davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. ()

Hello! So long time ago I registered at Equifax, and I even forgot about that.That id why, I haven't informed them about my address changed. When my XXXX XXXX  app started new service - showing credit score with three companies, I was shocked how low credit score I had with XXXX. I went on their website, I checked my report- it was stated I had a debt collection with XXXX XXXX XXXX and XXXX XXXX which never happened. I must notice, that it was on my old address, wich I wasn't living over half a year already. I rase a dispute with XXXX, but they said, information is correct. I contacted Anglian water and XXXX XXXX XXXX XXXX they both confirmed, they NEVER had any debt collection on MY name, on any adress. XXXX XXXX even send me a letter on my request, confirming that. I gave all that to XXXX - again they are stating that information is correct. I believe, this company is very unprofessional, and they requested information for the Address, without even checking the name, and they aren't able even to fix in their system, that I wasn't living there already over a year. So they are ruining my credit score and financial reputation and are helpless in this case. I must also say, I have a good credit score with other companies and my bank - this definitely proves, that XXXX is in wrong but they refuse to fix it. I'm already very stressed about that, and I spent to much time already trying to fix it. Help, please! Thank you!
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I paid off the final balance of the CHASE credit card. The statement only had a balance. Next billing cycle charged additional interest. The statement did not say how the interest was calculated. I called the company and they explained it was interest on the balance prior to the day the full payoff amount processed. I was told I was being charged interest daily on the balance. Before the payoff. I asked them why when I had paid off the amount it wasn't calculated as my account was closed. They did not have a response. Then I asked why on the new statement it did not disclose how that amount was calculated. They did not have an answer. It's absolutely predatory for them to continue to charge without a final payoff amount explanation. So, if I did not know about the final interest payment. I would continue to be charged on the interest. A never ending hook and loop of interest. I asked them to disclose the way the interest was charged in writing. Evidently they do not need to disclose that. It should calculate days the past balance was carried before the payoff, and the daily interest it was carrying on a daily basis. I have to do the math myself to make sure I was not overcharged. HOW DID WE GET HERE?
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.
Consumer complaint received 2023-12-09
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. (FL)

Greetings, On XX/XX/XXXX, Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( Experian, XXXX, and XXXX ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, XXXX and Experian does it time and time again! The XXXX major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. XXXX let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and XXXX hurt! In XXXX, it paid {$3.00} XXXX in restitution to harmed consumers, along with a {$2.00} XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, XXXX settled with the Federal Trade Commission, the CFPB and states for up to {$700.00} XXXX, to resolve allegations that it shared the information of XXXX XXXX consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the XXXX of XXXX, where there are several civil penalties that have occurred against myself and estate. Please see my XXXX letter attached.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I Received More Correspondence From PRESSLER, FELT & WARSHAW LLP On XXXX XXXX Saying That I XXXX XXXX Did Not Pay My Full Settlement On A Debt That They Acquired From XXXX XXXX XXXX, XXXX XXXX We Agreed On 3 Month Payment Arrangement Of XXXX Dollars. In Which I Provided 3 Payments Of That Amount. For XXXX, XXXX And XXXX. Now They Are Trying To Pursue Legal Action Against Me Again Even Though I Paid The Full Amount. I Have Copies Of The Bank Statements But Honestly Im Afraid That Isn't Going To Be Enough They Also Have Not Removed The Debt From My Credit Report And Won't.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

Called to inquire about my balance. During that process, I was told my payments will increase by XXXX XXXX next month. I was also informed that they are providing forced place insurance because my insurance was cancelled. FNB did not pay my homeowners insurance that was due XXXX  and they are subsequently charging me triple the amount for forced place insurance. They are self insured so the premium is going to FNB. And this only insured the loan but does not provide me with insurance for the structure and contents of my home. FNB states that they never received and invoice from my homeowners insurance company. The insurance company states that an attempt was made by FNB to pay the invoice XX/XX/XXXX, however insurance company declined because payment was more than 50 days late. I just became aware of the is on XXXX FNB states that I received this information, however, I do not recall receiving any of this information. There is also a discrepancy of when my mortgage payments are being received. Seems to be just after the date that then causes a late charge to be assessed.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
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 (AZ)

The landlord, XXXX XXXX XXXXXXXX XXXX, committed multiple violations of XXXX  tenant law under XXXX XXXX ( A ), XXXX ( D ) and XXXX ( C ) including breaches of their duty to mitigate damages and to provide an itemized list of damages within 30 days of a written request. Under the law, not only is XXXX not entitled to anything, but as the tenant I am entitled to twice the wrongfully withheld amount. 

