davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I stayed in a XXXX in XXXX XXXX, FL XXXX XXXX XXXX. During the booking process, the host required a {$3000.00} refundable deposit, for any damages. After the stay ended, on XX/XX/XXXX, I received an email from the host stating we had " burned '' the coffee table with a value of {$1700.00}, and a pillow case cover with a value of {$35.00}, so I only received {$1100.00} back from the deposit. The host emailed me pictures of the table and it appeared to be marks that could be easily cleaned, nor proof that they were done by me. I emailed the host back, telling her we did not burn the coffee and ask what she did to clean it. I heard nothing back from the host. I immediately opened a dispute with XXXX, and disputed this amount on my credit card with Chase. I didn't hear anything for months. On XX/XX/2023 Chase notified me that the charge was valid, that the host stated I damaged the property. on XX/XX/XXXX, I called XXXX customer service regarding my case. They stated it was closed and the host had uploaded a receipt of the new pillow case, however, did not upload a receipt of the new coffee table, they only uploaded the original receipt, this call cost an additional {$51.00}. XXXX was going to contact the host, and get a copy of the receipt for the new coffee table. I emailed the host and stated we wanted the old coffee table if she got a new one. On XX/XX/XXXX, XXXX called stating the host emailed a receipt of the new coffee table, it was then emailed to me. The receipt shows the new coffee table was not bought until XXXX and the total cost was {$1600.00}. The XXXX customer service agent agreed that she did not need to buy a new coffee table, and also said the host had contacted them saying I was harassing her, he also agreed I was not harassing her. I informed him that we felt there are no other options except for small claims court, he said he will try to get in contact with the host and have us refunded. On XX/XX/XXXX, the XXXX customer service agent called me, informing me that he could not get in contact with the host and the case would be closed. I emailed the host directly, and informed her if we could not come to a resolution, we would have no choice but to go to small claims court. I feel that I have been put in an unfair position as both XXXX and Chase have closed the case with no assistance in receiving a refund. As stated, XXXX seems to be in agreement with me however, will not be taking any action to help.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OH)

Freedom mortgage took over our loan without our knowledge. It caused for lots of confusion in where payments were going. We had no idea and were paying both mortgage companies for over XXXX  months. During the transition our home burned down and we were displaced and not regularly receiving mail so I called in multiple times. We were sending payments in to freedom mortgage but it wasnt going to the correct department. We had no idea. They have provided an incorrect address twice in XXXX  years. They also adjusted our mortgage without our knowledge making the auto pay not be enough to cover. They have never been paid late, as all of our payments have been on auto draft from my bank. Ive been trying to resolve this for a year and Ive been sent to several escalation departments or supervisors but no action taken. Ive provided historic payments for 18 months showing money being mailed on the first of each month. When reviewing with customer service they acknowledge that the payments did come in but were not processed timely due to them being in the wrong desk of freedom mortgage. The supervisor corrected the address with my bank for future payment but refused to modify the adverse reporting. He also share that there was some type of late charge that had been carried over from a previous mortgage when they took my loan. Ive never been told of that but its whats been reported as over 90 days late and transfers month to month. Im in dispute about the {$440.00} late fee and refused to pay it with clear explanation to validate it. That could not be provided. We have over XXXX in equity in our home and recently experienced life altering circumstances forcing us to request equity. Because the the adverse reporting, we are unable to access our equity and when trying to get away from Freedom mortgage, no one will take us due to the late payment reported. The supervisor I mentioned advised me to report this to the credit bureaus and even gave their address and process for adverse reporting. He said he was looking in the notes and could clearly see the problems but was not able to modify on his end but the investigation would show it when they called and it should be corrected. XXXX XXXX reached out but said that I need to get freedom to change it so thus nothing is being done and my family remains in dire need to access our equity. Please help us!!!
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I received a collection letter from Portfolio Recovery Associates LLC back in XXXX stating that I owe {$2700.00} to XXXXXXXX XXXX XXXX XXXXXXXX. I requested validation of this debt via certified mail XXXX XXXX and never received any correspondence.
Consumer complaint received 2024-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OH)

