davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST REPUBLIC BANK (CA)

I have my mortgage with first republic bank. 
But the bank is charging far more interest silently in the statement than the mortgage agreement! 
The mortgage started XXXX this year. The interest rate on the agreement was 2.25 %. But in the statement they are charging {$250.00} more every month! They admit that they are doing this wrong ( see their apology letter from their director attached ). But they are not able to fix it ( it has been nearly 4 months ), and more than one of the statement were wrong. They are still applying fixes to the XXXX payment, which means the XXXX auto payment is still incorrect. 
My questions are 1. Amount Why is the amount shown wrong in These months? 
Why did the bank claim it is only a frontend issue? 
But it actually impacted several payments. Why statement shows rate changes? Did the bank try to change rate silently to profit? 
2. Statement The bank must Correct statements for XXXX and XXXX and XXXX and XX/XX/XXXX. Misc Am i only one affected? If so, why? If not, it must be sth serious. 
4. tax Is the bank sending false info to IRS by correcting the payment in the wrong way ( special payment )? ( This is what the bank fixed in XXXX ) 5. Amortization What will it be like if no one notice it? Most people just sell or refinance after several years, does XXXX do this intentionally make profit silently? 
6. The real reason why it happen Vague reason not acceptable. Must indicate what is responsible
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I just discovered a lawsuit from XXXX and XXXX from 2010 because they are trying to garnish my wages. I believe I am a victim of a false lawsuit by them. The only proof in the case jacket is a piece of plain paper with my name on it, a 16 digit number, and an amount of money. They also uploaded the generic terms that everyone gets when they get a credit card. I have a remote hearing for the garnishment on Friday XX/XX/XXXX since I am fighting it but Im not sure what to do. When I originally got the garnishment notice and discovered the judgement in XXXX I called and disputed it with XXXX, XXXX and XXXX and the creditor that supposedly holds the debt now but of course they did nothing.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The problem is with Capital One Bank not taking the loan payment. Neither from access directly to my checking by account with routing number or through a debit card After making several attempt 's to make a payment over the phone on my auto loan '' I have no internet access '', the amount is not deducted from my account. Now I'm told I am behind and the problem is not from me but the failure to take the amount I set to be deducted from my checking account. 
Every time now when I call and request an American rep they hang up on me. 
Each time my phone has been on the speaker and another person heard everything. I have a witness.
Consumer complaint received 2023-12-23
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. (IN)

I applied for an auto loan and did not give permission or consent To XXXX  OF THESE PLACES!!! 

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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

They refuse to correct, and or remove erroneous reporting accounts on my consumer report, despite my several attempts to get them to do so. An account on my report is actually reporting twice, and yet has different payment histories, and activity dates. The do not report a closing date for one account, and yet have the the second duplicate account as C/O this year which should have been resolved in XXXX. I have disputed with them by certified XXXX  mail, on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, and XX/XX/XXXX ; and each time, they outright ignore my disputes, or send back the generic, " This account has been verified '' message. When I ask for their " method of verification '' as detailed in FCRA section 611, they still will not forward me the information of specifically with whom they spoke and such, or communicated with to verify these erroneous accounts, so that I can personally follow up on their reporting. Ironically, this erroneously reporting account was just removed from my XXXX XXXX report because if the same erroneous issues, and will be removed from my XXXX report soon. I have also sent this clear evidence of this incongruent and erroneous reporting to Equifax, and they still refuse to conduct a proper investigation, and or remove this account. This account is costing me money, from higher interest rates, as well as outright denials for certain business opportunities, unjustly
Consumer complaint received 2022-08-22
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. (TN)

In accordance with the fair credit reporting act XXXX Acct # 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 any purpose.
Consumer complaint received 2022-12-03
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

To Whom it May Concern, I am writing to you today to dispute US {$1900.00} charged by the company COLUMBIA DEBT RECOVERY. Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at XXXX since XX/XX/XXXX. Those companies did not declare under which condition they are charging me US {$1900.00}. 