I was present at the move out inspection in which I was explicitly told there were NO damages. Then, after move out, they have attempted to collect almost {$1000.00} in unspecified damages with photos of the apartment prior to being cleaned. This is a blatant violation of the law. It has been many months and there is still no itemized list. 

The wrongful charges were formally disputed in writing with XXXX on XX/XX/XXXX and confirmation of receipt was received by email that same day. I reached out again, in writing, on XX/XX/XXXX which was confirmed received on XX/XX/XXXX. On XX/XX/XXXX I received a message that the property had been contacted but no response had been received from them, already more than 30 days after my request for an itemized list of alleged damages. I reached out again on XX/XX/XXXX which was confirmed as received on XX/XX/XXXX. I was told a full response would be sent in XXXX business days but it wasnt. I did not hear from them until hearing from a collections company instead, Genesis, on XX/XX/XXXX. 

I sent a dispute of the debt to Genesis as well on XX/XX/XXXX which was confirmed as received that same day. I was contacted again by Genesis on XX/XX/XXXX with the same insufficient documents that I had seen in the Crestone portal. I sent them a second dispute, similar to the first, with the relevant law and decided to report them for their attempts to collect an illegal and unowed debt. Debt collectors can not place a negative record on a persons credit without justification or attempt to collect unjustified debts formally disputed with the source. This should never have been forwarded to a debt collector in the first place and is an urgent issue that must be resolved appropriately.
Consumer complaint received 2023-12-11
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. (TX)

I noticed incorrect payment history listed on my credit reports for XXXX, Experian, and XXXX for XXXX XXXX. This account is listed as XXXX  days late in XX/XX/XXXX and XXXX  days late in both XXXX and XX/XX/XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have two creditors saying I have student loans with them. One is XXXX who said they sold to ED Advantage Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT  Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Consumer complaint received 2023-12-11
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. (FL)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, EQUIFAX, AND XXXX AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/2023 AND THEY RECEIVED IT ON XX/XX/2023. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-04
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I opened a checking account at Citibank. I updated the account on my vendor sites ( rent, utilities, etc. ) but kept getting notifications that my payment wasn't going through. After a few phone calls with Citibank, I realized that they had given me the wrong routing number. Unfortunately, that didn't help the fact that I had accrued several bounced check and late fees not to mention the many hours I spent on the phone trying to remove the fees when possible and talking to the bank to try and figure out what was going on. 

I also had trouble receiving direct deposits which is to say no direct deposits were getting into my account. After hours on the phone trying to figure out why my deposits weren't going through, ( talking to both payees and the bank ) no one was able to figure out why the deposits were not going through, so I decided to switch to a XXXX account. Everything was fine once I switched. 

However, I am still dealing with late and bounced check fees from my vendor sites. Citibank has told me they would open disputes on vendors that were charging me these fees, but that means I will have to keep my account open even longer causing even more confusion with my vendor sites. I really want to close the account and move on. 

The way I see it, Citibank owes me hundreds of dollars to cover my vendor fees, all the time I spend on the phone, and all the stress they have caused. Please help.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have filed 6 disputes over 3 years with equifax to have a charge off account show as closed on my credit report. No matter how many times I show the account is closed, it remains open with a XXXX balance.
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP (IN)

North Shore Agency or SRAXXXX, is in direct violation of FDPCA by attempting to contact a minor directly to recover a fraudulent debt claim. NSA provides an inoperable phone number in their " form letter '' that is designed to waste approximately 7 minutes of the consumers time before automatically hanging up on the caller, this makes it impossible to contact them directly ( multiple reviews on XXXX website can confirm consistent issues with company communication ). A XXXX nubmer for their associates SRAXXXX will get you in contact with the NSA director of opperations, XXXX. XXXX is a big fan of hanging up on people with legitimate concerns, so be prepared for that. XXXX claimed I didnt identify myself, then claimed I falsly identified myself, then refused to speak with me on the account they are attempting to collect from my XXXX yr old son, because they were to ignorant to spell my sons name fully or correctly. XXXX took it upon herself to change the address, refuse to verify the debt, refuse to cancel the debt, and refused to provide the name, address, and contact info for the original creditor... all further violations of FDPCA. XXXX XXXX actions orginate from illegal scams ( debt collecting from minors ), and perpetuate the problem through her dishonesty and shady practices. Whats worse is because of her actions there is some sort of claim for collections against my son ( or a horrible mispeleed variant of his name ) " out there '', and I have no way to settle, verify, or cancel it.
Consumer complaint received 2023-08-21
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. (PA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.