davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

THIS IS NOT A DUPLICATE CASE. THIS COMPLAINT INCLUDES THE POLICE REPORT FROM A LOCAL POLICE DEPARTMENT AND A XXXX  REPORT WHICH BOTH NEED TO BE SENT TO ALL FRAUDULENT ACCOUNT DATA FURNISHERS. I contacted EQUIFAX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX had no written consent from me to furnish these accounts on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish these accounts on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EQUIFAX remove these accounts from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by the consumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The accounts, addresses, inquiries, and names in question are attached to this report in addition to the FTC report and copy of 15 USC 1681c-2. They've had over 4 business days to remove these accounts that were created due to identity theft and have yet to do so placing themselves, EQUIFAX, in violation of 15 USC 1681 and pursuant to 15 USC 1681n each violation is worth {$1000.00}. Seeing that there are 46 accounts/pieces of fraudulent information on my report and in this attached ftc report , that's {$46000.00} that would be owed to me, the consumer if the accounts aren't removed before the end of this month.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IL)

I have filed several disputes in regards to this matter. I spoke with someone named XXXX today to have inaccurate information removed from my report such as names, addresses and debt associated with the address ... I HAVE NEVER RESIDED AT XXXX XXXX XXXX XXXX ... ... THERE IS NO SUCH NUMBER ... therefore the this address reporting as well as the debt associated with it is INCORRECT!!! I 've sent numerous letters and spoken with several people who insist they can NOT HELP ME .... I also submitted a letter stating the creditor DOES NOT HAVE VALID DOCUMENTUON yet the credit bureau keeps sending this back to me as verified ... how can this be when I have never lived at address associated with account .... I also have a credit report from XX/XX/XXXX which does not have this address but the accounts are there then the report from XX/XX/XXXX with this address and am told these accounts are associated with them HOW IS THIS POSSIBLE? Where and who is checking for accuracy? Because clearly this can NOT BE ACCURATE I HAVE NOT LIVED AT XXXX XXXX XXXX XXXX AND THERE IS NO SUCH APT number THIS IS INACCURATE AND ANY ACCT ASSOCIATED WITH IT IS AS WELL verify with post office THERE IS NO XXXX XXXX XXXX XXXX XXXX!! I have NEVER LIVED AT THIS NON EXISTANT PLACE
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Old child support that showing up on credit report. 

XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX XX/XX/XXXX ( 15 yrs, 2 mos )
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (PA)

I have a mortgage that is currently being held by Statebridge Company, LLC. In XXXX XXXX they stopped sending me a paper mortgage statement. I wrote a letter AND called every month requesting a statement. They did not reinstate my paper statement until XXXX XXXX at which time it said that my mortgage payment was reduced. I paid the regular payment anyway in XXXX. In XXXX I received a statement saying NO PAYMENT DUE. I called and was told that the payment was indeed lowered based on an escrow analysis and that my taxes AND insurance were still being escrowed. In XXXX XXXX I received a new analysis and my payment had skyrocketed. They informed me that my escrow was short and that they needed to recoup their money. They also informed me that they STOPPED escrowing my taxes. I never gave them permission to do this. I also do not know what happened to all the extra money I was sending prior to learning that my payment was lowered. They 've totally screwed up my account and created a payment I can no longer afford. They told me I needed to buy a property I can afford and it 's not their problem. I have nowhere to turn and can not afford the higher payment. I escrowed my taxes because I can not afford a large lump sum payment.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Link Management, LLC (MO)

Received robo-call from XXXX at XXXX XXXX  on XX/XX/21. 
Recorded message stated : Calling from capital link management. We've recently been retained in regards to an account that's been placed in our office. I need to speak with either you or your attorney immediately to issue a statement on your own behalf. If I fail to hear back from either you or your attorney by the close of business today, I will have no choice but to microsign against you as a direct refusal to comply. Please press 1 to speak directly with a representative.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Other — 
Company: Client Services, Inc. (FL)

Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX
Consumer complaint received 2021-09-09
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX, 2017 I used a transfer balance check for the amount of {$6600.00} USC. to pay out A credit card from XXXX XXXX XXXX XXXX never receive that check ... So now this company posted the whole amount in my account and dont want to credit or reimburse me that transfer Balance that I never use, perhaps I have the balance of {$6600.00} USC. In both accounts .... since XXXX XXXX, 2017 I open many cases and investigation with no results, I spoke to different supervisors to try to resolve the problems but they given me the run around.. Its been almost 5 months since this incident and still nobody has giving me any solution to this problem, its a shame that such of big company has so poorly customer service.. My credit report dropped 50 points because of this incident and all they keep saying is we sorry but no actions..
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.
Consumer complaint received 2024-02-19
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX Last 4 of SSN XXXX XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. Sincerely, XXXX XXXX
Consumer complaint received 2017-04-21
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

I had 3 unauthorized transfers from my American Express Serve Card to 3 different people, that are unknown to me & the transfers were NOT authorized. # 1  on  XXXX  for {$260.00}  # 2   XXXX  for {$780.00} & # 3 on  XXXX  for {$1000.00}. Each time these transfers occurred, I notified  American Express Serve, where they changed my password, PIN & secret question. Money was still transferred from my account following the security changes. I kept being told that I was 100 % Fraud Protected with my Card but the bank had up 10 days to resolve the dispute. I called frequently requesting updates gradually becoming more frustrated now being told they have 45 days to resolve the dispute as I was " A victim of Identity Theft '' .The card credited me back the {$780.00} only & REFUSES to speak to me about the other 2 un authorized transactions after daily calls requesting updates.   I called on  XXXX  & asked to speak with an individual in the Fraud  Dept  & was informed they DO NOT ACCEPT CALLS. I became upset and requested they send me an e-mail update. Within an hour,   American Express Serve sent me an e-mail stating they closed out the account stating " I violated the contract '' & that " I authorized the transfers ''. American Express Serve also REFUSED to permit to speak with a representative regarding this matter. I have had health issues over this, my utilities shut off, incurred late fees & now have to move next week without the deposit money.
I filed Police reports for all 3 transactions & was not encouraged by them regarding retrieving MY money. I am now out $ {$1200.00} and very frustrated!
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

Diversified Consultants h ave placed on all   XXXX   of my credit bureaus a collection that is not mine. I have called and asked for any information they  may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

XX/XX/10 Applied for the loan online and got approved Called in to check for loan amount increase per pre approval i can get higher amount Rep hang up on me and cancel out my application without authorization Called back in and they will not reinstate the app - Instead they asked me to apply with a different email address which makes no sense
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I received an overdraft fee from Bank  of American  on  XXXX  saying my account was overdrawn. I have a pdf of my online bank statements that shows based on what Ba nk of America  was showing me that I had sufficient money in my checking account ( as well as  XXXX  in my saving that I easily could have transferred over if I was in fact close to being overdrawn ). Talking with B of A they informed me that what I was seeing was my " statement balance '' as opposed to my " actual balance ''. If you look at the pdf, it states that it is showing my " actual balance '' and not my " statement balance ''. This seems like a deceptive practice that even the B of A person I spoke to admits is " happening to a lot people ''. This practice needs to be reviewed and I believe is set up to increase the amount of fees B of A can collect
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

have repeatedly requested for documentation from  XXXX   XXXX  to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Transunion. Transunion informed me that their investigation consists on them taking the word of  XXXX  that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the recovery company at their word.  XXXX   XXXX  is subject to a  True Consent order im posed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Synerprise Consultinto release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 


Best Regards,
Consumer complaint received 2017-04-17
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Sortis Financial, Inc. (CA)

By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am unable to open a checking account with any bank as fraud and identity theft has occurred. I have never opened a bank account nor checkings with any bank in the past as Ive been out of the country. Nor has my address ever been XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Florida XXXX
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (UT)

This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.