davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (GA)

This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal complaint.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation (TX)

I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-07-05
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP (GA)

1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 

2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 

3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. 

WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

When I vacated a temporary corporate apartment in XXXX XXXX, I closed an XXXX account. I still had XXXX active accounts with XXXX XXXX XXXX and they also had authorization to debit my checking acct for payments and my forwarding address, phone and email information as well. XXXX XXXX XXXX did not debit my acct for the final payment, but rather, mailed a bill to the vacated address instead of the forwarding address they had on file. As a result, I never received the bill. XXXX XXXX XXXX failed to use reasonable means to notify me of the outstanding balance. It is my understanding that they then sold the outstanding balance as a " collection account '' to Diversified Consultants ( DC ). DC failed to use reasonable means to contact me at my current address or phone as well before reporting a collection acct to the credit bureaus ( including XXXX, possibly others ). 
When XXXX notified me of the collection acct, I contacted XXXX XXXX XXXX and paid the balance immediately, on XXXX/XXXX/XXXX. The XXXX XXXX XXXX rep stated that she had located the closed acct easily because it was linked to my current acct, confirmation that they had current contact information that they failed to utilize. The rep acknowledged the error but stated that only DC could remove the collection from my credit report. 
On XXXX/XXXX/XXXX, I spoke with XXXX XXXX at DC, who stated that if XXXX XXXX XXXX authorized them to remove the acct from my credit report, they would do so. On the same date, I spoke with XXXX at XXXX XXXX XXXX ( employee # XXXX ) who said their Accounts Receivable Dept had confirmed that they would notify DC to remove the collection acct from my credit report. She stated twice that the acct would be removed ; not just show a {$0.00} balance. I then called DC back and employee XXXX XXXX assured me that they would remove the collection acct as soon as they received the notification from XXXX XXXX XXXX. 
On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX again and employee XXXX stated that she had other customers to help and would not help me as XXXX XXXX XXXX no longer had authority over the acct once it was sold to DC. I contacted DC again and employee XXXX XXXX stated that they would not remove collection accts from credit reports regardless of the circumstances. 
XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and FCRA by failing to use reasonable means to notify me of the outstanding balance and reporting the balance as a collection acct on my credit report, and refusing to correct the error once it was identified.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (CA)

I received a reimbursement check from PayMap. The envelope that contained the check was stuck between other documents. Yesterday, XX/XX/XXXX, I found the envelope and the check. However, the check says that it is to be voided after XX/XX/XXXX. I contacted the number reflected in the paperwork, XXXX and was told that they could not assist and directed me to the Consumer Financial Protection Bureau.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SKO Brenner American, Inc. (MO)

Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (WA)

XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.
Consumer complaint received 2016-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (NY)

Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file, that were used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve the manner as soon as possible. Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

There is a collection account called XXXX XXXX XXXX XXXXXXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.
Consumer complaint received 2016-07-05
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

XXXX XXXX XXXX of XXXX XXXX debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. XXXX XXXX signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the Land Court XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (GA)

I disputed an Collection on my credit report back in XXXX of 2016. Both XXXX and XXXX both removed the item from my credit report. After a month later, the collection showed back up on my credit report. It was now under a different Collection Agency name. With a slightly different amount. I contacted the Credit Agencies, and was told that I needed to dispute the amounts again. This time, the results of the dispute came back as the item belongs to me. 

I was only able to upload my letter from XXXX showing the removal of the collection. The XXXX removal is connected to my XXXX XXXX account. Which I am unable to upload.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I looked at my credit report and i learned that Portfolio Recovery Associates is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. XXXX is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (FL)

I have made multiple efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review. If the XXXX bureaus did not take any action about my complaint, I will file a lawsuit against them.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.
Consumer complaint received 2017-01-24
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.