davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/2024. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name
Consumer complaint received 2024-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XX/XX/year> I closed on a HELOC loan with FNB for XXXX at a rate of 7.9 %. On XX/XX/XXXX, I advised FNB that I was going to be mobilized starting XXXX XXXX and was requesting SCRA benefits which would lower my interest rate to 6 %, to XXXX XXXX Assistant Branch Manager at the FNB where I opened the loan. On XX/XX/XXXX, I received a response from XXXX stating that they can not process SCRA until I am back on XXXX XXXX status which would be XX/XX/XXXX. XX/XX/XXXX I sent XXXX another email asking for her to again submit for SCRA benefits on my behalf. She responded via email on the XXXX of XXXX stating that she will submit the request on the XXXX of XXXX. I received a letter by mail dated XX/XX/XXXX, stating that I am not eligible for SCRA benefits, stating that I was on XXXX XXXX status XX/XX/year>, prior to opening the HELOC. XX/XX/XXXX XXXX sent an email to XXXX XXXX who sent the letter, stating that the date they have for my active service was wrong, and I included a copy of my mobilization orders, which I did for the initial request. I received an email from XXXX on the XXXX of XXXX stating they are reviewing my request with their legal team, and they will reach back out within XXXX. On XX/XX/XXXX I received an email from XXXX stating they need more time to research the issue. That was the last communication I received from XXXX or FNB. Upon receiving the email on the XXXX I sent XXXX another email requesting what the issue is holding up me receiving my benefits and if no action is made I would file complaints with various institutions. The last email I sent was on XX/XX/XXXX.
Consumer complaint received 2024-10-01
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)

Looking into my report, I notice the report states that I have 3 late payments on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy which is not with this account. I have never been late on payments for the account with XXXXXXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payment be updated to on time as they should be as I was never late on this account with XXXXXXXX XXXX Thank you for your time.
Consumer complaint received 2024-09-11
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. (NY)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 XXXX before the payment due date.

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 XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 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 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Was not notified of any debt owed/associated with Helvey and Associates until it appeared on my credit report. Tried to determine the action and why I was not notified, and the company refused to provide any information or proof that they sent correspondence to me at my residence of XXXX XXXX XXXX XXXX, which I have been at since 2016. Disputed this with XXXX and it was removed however, Helvey and XXXX refuse to remove debt though I am not aware of the debt, this collection company, and was not provided documentation regarding this debt in order to determine if it was correct. 

This company has been known to threaten people, not contact them, and threatened that I would be sued if I did not pay the debt that I was not aware that I had. In addition, I submitted a debt consolidation letter via mail, which I received no response to.
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I verbalized the dispute over the phone on the XXXX of XX/XX/XXXX and sent notice of the dispute to Genesis, XXXX, as well as the district on XXXX, XX/XX/XXXX. 

Regardless of the dispute, Genesis ( 2 months later without acknowledging the dispute ), still reported negative information on my credit report in an attempt to still try to collect. Genesis also failed to tell/notify any of the credit reporting companies who they reported my debt to, that I disputed the debt. 

I requested proof/receipt as well as an itemized list of discrepancies. 

My son moved out of the apartment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A moveout inspection was submitted the XXXX of XXXX no acknowledgement, but noted on the final statement. On XX/XX/XXXX ( a year later and after residents had already leased and moved out of the residence ) we received an inaccurate/false statement of damages sent by the apartment complex. False statement, because there were no receipts and the statement had pictures of my son and his roommates pointing to damages when they moved in. 

I contacted the apartment that day to point out the issues because it was mentioned that it may have been a mistake and the bill/statement was meant for the tenants who moved in afterwards ( which still made no sense ), as this was over the 60 day time frame Arizona law requires.

The damages from the pictures attached to the statement, were left from the previous tenant and the complex was never professionally cleaned. We have receipts from the XXXX XXXX of all the cleaning supplies we had to purchase. 

There were multiple rooms, but not my son 's room. Also, every roommate recieved the same charges to the same room, despite renting different rooms. 

I requested ( 3 different times ) an itemized receipt for the damages noted.

1. the conditions were pre-existing to our tenancy.

2. The claims are untrue or invalid, for a variety of applicable reasons.

3. The charges, although based on actual damages, are excessive, 4. The claims are unclear because they are vague, not itemized.

5. The damages reflect normal wear and tear.

To make matters worse, Genesis sent a misrepresented and false statement/validation note last week ( outside of the 5 days after first contact ). The statement received in the mail last week, excludes the " comments '' which depicts pictures of XXXX XXXX pointing to discrepancies when he moved into the apartment, showing direct proof that Genesis knowingly and maliciously altered the statement to make it seem as if these fabricated charges were true. As a debt collector Genesis knowingly used false, deceptive, and misleading representation or means to collect or attempt to collect a debt by falsifying the statement.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (UT)

My husband and I used Affirm to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The Affirm loan was completely paid off. Then in XXXX, after trying to work with XXXX for XXXX  months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with Affirm. We were told that this was our money and that Affirm could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed Affirm money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to Affirm to review. I have not received XXXX phone call from Affirm asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with Affirm and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

Affirm is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would Affirm disperse the money back to XXXX without checking into the situation first? Affirm sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used Affirm for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on Affirm 's end. 

My husband and I are now in collections with another agency, XXXX XXXX, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

Fraudulent charges on Chase banking account for roughly {$350.00}. Chase will not stop the charges or credit my account. Not even temporarily. I am overdrawn as a result and have no access to my funds for gas or groceries. I have had to replace my debit card XXXX  times this year due to this reoccurring issue.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | DOBXX/XX/XXXX Date : XX/XX/year> Subject : Request for Correction of Inaccurate Information in My Credit Report Under the FCRA To the Equifax Consumer Relations Team : I am contacting you to formally dispute inaccuracies in my credit report. There are incorrect variations of my name and addresses listed that do not belong to my credit history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am entitled to accurate and complete information in my credit report. I am requesting that you investigate and promptly correct these errors.

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Equifax is required to investigate disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

2. Details of the Dispute : Incorrect Name on the Report : XXXX XXXX XXXX The correct name is XXXX XXXX XXXX XXXX XXXX I request that this incorrect variation be removed and only my correct name be retained. 

Incorrect Addresses on the Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Note : The correct address format is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The address listed is incorrect and should be updated. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address is not associated with my credit history. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address does not belong to my credit history. ) The only accurate address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other addresses must be immediately removed. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residence to facilitate the validation of my identity and expedite the correction process. I also include documents that support my claim.

4. Request for Action : Based on the regulations outlined above, I request that : The incorrect name variation be removed. 
The incorrect addresses that do not match my history be deleted. 
I receive written notification of the results of the investigation, as required by the FCRA. 
If the disputed information can not be verified, I request that it be removed from my credit report immediately. 
As a consumer, I demand that no more time be wasted, and that the information be corrected within the legally established timeframe of 30 days, as per the FCRA.
Consumer complaint received 2024-10-01
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. (NV)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX, XXXX XXXX  XXXX