davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NJ)

- XX/XX/XXXX : I rented a car from XXXX in XXXX who was almost 2 hours late in supplying me a car at the pickup time specified on the original reservation. The result was a wasted business trip where I missed 2 of 3 of my meetings and was unable to join two conference calls. I was charged {$59.00} for the botched rental and tried to work with the merchant but they were uncooperative. 
- XX/XX/XXXX : I logged a dispute on my credit card. XXXX never responded and hence I won the dispute. 
- XX/XX/XXXX : I had a car reservation at XXXX ( who owns XXXX ) in XXXX XXXX and denied exit from the lot due to the {$59.00} they believed I still owed. At their customer service desk I was advised to contact their XXXX department who in turn transferred me to Transworld Systems Inc ( TSI ) who informed me I could not rent the car until I paid {$59.00}. I advised them this was an invalid debt and nor did I ever receive a 30-day validation letter mandated by the FDCPA. They told me they did not have to send one and without a payment I would not be able to rent from XXXX. Given I was stuck in their lot and behind almost 2 hours in getting to my destination, I charged the {$59.00} on my credit card and advised them I would dispute the payment on the invalid debt and report the FDCPA violations to the CFPB. 
XX/XX/XXXX : The {$59.00} charge was placed into dispute and TSI was contacted by my credit card bank on XX/XX/XXXX. In the meantime TSI continuously calls me without leaving a message which would be a UDAAP violation XX/XX/XXXX : As of this date TSI has not responded to the dispute and must do so by XX/XX/XXXX in accordance with Visa chargeback rules.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Chase Sapphire credit card provides car rental insurance benefit for damages which is handled by XXXX XXXX. I had a XXXX euro damage charged when my rental car was damaged on XX/XX/2022. Despite following the required procedures and submitting all the necessary documentation, my claim, relating to damages sustained to a rental car has been in pending state since XX/XX/2022 without any resolution. 

Initially, my claim was outright denied, only to be re-instated after I lodged a complaint. However, even after reinstatement, the claim has been subjected to extensive delays and numerous requests for additional documentation. The most recent communication from XXXX demanded proof of the car 's return, specifically requesting " the final bill. '' Unfortunately, due to the damaged state of the vehicle, it was towed away, and I was unable to obtain the final sign-off documentation. 

In lieu of the final bill, I provided a comprehensive letter from the rental company, which clearly outlined the rental agreement bearing my name, detailed the extent of the damage, and confirmed that the necessary repairs had been carried out. Additionally, I furnished proof that the rental charges were charged to my Chase credit card, substantiating my eligibility for the insurance claim. 

Regrettably, my experiences thus far lead me to believe that XXXX and Chase are deliberately prolonging the resolution process by incessantly demanding further documentation, perhaps in the hope that I will eventually abandon my claim. This sentiment is further reinforced by the numerous similar complaints documented against XXXX, which can be found at the following sources : The Points Guy : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Considering the evidence I have provided and the considerable delay in reaching a resolution, I kindly request your immediate attention to this matter. I insist on a thorough review of my claim and a prompt resolution in accordance with the terms and conditions outlined by Chase Sapphire 's car rental insurance benefit.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # ending XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

My insurance company, XXXX XXXX XXXX XXXX, was trying to get a better home Insurance Rate from XXXX. It took 20 days to get a response from XXXX but finally on XX/XX/XXXX, 3 days before the expiration day, we had it. It went from XXXX XXXX plus to XXXX XXXX plus just removing my personal property from the insurance. We tried to make the full payment the same day we were told that Freedom Mortgage had already paid in full the XXXX XXXX dollars a few weeks before. Not an e-mail, not a letter, no information at all even when my account shows clearly that I do not want an escrow account. 
When I checked the Freedom Mortgage account a few days later I found a {$4700.00} escrow account not only for the insurance they paid but also for my end of the years Taxes. 
After checking the information, they posted on the web site, I called the Insurance Department to ask Why there was an escrow account and why they had paid for my insurance. He was not able to answer any of the questions, so he made a three line with the escrow department. We went over both questions, so the Insurance Dpmt guy went to check with XXXX about my policy. The communication broke so I had to call back again. Insurance guy told me ( a new one ) told me XXXX  won't give them the info What???? 
Then the escrow Department lady told me that it was a company policy to have an escrow account open, even when I told her that it was paid before the deadline ( XX/XX/XXXX ) We argue for quite a few minutes with no agreement. Sorry but if this is not racketeering, it is very close. I'm XXXX XXXX XXXX coming out of a XXXX, XXXX XXXX so I had to involuntarily stop working 3 years ago. My monthly payment has gone from {$1200.00} to {$1800.00}. Let me know if you need any doc 's to send them immediately. 
Thanks. XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2023-03-14
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. (OR)

I spoke to XXXX XXXX about my credit account being incorrectly annotated as being over 30 days late back in XX/XX/XXXX. After my conversation with them on XX/XX/XXXX, they told me that they could send me a copy of my statements, agreed with me that this was a mistake, but will not remove the negative statement from my credit report. I asked them for a letter stating the mistake and they told me no.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-16
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following account is not mine, I did not open it, and I am not a debtor : XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2017-03-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Receivables Management, LLC (NY)