Prior to the XXXX XXXX, I was current on all my debt. Due to the pandemic I began to default on my revolving debt and auto loan. Pursuant to the CARES Act, most of my creditors negotiated a settlement payment or provided a forbearance. CitiBank , N.A . choose to charge-off my account after XX/XX/year> and during the pandemic. Several years later, they sold the charged-off debt to XXXX XXXX XXXX XXXX 

In violation of Sec. IV subsection XXXX : CitiBank denied my request for relief pursuant to Sec. XXXX. 
In violation of Sec. IV subsection XXXX : XXXX XXXX XXXX is trying to collect on a debt that was charged-off during the pandemic after CitiBank refused to provide relief. The collection attempt and its reporting to the credit bureaus is in violation of the CARES Act. 

Additionally, XXXX XXXX XXXX has failed to provide evidence the debt belongs to me.
Consumer complaint received 2024-10-21
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. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear XXXX XXXX XXXX am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my XXXX XXXX. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are either closed, charged off, or have no balance due, and they should no longer impact my XXXX XXXX or report any updates without my express consent.

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

Maryland XXXX XXXX XXXX ( MD XXXX. XXXX XXXX XXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. XXXX closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Consumer complaint received 2024-10-24
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Hello XXXX, your account may qualify for savings up to 25 %! Please contact Genesis at ( XXXX ) XXXX or visit www.genesiscred.com regarding your balance with XXXX ( XXXX ). This communication is an attempt to collect a debt by a debt collector. To opt out text STOP./ I have stated stop 5 times after trying to have them give proof and they have not.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$1200.00} / XX/XX/2022 XXXX  XXXX XXXX/ {$760.00} / XX/XX/2022 XXXX XXXX  XXXX/ {$2100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX / {$3700.00} / XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX / {$3500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Consumer complaint received 2022-07-14
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX. XXXX partial account number XXXX, XXXX Department of Social Services account number XXXX, have all violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Consumer complaint received 2022-07-14
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. (MI)

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXXXXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX  for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

I have the power of attorney for my dad and I am on his banking accounts and pay his bills. He received a bill for his property taxes, which I paid on XX/XX/year> thinking I was using his credit card. I received a charge on my XXXX XXXX XXXX XXXX for {$3800.00}. ( credit card ending in XXXX ) When I called the card company to ask what this charge was for, they said it was for utilities to XXXX XXXX. When I told them I do not pay my utilities to XXXX XXXX they created a dispute and provided me with a credit, closed the account and issued me a new card. On XX/XX/XXXX my Dad received a noticed from the XXXX XXXX XXXX 's office stating his payment was denied because of a credit card dispute. When we saw the amount we realized this was the amount on my credit card. It wasn't for utilities like the credit card company told me, but it was for property taxes. I called XXXX XXXX and told them what had happened and they said they were going to charge my new card for this amount. I told them we had already paid the treasurer 's office with my dad 's card and they said they had to charge my new card ( ending in XXXX ) anyway and I would have to take it up with the company who receives double payment. I told them to cancel my new card then because they do not have my permission to send this payment. In XXXX I got my statement and they charged me anyway. I have contacted the XXXX XXXX XXXX 's department and they never received this second payment. They checked with their billing company " XXXX '' and they said they returned the payment to the credit card company. I contacted the credit card company and they said they never received it. Not only I have I incurred a substantial amount in fees, but now XXXX XXXX is trying to collect {$3800.00} from me when there is no agency that has this money. This is the timeline received from the Treasurer 's Office : We have of the payments and the debit to the parcel : The original payment was made : XX/XX/year> {$3800.00} ( includes {$91.00} fee ) XX/XX/year> -Dispute received by XXXX XX/XX/year> or XX/XX/year> funds returned to issuing bank The second payment was made : XX/XX/year> {$4000.00} ( includes {$94.00} fee ) This is XXXX 's response : The customer 's bank has the funds so the customer will need to make arrangements with their bank to get their funds returned to them.