In XX/XX/XXXX, I signed a XXXX lease contract with The XXXX until XX/XX/XXXX. I moved out of that unit on XX/XX/XXXX, because the landlord ( The XXXX ) refused to fix the apartment as we have agreed in XX/XX/XXXX, later in XX/XX/XXXX and again in XX/XX/XXXX. The initial issue with The XXXX started when the office wanted to force me to sign a second lease, just two months after I occupied the unit. On several occasions I disregarded the offer, but this did not stop them. In fact, they sent me emails about the potential consequences of not accepting this offer before XX/XX/XXXX. The last step they took was offering to paint the walls, improve the bathroom condition and fix some appliances in my apartment if I agreed to sign the second lease contract, a proposal that they never complied with and led me to act. In XX/XX/XXXX, I communicated my decision of not staying in the apartment for another year. After that, The XXXX tried to force me to sublease the apartment, in retaliation for trying to get a signed copy of my lease termination letter in which I explained the entire situation. The last time I contacted the property manager, XXXX XXXX XXXX, she refused to acknowledge my rights and said that the company will impose XXXX months of rent if I opted to move-out early. Obviously, I took my belongings out of that place because I did not want to be intimidated again. 

In general, I paid an entire year of rent ( {$8300.00} ), as well as a full year of insurance coverage ( US {$160.00} ) before I moved to another residence. However, neither COLUMBIA DEBT RECOVERY nor THE XXXX have contacted me in the current year. They just have published the debt as I was their client, which is not true, and fail to reflect any contract that I have signed in XXXX. All that I have experienced in The XXXX not just damaged my credit score, but has put me under a huge amount of stress. As an international student that moved to XXXX, Tennessee after the lockdown, I honestly hope that nobody experiences this type of retaliation just because they need a place to live.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-09-18
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. (NV)

This credit reporting agency is reporting inaccurate information. I am a victim of Identity theft and have reported this to the bureaus sent in the documentation and nothing has happened to resolve this matter. I have attached the identity theft report with misinformation and accounts opened fraudulently.

According to the FCRA, Information shall not be furnished without my written consent. No one has my written consent to furnish inaccuracies that result in negative items being added to my report.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-10-30
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Filed a complaint against Clarity on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly Experian. Until then, this issue has not been resolved. Nor has Clarity provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and FICO score, which as of a couple of days ago was 755. Because of this erroneous reporting, my FICO score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with XXXX XXXX XXXX.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I would like to file a complaint against Citizens Bank. I had a XXXX  balance with them and requested that they close my account in late XXXX of XXXX. They did not close the account and kept charging me monthly maintenence fees, unknowningly sending my account to collections many months after the fact. I have attempted to call them to resolve the issue and they have shown an unwillingness to look into my prior phone calls, where I requested the account to be closed and was told that the account would be closed. To be clear, the monthly maintenence fees to keep the account open were the only debits on the account. 

My ability to open other accounts is being negatively impacted by a bank error that Citizens Bank refuses to rectify.
Consumer complaint received 2022-06-21
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. (CO)

On XX/XX/XXXX I received a letter in response to an ent credit card application. The letter stated that one of the three credit reporting bureaus had a freeze on my information that would have to be lifted for my application to be processed. I was able to reach XXXX and XXXX both of whom verified there was no freeze. Experian, however, makes it impossible to speak to a human and the only option on their automated line puts a freeze on your account. I tried for days, hours and hours at a time, calling every phone number I could find. I only was able to speak to a human once, who told me there was no freeze and hung up on me. In the meantime I had applied for a second credit card and a refinance loan. Both of those said specifically that there was a credit freeze only on my Experian information. My mortgage lender, XXXX at XXXX XXXX  tried to contact Experian on my behalf and was also unable to speak to a human. This issue stands to cost me thousands as the interest rates continue to rise. I also tried to resolve this issue on their website but got a message that my identity could not be verified and to call Experian. Once again I could not speak to a human and there was no option to handle this on the automated line.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (TX)

I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) 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. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-06-05
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. (LA)

in accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

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
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX They ran hard inquiries on my credit. I do not know who this company is. I have also been calling them and unable to reach anyone at their company. I believe it is a fake company and would like the inquiries investigated and removed from my report.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.