Left me a voicemail, then left voicemails on both of my brother 's phones, at XXXX Pacific time. They are claiming I am attempting to defraud XXXX from an account that was allegedly opened in XXXX. Even if I did have that account, which I can not recall, I had a bankruptcy in XXXX, and all debts were cleared. The number they called from XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

i investigated Experian 's credit scoring statistics from consumer reported data bases, AI analysis, and from my own data and determined that Experian is scoring consumers credit worthiness using statuc algorithms prohibited by federal credit and discrimination laws. Experian is artificially keeping credit score lows of persons whose credit worthiness is not deserving of the low scores assigned, simulateously inflating scores of persons with higher risk based on prohibited factors. Experian 's actions injure and harm both the creditors relying on their assessment of true credit worthiness and the consumers. Experian also manipulates credit worthiness scores of consumers in order to up-sell credit products to consumers and also to obtain access to consumers ' bank accounts and credit transactions, which Experian sells to corporations, governments and other entities which compromise consumers identity, privacy without informed consent, circumventing other federal laws, including privacy laws. Experian is engaging in unfair and deceptive trade practices and scamming consumers. i have asked Experian to refund all monies collected from me, and to Cease and Decist manipulating my credit score.i have included an example : XX/XX/2023 score was XXXX. XX/XX/2023 score dropped to 691n and remained at 691. comparing these 2 reports, there is no justification for this drop compared to consumers with equivalent credit history as mine. Experian is manipulating my score in order to obtain payment for Experian products and to get me to sign up for Experian XXXX, which gives them access to my financial accounts.
Consumer complaint received 2023-03-14
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. (SC)

Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection on my credit report. 
I previously filed a CFPB complaint, that you closed, when Equifax only responded to the complaint that i filed a dispute. 
i am tired of filing disputes. this account is NOT MINE, has not been proven to be mine, and it is medical and under XXXXXXXX XXXX. it needs to be removed from my report immediately.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

there is a child support item on my credit report that was scheduled to fall off in XXXX and it is still showing and when I called the credit bureaus I was told that payment was made on the account in XXXX however I have been totally XXXX and no payments have ever been made and I have a XXXX monthly amount to pay because I am XXXX, but the credit bureau is refusing to delete the account from my credit report stating that it will now fall off in the ear of XXXX this is not correct there has not been any payments payment to trigger this 7 year statue and I would like to have this removed from all XXXX credit reporting companies
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I don't know who Genesis company is, or why this debt has appeared on my file. I had no debt after moving from XXXX and I do not know what debt this company is trying to collect on. This company has not notified me or contacted me regarding this debt or given me a chance to dispute it's validity, before putting a collection ( which is a negative mark that lowered my fico score ) on my file. 

There had been carpet damage that the renters insurance that I had, was willing to pay for and they contacted XXXX at XXXX XXXX to discuss it ( I also have email thread ) XXXX told them theres was nothing to bill for. XXXX told me that since they were renovating the unit and putting in hardwood floors, that nothing is due. Now, they are going back on that. So with that said, they need to deal with the insurance company however, I don't see how a building could charge for carpet when they've installed hardwood floors, so that's something to look in to by the insurance company. 

XXXX also received monies from the Housing Authority for any arrears before I moved out when my lease was up. I was not made aware of any monies owed at the time of my move out. Furthermore, XXXX XXXX XXXX had a Security deposit from me which to date, has never been returned. 

UDR which is the billing company for XXXX had been trying to bill me for something that insurance was trying to pay. Initially, XXXX said nothing was owed. The insurance company even contact them and was told this. I have proof in the form of email communication thread. I'd like to be able to include this in support of my complaint. My last correspondence was asking them to let me know any TRUE amount due after they worked out whatever they needed to with the insurance company and no onee ever got back to me. 
It is my belief that they were trying to charge me for carpet never installed but didnt want to have to prove that ti the insurance company. It is my belief that they are making false charges and this company named Genesis is trying to collect on those false charges on their behalf. The reason why I believe that these are false charges is because : 1. The property management XXXX told me that there would be no carpet charges because they were renovating the unit to hardwood floors 2. When the insurance person called to try and settle any charges, there was no outcome 3. They are trying to collect from me rather than the insurance company. 
4. They are doing bogus billing which is why they are trying to collect from me, rather than the insurance company, for something that the insurance stated that they would cover however, the building renovated to hardwood floors, no carpet and they are trying to charge me for carpet never installed. Had this been a true claim, they could have submitted for payment with the insurance company.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from Midland Credit Management in XX/XX/XXXX regarding a time-barred account that they claimed ownership of due to the purchase from XXXX XXXX XXXX  . The amount of the alleged debt was {$790.00} listed under account XXXX. I sent a letter to Midland requesting validation and never received a reply. On XX/XX/XXXX, I sent a certified letter to the credit reporting agencies asking for a re-investigation as the account was reporting on my credit report and I also sent another debt validation request via certified mail to Midland Credit Management. I received a letter back from the agencies that the account was deleted and a letter from Midland for an account addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX and I have never lived at the address on the account so I knew that that Midland had mixed accounts. I also looked at the account and noticed the account number was different from the information on my credit report as it was XXXX and the credit report listed it as XXXX. The balance was higher and I have never had a XXXX Account with a {$3500.00} limit. I informed Midland Credit Management that the account they are attempting to collect on is not mine and that their accounting records are off. In their response they continued to claim the information was accurate and that they are continuing collection efforts against me on a debt that does not legally belong to me. I informed Midland that this is debt tagging and they are committing fraud and violating the FDCPA, Privacy, and State laws. They have compromised the privacy of financial records.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NV)

hello I'm submitting this dispute again to you because I do not see the reason why this is still on my credit report as you can see there is no balance left the only account that still shows a balance that should not have a balance was conns and cox communication. below are the accounts that I wish for you to have it removed of off my credit report. thank you! 

XXXX XXXX OF XXXX XXXX XXXX-KS ( Original Creditor : XXXX XXXX  COMMUNICATIONS XXXX )