davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield, Inc is attempting to collect on debt that is not owed. XXXX in XXXX XXXX claims that I overstayed my lease by not returning the keys on time. I vacated the unit on XX/XX/XXXX, and our lease ended on XX/XX/XXXX. On XX/XX/XXXX, we left the mailbox keys, unit keys, and XXXX fobs inside the unit because we had not received any specific move out instructions from the leasing office. 

XXXX in XXXX XXXX withheld the alleged debt amount from my security deposit that was returned, and it did not affirmatively respond to any communication to recover these funds. Since XXXX in XXXX XXXX was unresponsive, I disputed the amount with my credit card issuer, XXXX XXXX XXXX  ( XXXX ). XXXX in XXXX XXXX could not substantiate this alleged debt, so XXXX ruled in my favor. See attachment XXXX dispute update.pdf. XXXX explains that for its dispute process from a merchant perspective, If you submit proper documentation and successfully challenge the dispute in the necessary timeframe, the disputed funds will be returned to you. ( See attachment XXXX dispute process.pdf. ) XXXX in XXXX XXXX was unable to submit proper documentation for this dispute, so they lost the dispute. In retaliation, they sent this amount to Hunter Warfield. 

In previous complaint XXXX, Hunter Warfield promised to cease contact but did not promise to delete this debt. XXXX in XXXX XXXX was unable to substantiate this debt to a neutral third party, XXXX, and I have provided attachments to that effect. 

Please immediately delete this erroneous debt and continue to cease contact. Any collection activity is illegal. Selling or continuing to hold the debt, which you now know to be illegitimate, is illegal. Reporting it to the any Credit Reporting Agency is illegal. Cease all collection activity, and ensure you do not sell it.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, there were multiple fraudulent activities occurs on XXXX of my checking accounts. Someone did a telephone transferred of the amount of {$11000.00}. Due to identity theft, they were able to open a savings accounts in my name and transfer the {$11000.00} into that account. Then, the transactions were then moved back and forth into my checking accounts. Initially, I was told that the " back-end '' off will take a look at the case and will reach out to me if there's any further questions. I asked if I need to submit my supporting documents and the representative told me to just wait until they reach out. I didn't hear anything, but I received letters stating my accounts are closed. Then, I called Chase again, they informed me that the case is already closed and they will issue me a check if there's a balance. Before this incident, I know I had my own money in my account ( less than {$500.00} ). I was still waiting. In the beginning of XX/XX/XXXX, I received a call from the collections office stating I owe about {$420.00}. I told them that I am a victim of fraud and my accounts were closed with no balances because the " back'end office had said the situation has been resolved. The representative also stated that the check were already mailed in the amount of {$11000.00} to someone name XXXX XXXX and my check should be sent soon. She couldn't give me an amount, since it's being processed. The rep informed me that they don't have any supporting documents and I can re-fax it to XXXX with my claim # XXXX # XXXX. XX/XX/XXXX. I went to my local chase bank and XXXX XXXX XXXX faxed my paperwork and she told me it was sent, but she will not be able to provide confirmation to me and I would have to wait for someone to reach out. On XX/XX/XXXX, I called to check on the status. I was being transferred to multiple departments and not receiving an unclear answer. At XXXX, I spoke to a claims representative XXXX ( ID # XXXX ), she said couldn't help me and she will transfer me to another rep in the Claims Dept. She connected me to XXXX ( she didn't want to provide her id ). XXXX told me that the original fax number that I have is incorrect. The original fax number was for regular claims and not for Identity Theft claims. She provided me with fax # XXXX and also provided me with a mailing address. She told me to re-fax it, but sending in my documents will not have an affect because because the claim has already been closed and approved. She also said that I would have to speak to Collections to still set up a payment. I told her why would I need to do that, if I am a victim of fraud. Why would I have to pay it back? 
There's too many miscommunication within each chase department. I'm getting different number to reach out to and the " run-around ''. This is ridiculous, I've been a Chase customer for over 7 years.
Consumer complaint received 2024-01-31
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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 XXXXXXXX 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 Please remove all non-account holding inquiries over 30 days old . 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (CO)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NEW CITY FUNDING CORP. (PA)

