davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

XXXX XXXX - email from Genesis XX/XX/XXXX - email from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX- XXXX from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis This does not include two initial calls that I answered from an undelivered number in that time range where a woman was pressing me to answer her questions and pay my debt. Upon the first call I received, I asked them to PLEASE stop calling me as I had submitted a dispute request in the mail and had up to 30 days to receive information to continue on with the dispute. At the time, this woman mentioned that the dispute letter " hadn't shown up in my account '', but I have confirmation date of delivery letters from USPS showing that the debt collector did indeed receive my request for a dispute and more information. It has now been 30 days since my request to have that information received, and I still haven't gotten any clarification around this debt collection and why it is believed to be owed. I still receive weekly calls asking to pay my debt and harassment that if I don't pay I could be in big trouble. I have called Genesis three different times in the last week and no one picks up the phone. I do not believe that I owe the debt amount, but yet I can't get any information as to why this debt collector believes I should pay them or how they came up with the number they think I owe. 

In addition to this information, the debt collector is asking us to pay {$730.00} on behalf of " damages '' that were never proven with an old rental property that I once rented from. In my time at this location, there were many occurrences that happened in which we felt we were treated unfairly. 

We had asked COLUMBIA DEBT RECOVERY LLC DBA GENESIS to provide proof of damages, along with a written letter asking to provide that information in the matter of 30 days. They had until XX/XX/XXXX to prove that information, and yet I'm still getting calls asking for us to pay our debt. All calls from Genesis should have been put on hold according to their original email correspondence in which they stated in writing " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' Our letter was written and submitted to them by XX/XX/XXXX and again, there is proof of that from USPS delivering that letter. I have also attached the PDF of the written letter submitted.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I have had ongoing issues for approximately 3 weeks with USAA locking me out of my bank accounts ( checking and savings ) and the mobile app. This morning I discovered that USAA initiated a " security review '' on XX/XX/23 and I am unable to log into my accounts for 7-10 days from that date.
Consumer complaint received 2022-12-13
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: GOLDMAN SACHS BANK USA (NY)

In XXXX of 2016, I sent my credit card payment in the mail and it got lost in the mail. I of course did not know this until it was too late. Since then, I have repeatedly tried to fix this because it shows as 30 day late payment on both my XXXX and XXXX credit report. It does not show on XXXX because they have corrected it. The credit card has now been sold to a different bank ( Goldman Sachs XXXX XXXX credit card ) and it is still reporting a 30 day late payment. I am really concern about this because I absolutely always pay my credit card bills ahead of time. I would like this to be corrected, specially since it was not my fault.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your agency is in violation! 
XXXX5 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.

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2022-12-08
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD 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 LETTERS FOR REFERENCE
Consumer complaint received 2023-09-30
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX  account # 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 consent.
Consumer complaint received 2023-09-30
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. (GA)

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. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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 an 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 2023-09-30
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. (GA)

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. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX 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 an 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 ) ( XXXX ) 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 2023-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I was charged {$99.00} on XX/XX/XXXX erroneously. On XXXX order # XXXX they sent me the wrong item, and the they issued return # XXXX indicating I did not need to return the item- but to donate it. I filed my first dispute on XX/XX/XXXX, with no resolution and Comenity kept charging me late fees. I refiled a second dispute on XX/XX/XXXX with no resolution and they reported my account late to the credit bureau for XXXX and XX/XX/XXXX. Out of exasperation, I paid the account in full to stop the damage to my credit.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

I sent notice to DISCOVER to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed DISCOVER that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with DISCOVER. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with Experian, still waiting on dispute with Experian, XXXX not responding.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I have a promotional 6 month APR XXXX XXXX for A few purchases. This month in XXXX that promotional period ended for 3 of the purchases for XXXX  % at least thats what it shows on my statement! It looks as if they added the interest of the full purchase amount from six months ago. But it still wouldnt equal the amount that they are charging. The one intital charge of {$300.00} on XX/XX/XXXX  now has a balance of {$86.00} but they charged me {$30.00} in interest? If I only owe {$86.00} how are they charging interest at the full {$300.00} initial amount times the 6 months. If I knew this acted as a payday loan I wouldve never used this card. Nowhere in the disclosure does it tell me the initial amount is what is charged at the end of the promotion for the APR at XXXX  % Regardless of what youve paid it down to. Times the six months promotional interest missed. Theyre still charging monthly interest as if you still owe the full amount from 6 months ago. How are they calling this a promotional period when they just tack on all of the interest that you missed in the promotional period time when it ends? This is a scam. How can a company that operates this shady way be trusted consumers can not rely on these sorts of practices. They set you up that your account could never be paid off.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The overwhelming XXXXXXXX XXXX XXXX disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

I sent notice to JPMCB to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed JPMCB that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with JPMCB. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account number ending XXXX )
Consumer complaint received 2023-09-30
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. (PA)

Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cc : FTC ID Theft Report XXXX
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

My loan was put into administrative forebearance for 2 months without any notice or agreement from me by Mohela. I am now being charged interest but I can not make payments on the loan. Am I ready and able to make payments but I am being prevented from doing so by Mohela and I am being penalized with interest accruals that are not due to my inability to pay. If Mohela can not process my payments, then I should not be accruing interest on the loan.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-09-30
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-04-22
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 Report Act XXXX, XXXX, XXXX XXXX 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 an account without my written instructions. 
This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I contacted Equifax to find out why my credit score went down XXXX points!!!! On XX/XX/XXXX when nothing would have warranted my credit score dropping this much, considering this did not happen on XXXX or XXXX. My credit score was almost XXXX, and every time my credit almost reaches XXXX, these credit agencies always drop my credit score, for the past XXXX years this has been happening. And I will attach proof. One instance it shows an increase in a creditors balance, and on the equifax actual website, it shows this creditor is actually CLOSED!! In fact, I have a lot of creditors that show non existence accounts that I am having to dispute.
Consumer complaint received 2023-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

We have been paying on this loan since roughly XXXX the loan changed hands in roughly XXXX and we now owe more on the loan than what we originally started with and we had been making regular payments up until a few months ago. This is a XXXX XXXX loan.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

About 6 days before our vacation, the hotel contacted me via text to tell me the beach access had been closed suddenly due to construction and the nearest access was a mile away. This reservation was nonrefundable but we were told this policy would be waived because of the circumstances. We booked elsewhere and actually paid more for a different hotel with the access. I contacted the hotel several times via XXXX and they said, in writing, that it was refunded. This never happened. I finally disputed the charge through my Chase credit card. I supplied pictures of all conversations promising the refund and the conversation stating the refund had been issued. After the investigation Chase sided with the hotel because they simply sent a copy of the nonrefundable booking policy. I have many conversations in writing stating this would be refunded by XXXX AND the XXXX XXXX but Chase still sided with them and did not consider all of my evidence.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: GOLDEN 1 CREDIT UNION, THE (CA)

We went into the local XXXX branch of Golden 1 Credit Union on XX/XX/24 and closed our HELOC account. We did not receive a final statement at that time. I finally went back into the branch on XX/XX/24 and got a final statement after requesting it several times prior. I need a document from Golden 1 that states this account is closed. They eventually gave me an email address to email this request to. We have emailed them a couple of times and they are not responding. We have pending financial business at other financial institutions that is waiting on this document. This has created a financial hardship for us.