that within 10 business days I would receive a PIN number in the mail. ( I  am not providing the Confirmation Number here as you say not to provide personal information but am happy to give it to you if it helps resolve this problem. ) It is now XXXX XXXX and I have never received the PIN number. I have received no mail from Experian. I have tried calling the 888 number above, as well as XXXX, XXXX, and XXXX, to find out about the missing PIN number. All of these phone numbers are for automated lines and none of them ever allow me to talk to someone. None of them offer a choice that reflects my problem. If I click on security freeze it's about starting or ending one. I have tried multiple times and gotten nowhere. I have been unable to find an Experian phone number that actually allows me to talk to someone. I am disgusted with Experian. And both of my parents and several friends have reported the same problem ; no follow-up letter from Experian with a PIN number and no ability to reach the company to resolve this. Please help. ( Experian should learn from XXXX and XXXX, both of which have far superior systems to establish a free security freeze. They both worked without any problems. )
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc. (MA)

Recieved multiple calls within 7 days and mail correspondence. Calls are as follows : XX/XX/XXXX - XXXX incoming call no response when I answered. Called right back and same debt collection company. Spoke with a supervisor advising I already spoke to someone today and Im already getting another call an hour later? 

XX/XX/XXXX - XXXX I reached out advising of the multiple calls and confirmed my name and info. 

XX/XX/XXXX - XXXX incoming call and hung up. 

XX/XX/XXXX - XXXX incoming call and hung up XX/XX/XXXX - XXXX called back and was same company. 

XX/XX/XXXX - XXXX incoming call and hung up. 
XX/XX/XXXX - XXXX called back and was same company.
Consumer complaint received 2022-07-26
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. (HI)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX SO XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor 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 an account without my written instructions.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (PA)

I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). 

I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. 

Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

I went to the hospital and provided my insurance information. However, by the looks of it, there are bills on my credit that I do not owe. I contacted the credit agency XXXX and requested proof that the information they had was incorrect. They stated the only thing they had was a itemization of services. I explained to them by law, they are required to provide me with something of me agreeing to the amount that was left because the hospital never advised me that I had a remaining balance on my credit report. They just continued to provide me with they are correct. I spoken to several agent with XXXX and it only gets worse with every agent.
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WV)

I transferred funds to my Amex Serve card while traveling to XXXX XXXX, VA on or about XX/XX/XXXX. About XX/XX/XXXX, I stopped in XXXX on XXXX XXXX and made a small purchase of {$4.00} with my Serve card. I did not use my card again and do not remember seeing it again after that. The following Monday, I received messages from Amex stating  that I had possible fraudulent charges on my account. I checked my account and noticed that there were several charges made between XXXX and XXXX at multiple merchant locations in XXXX, Florida. I contacted Amex immediately to report that I could not find my card and I did not make any of those charges on my account ( on / ) and they told me that they blocked the card and would open the dispute. I got disconnected several times, so I had to call back many times to make sure the card was blocked and I was being sent a new one. On XXXX, I had not yet received my new card and had not received any communication regarding the fraudulent charges, so I called back only to find out that they had not even started the dispute and my new card had not yet been mailed. I opened the dispute, received the email request to complete the Declaration of Fraud, and sent it back immediately. I called multiple times up to and including XX/XX/XXXX to get the status of the dispute because I had not been issued a provisional credit as promised. The representatives are not knowledgeable and some are even rude when I call to get answers. When I ask to speak to a manager, they argue with me and tell me the manager will tell me the same thing or promise a call back within 4 hours, which never comes. I received an email last night telling me that I missed a charge on the form and needed to resend it. Before I could even send it again, they had CLOSED the dispute and I received an email stating that there was no error and my transactions were valid. I called again and spoke with two additional representatives who then told me that they could not reopen the dispute and I had to start all over again and there is NO way to expedite it even though they informed me of the fraud on XXXX. In the meantime, I am without my money. I do not feel safe using that card and will cancel my direct deposit although I found the card to be a great option to separate expenses. I am so disappointed that the customer service reps are hundreds of thousands of miles away and treat customers the way they do, with no options to really help customers or escalate pressing issues. I am disappointed in the Amex brand and I feel that my money has been stolen from me. I have been searching for a way to reach the corporate office to report these issues, but it is very difficult to even get anyone to listen. In the meantime, I have been robbed of the very protection my card promises to me and a thief has gone free with my hard-earned money.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I just recently submitted a dispute to Experian Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. XXXX XXXX XXXX ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXXof XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to XXXX XXXX XXXX, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. XXXX XXXX XXXX   and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
Consumer complaint received 2022-07-26
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. (HI)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I applied for and closed a HELOC with Huntington Bank. Huntington opened up a checking account with the origination of the loan. I was asked before we closed the loan " would I want proceeds of the HELOC deposited into the newly established checking account? '' I said yes, in the amount of {$200000.00}. Unfortunately the loan processor made an error and issued a cashier 's check instead of funding the account electronically. On Wednesday XX/XX/18, I deposited the cashier 's check ( drawn off of Huntington ) into my new Huntington DDA. On Thursday, I attempted a wire which was rejected because there was a stop payment on the cashier 's check. As a result the my DDA was frozen for suspicious activity and has remained frozen for a week with no end in sight. 

In addition, I was led to believe the only freeze was regarding the online account access which I had to inquire a bit more thoroughly about only to find out the account is actually frozen. 

By the Bank 's own admission of error ( documented in emails ), I am no longer able access any of the funds in my account.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NC)

On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is not mine.