I sent certified mail to New City on XXXX which was tracked and delivered on XXXX containing the letter of notice to Cancel my XXXX  contracts remaining 10 months and 2 weeks left for a pro rated refund. I also provided the Affidavit of total loss from my insurance company as required by the contract. No response at all from New city funding. I also sent corresponding emails.. Two of them. To receive not a response, and when I called on the phone I was put on hold and hung up on. Now I understand why they have such terrible reviews. I just want my money back I'm owed. Just like yall wanted your money for the car which yall received! Why am I waiting on my money and can't even get acknowledged it's owed. I contacted XXXX had the contact canceled myself. I just want confirmation about everything and my debit payments and the debit paid in full reported fairly as required by law. And my XXXX  refund.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (NY)

Netspend blocked all use of my debit card XX/XX/XXXX - XXXX 2024 on the purported reason that they wished to verify activity on the card but my calls to them were transferred to their risk management department and were all unanswered. The company refused to call me back during this period or reply to emails identifying the activity or transaction in question that they wished to verify despite numerous emails and calls to them seeking clarification about this. If there was genuinely a concern about any transaction, Netspend would have been able to identify this activity and communicate it to me within hours not days but given the fact that they refused to do so, I am inclined to believe their intent was to frustrate use of the funds on the card. It should not noted that not only was use of the debit card blocked for online or other sales but I was unable to view the account online as they had blocked online access and was further unable to make any withdrawals at ATM locations. No customer would be prepared to accept this from a financial institution and they have proven themselves to be an unreliable company and have caused significant inconvenience and disruption. It is difficult to know if Netspend is also concealing credits to the account as they seem to block the account every time a credit is made to the account. To make this situation even more ludicrous and to confirm the deliberate nature of their conduct, Netspend has again blocked the account ( use of debit card and online access to account ) XX/XX/XXXX and despite further calls and emails to the company yet again, they have refused to clarify the activity they are purportedly seeking to verify and have left the issue unresolved and the card blocked for the last XXXX days despite calls and emails to the company and my reassurance to them that there were no unauthorized transactions or other concerns.It is hard to escape the conclusion that Netspend is deliberately seeking to frustrate access to funds on the account, conceal activity or is reckless in doing so.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VT)

I have no choice in allowing Equifax to collect my credit information. To manage how my information with them is used, I have created an account at my.equifax.com. However, I am unable to enable multi-factor authentication for my account with them. Their FAQ/customer support page, as of XX/XX/XXXX, does not include any information about this. Their phone support did not have any information about this. 
The only related documentation of theirs I can find related to this is a business product : https : //www.equifax.com/business/product/secure-mfa/ They should offer XXXX protection for personal accounts. Especially after their XXXX data breach. The other credit information companies XXXX XXXX and XXXX ) offer this.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. 
However the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). 
Although it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. 
Please see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Lexis Nexis concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or un-demonstratedly asserted. 

My primary concerns are as follows : XXXX. Bankruptcy XXXX XXXX : After disputing the bankruptcy appearing on my credit report, Lexis Nexis asserted that the information is accurate. I find this assertion questionable, as the court, the source of this information, explicitly stated in a letter ( attached herewith ) that they do not report any information to credit reporting agencies. The failure of Lexis Nexis to validate this information with the source compromises the integrity of their reporting. 

XXXX. Privacy Act Violation : In accordance with the Privacy Act of 1974 552a ( b ), no agency, including Lexis Nexis, is allowed to disclose any record, such as bankruptcy information, contained in a system of records to any person or another agency ( XXXX, XXXX, or XXXX ) without the written request or prior written consent of the individual to whom the record pertains. I, XXXX XXXX, did not provide consent to Lexis Nexis or any other agency to collect or share my personal information with XXXX, XXXX, or XXXX. I request the immediate deletion of this erroneous information from Lexis Nexis 's system and from all associated credit reporting agencies. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure that Lexis Nexis adheres to fair and accurate reporting practices. I believe that a resolution to these issues will not only rectify the inaccuracies in my credit profile but will also contribute to maintaining the integrity of the credit reporting system. 

Enclosed with this complaint, please find supporting documentation, including the letter from the court explicitly stating their non-reporting policy. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the diligence and seriousness it deserves. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (AK)

I have been following up with Freedom Mortgage since XX/XX/2023 regarding a nearly {$4000.00} overcharge on my account. Although company representatives admitted to the discrepancy, they repeatedly said someone will reach out to me ) it has been nearly 3 months & no one has followed up or fixed the overcharge. I have a detailed list of emails citing the problem & request for help. Freedom Mortgage has been ignoring my requests for help with this issue for over a month, while continuing to withhold my information & overcharging me.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-06-23
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. (TN)

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status.

I have attached supporting documents that verify the inaccuracies mentioned above.

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law.

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above.

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 or my account without my written instructions.