davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (FL)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

Moved out of our Apartment complex at the end of lease after purchasing home on XX/XX/XXXX. We cleaned apartment and turned over keys this day on XX/XX/XXXX as the last day on the lease. Email was sent to us on XX/XX/XXXX, that we owe {$660.00} after all the deposit is used and we had 10 days to pay off our debt and collectors will be contacting us. I disagreed with the charges for new carpet as it was listed and stain to the paint. We lived there from XX/XX/XXXX through XX/XX/XXXX. Also prior that apartment had been rented out to others 6 months before for a total of XXXX years of life on the carpet. They wanted to charge us XXXX for the carpet and XXXX for the paint. I found articles that the carpet should be prorated and I should only be charged for the expected life of the carpet left. I found articles that state stated I should pay the remaining cost of the life which was set at 5 years. I should only be charged 1.5 years remaining life only and we settled for paying less. A new statement was sent to us XX/XX/XXXX for XXXX and we agreed to pay. Check was delivered on XX/XX/XXXX and cashed by the apartment complex. On XX/XX/XXXX found out a debt collector was after the original statement amount of {$660.00}. Reported to the apartment complex and mentioned this was an accounting error to us. Contacted debt collector and told them what had happened and they wanted us to submit a claim and they already reported us to creditors and these errors happen. We since have lost points on credit report from XXXX to XXXX and we feel this was a mistake of no fault of our own. Waiting on the collection agency to address this now. 

Thank you for contacting Hunter Warfield regarding account number XXXX Hunter Warfield has received the documentation you have sent and needs additional time to investigate. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 

If you have any questions, please feel free to contact our office at XXXX. Hours of operation M-F XXXXXXXX XXXX. We look forward to helping you resolve this matter. 


Support Services Department XXXX XXXX XXXX XXXX | XXXX, FL XXXX | Tel. XXXX XXXX | XXXX | Fax. XXXX
Consumer complaint received 2016-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.
Consumer complaint received 2015-06-25
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (MD)

Received a call from XXXX XXXX. At first he said he was from XXXX solutions and then he said he was from XXXX XXXX XXXX and he was calling from XXXX XXXX XXXX. He said I obtained a loan in XXXX. I did not receive any loans or credit in XXXX of any kind. He had my previous address and social security number. He threatened to call my employer and file a lawsuit. I asked him for his address and he refused to give it to me, told me I was being uncooperative and said I would be hearing from him. I reported this to the FBI who informed to contact the CFPB.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

At the beginning of my loan I made each payment on the scheduled date and payment amount until I became in default on my loan after becoming XXXX in XXXX 2014. Upon my release I have made a good faith attempt to bring my loan current. Santander continues to call and harass myself as well as my family regarding the standings of the loan. I have contacted Santander by phone several times requesting the past due amount and tried to work out payment terms that were both convenient to myself as well as their company. Each time I have spoken with one of their representatives I have been given conflicting past due amounts. I have now been slammed with so many fees that there is no way that I can bring my account current with no explanation of what the fees are for. This company also continues to report this account to the credit reporting agencies as a charge off and have not reported my payments or account history correct.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

First off, I must say that I have great credit with a credit score around XXXX. I had a Macy 's credit card through American Express. I was set up to pay my bill automatically through my XXXX XXXX ebill system. Previously, whenever I made a purchase at Macy 's, I would get a subsequent ebill the following month automatically in my XXXX XXXX online account. I made XXXX purchases on my card earlier this year. For whatever reason, I did n't get notice of my outstanding balance through my bank ebill system ... therefore I forgot that I had anything due to pay. The charges were minimal - around {$200.00}. I recently went back to Macy 's to make a purchase but was declined. I called the number on the back of my card and I was told that i owed around {$500.00} for purchases, late fees and interest. I asked why was I not notified of these charges and I was told that I ( or someone claiming to be me ) had put a " cease and desist '' on my card which supposedly cuts off all communication to me about that particular credit card. So, my initial balance of around {$200.00} grew to around {$500.00} without notice. I do not feel that I am responsible for those charges since I was set up for using the ebill system and since I never received notice ( by phone/mail or email ) of any late or outstanding balance. I have never been late paying a bill. I want to know how someone was able to place this " cease and desist '' order on my account without me knowing about it. This seems like some sort of fraudulent activity. I would have never known about the missed payment had I not gone back to Macy 's to buy something else. This is a terrible business practice. I also think that my credit report needs amended and my late or missed payments should be removed. I attempted to reconcile this matter witch Macy 's and or American Express and I 'm not sure if that was accomplished. I spent multiple hours on the phone and nobody quite understood what I was talking about. I understand that I am responsible for my charges and I have no problem paying for those. I am concerned that since the system that I had in place to pay my bills did not work properly, any notification to me was cut off by the credit card company and I would be left with a balance that would keep growing to this day. That does n't make sense to me and needs to be fixed.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I applied for a new credit card from Bank of America. They promised a {$200.00} rewards offer for applying. Their fraud line XXXX called my home shortly after applying and told me they were concerned about fraud. They provided a code with letters and numbers. When I received the card in the mail it repeated my first name twice instead of having my first and last name. I called the bank and they said they would not verify my account, unless I came in person to their branch. They also said they do not use codes with letters and numbers. I told them I was unable to come to their branch and wanted to close the account then. They refused to close the account, and said they intend to keep my account open and keep my personal information in their database unless I come to their branch. They used their offer to gain my personal information.
Consumer complaint received 2023-09-21
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. (FL)

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 2016-03-16
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MO)

I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (PA)

Early XXXX Received an UNSOLICITED credit card in the mail- XXXX rewards XXXX thru Chase Bank XXXX Never applied or requested information about this card. 
XXXX XXXX Received statement with balance of XXXX. Charge is for card services not purchases. No purchases had been made. 
XXXX Called to inquire about charges and how account was opened- card was activated during that call not intentionally. Called customer service- explained situation. Advised to go through dispute department. Request account closed asked to remove charges and sent letter. 
XXXX Received letter saying account is closed but I am still obligated to pay balance of XXXX. 
Now late fees and interest are being assessed - current balance is {$130.00}
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.
Consumer complaint received 2015-10-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.