davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

The XXXX XXXX XXXX XXXX XXXX, VA owned by XXXX XXXX previously known as XXXX XXXX XXXX  owned by now XXXX  XXXX and XXXX XXXX ), has turned over an outstanding balance of {XXXX} to a debt collector, Hunter Warfield. They are claiming that I owe the balance of {XXXX} for a carpet cleaning fee, a move out fee, and utility charges for XXXX through XX/XX/2017. When I lived at XXXX XXXX XXXX, we paid the utilities a month in arrear. I was current on my rent and utilities at the time of my move out in XX/XX/2017. The balance that I should be paying should only reflect the utilities from XXXX through XX/XX/2017. I was advised that I would receive a bill for the remaining utilities and provided my forwarding address. I never received a bill. I was also told that there is no move out fee and I would not have to pay for a carpet cleaning fee which is also included in this balance. 

Over the course of the next year, I attempted multiple times via email, phone calls, and even visiting the office to find out what my remaining balance was so that I could resolve it. Every time I would go to the office, there was new management and staff in the office and no one was familiar with my account or able to help me and I was told that they would follow up. No one ever did. Now five years later, this balance has been turned over to a collections agency with the threat of negative credit reporting. 

The management and staff for this apartment complex was constantly changing while I lived there and changed many times after I left. Additionally, the apartment was acquired by a new property management company since XXXX and XXXX had gone bankrupt. There were a number of tenants who moved out around the same time I did due to issues like apartment construction not being finished, repairs not being done, tenants being promised varying rent discounts that were not honored every time the management or staff changed. I personally went from paying {XXXX} a month to almost {XXXX} a month with in two years. This various fees such as common area fees, parking fees, etc. There were definitely some confusing and shady dealings going on. 

I attempted a dispute through the debt collector. Their response was just an itemized list of the charges and a copy of the lease. My concerns about the utility charges being for the wrong timeframe were not addressed. 

I am fully aware that there were some lingering charges for utilities that needed to be paid after my move out. Those charges should be for XXXX through XXXX of 2017 only. All other utility charges, carpet cleaning charges, and move out fees should not be included. I would like this corrected immediately and I do not want this reported on my credit. I will be emailing a copy of this to the office management of the apartment complex, the debt collector as well, and possibly HUD.
Consumer complaint received 2022-05-04
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 2022-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PA)

My wife and I had lease an apartment on XX/XX/XXXX, and did not renew the lease XXXX, the property manager was not taking care of the units with COVID19 as for safety and health concerns we decide not to renew the lease and the property manager got really upset with us as they where losing tenants by the day. In late XXXX we received a letter stating we owed more that {$2300.00} and I have many times disputed this with the area manger as with the property manager and either I will get the runarounds that they will fix it or they will call me later and never have they made any attempt to fix the billing. I had paid in advance one full year of rental insurance and submitted this to them many times and they have been charging us since XX/XX/XXXX every month, also they have refused to send me an Itemized statement of the billing for utilities charging our account more than what the city was charging. Theres also 2 charges on the account that I have bank statements that where paid off and where still getting charged for them. They also charged XXXX rent when we moved out at the end of XXXX as we did not renew our lease. They are asking for fraudulent charges and I have submitted this to them many times.
Consumer complaint received 2022-01-17
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. (IN)

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, XXXX, and TransUnion multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX XXXX and comments
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (SC)

I applied for a car loan XX/XX/XXXX and was informed Chase Mortgage had reported 60+ days past due on my credit. I immediately called Chase as this is simply not true. Our payment is auto-drafted and we have never been late for a payment. We had a change in payment for the month of XX/XX/XXXX. We have our payment drafted from a company who makes the payment, as well as, an extra payment per month. {$880.00} was our regular payment and the incorrect payment about was submitted for XXXX due to the fact that the company could not process my request in time to reflect the change in payment amount. Therefore, a partial payment was made and the mortgage company would not accept it as it was not a full payment. In efforts to correct this, I called in to take care of the difference as soon as I got my statement and was told my loan was being transferred to XXXX and to send the difference in payment to them because they would be forwarding those funds over. I did call XX/XX/XXXX but I had just received the bill that showed XXXX 's payment wasn't paid. Now, two years later, without being told my credit was reported for the incident, here we are. Chase refuses to help because they say " technically '' the payment wasn't made and we were passed due even though money was received in XXXX.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (SC)

In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? 
This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MO)

My apartment Was destroyed by a fire I was then notified To vacate the premises and that my lease would be terminated I was given 15 days to evacuate property. I left. I never gave forwarding address because I was never informed of liability. The Fire Was deemed as accidental with no known cause of fire.
Consumer complaint received 2024-10-14
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. (MD)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-04-08
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (TX)

This is a formal complaint against XXXX XXXX located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am filing a complaint about Citibank AAdvantage credit card policies. On or about XX/XX/XXXX I began having problems where my Citibank AAdvantage credit card was not being accepted at various merchants. I thought it was a defective chip issue. On XX/XX/XXXX I called Citibank AAdvantage to determine what the issue was. During the call with the automated telephonic system, I was informed that I had exceeded my credit limit. No money was due, the account was not in arrears, or a late payment due. In fact, I still had credit available of approximately {$15000.00}. 

On XX/XX/XXXX I logged on to my Citibank AAdvantage account and used the online chat option to discuss the situation with an online agent ( XXXX XXXX. Attached is the transcript of that interaction, which started at XXXX. 

Rather interesting is that there seems to be gaps in the transcript.. 

Summary of Conversation ( paraphrased ) : 1. Me : I have exceeded my credit limit? The online balance is still in the thousands of dollars. 
2. Me : A payment of {$17000.00} was made on XX/XX/XXXX. 
3. Citibank : That payment is currently being held in order to verify that it will clear your bank. 
4. Me : It cleared the bank on XX/XX/XXXX, its now XX/XX/XXXX. 
5. Citibank : Your account is on hold until XX/XX/XXXX, to make sure the payment will clear the bank. 
6. Me : Why does it take so long to process cleared funds? Does Citibank pay interest to me for use of the funds? 

I did not use the Citibank AAdvantage credit card for my international travels between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with resurgent capital services, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NM)

One Main is reporting late notations for XX/XX/21, XX/XX/21, XX/XX/21 and I ask that they please remove them. Due to the unforseen events with Covid cases spiking up again, my job hasn't been offering employees their full hours and it has really impacted me. I struggled for a little to get my budget where it needs to be and had to go a few months to just pay necessities. I ask that One Main please make a goodwill exception and remove the late notations this XXXX time.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : US DEPT ED XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-South Adjustment Co., Inc. (LA)

Mid South Adjustments in XXXX XXXX AR put a collection account on my credit report. The account was paid in full to XXXX XXXX before MSA put it on my credit report. I want it removed and MSA investigated for putting the accounts they receive from clients on credit reports without first making contact with the person. They do this all the time. They put the account on the persons credit report as soon as they receive it. They must be stopped, this is not how it is supposed to work.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (GA)

Sent an inquiry on XX/XX/XXXX to XXXX XXXX  almost at the 30 day mark, they emailed me back with a ready-made script with no investigation result or anything. 

They reported a late payment XXXX of XXXX to XXXX, XXXX, XXXX. 
At this time I was in a forbearance program and advised them I won't be needing it for the time they granted me. I was told a late payment wouldn't be reported.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NC)

On XX/XX/2020 I sent a request to Kay Jewelers/Sterling Jewelers disputing the credit report information requesting that they send me information regarding my debt per the Code of Federal Regulations 16 CFR Part 660 " Responsibility of Furnishers. '' After not hearing from them after their allotted 30 days, I sent them another letter informing them of their violation for not responding and I requesting that they remove the negative credit item in question. However, rather than them responding appropriately to my requesting by supplying me with the requested items outlined below : 1. The original account name and number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money and copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 
4. What was the original date of my first delinquency for this account?

5. Copy of the originally signed contract Insead they sent me a FRAUDULENT back-dated as a stall tactic. I have attached a copy of their letter that was back-dated to XX/XX/2020 but the envelope was postmarked XX/XX/2020 that I received today XX/XX/2020 that is attached to this complaint.