davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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)

According to 15 USC 1692 c and FCRA Section 605C you have violated my rights by lawful communications. Please remove these items off of my credit report. I am a victim and this needs to be handled immediately before I take legal actions. 

Please read the enclosed documents.
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My mortgage payment went up due to a tax increase. At the same time I received an escrow overage check. Way at the bottom away from the check I noticed later the next first of the month date with the new higher mortgage payment. Nowhere on top of check letter nor any previous correspondence was I informed through letter or email that my payment was going up. The only way I found out was a letter showing a late fee later. I pay my mortgage on the 20th of every month, 10 days early. Never late nor have I ever missed a payment. To me this is a scam. They sent out an overage check, because any overage in escrow over {$50.00} they do this. They are hoping you miss the new payment in small print at the bottom. My payment every month is made automatically, without any notice why would I change the amount. Now they want an extra {$140.00} plus the higher amount of mortgage payment. Not only that, they took some of my next months payment to fix the shortage and late fees not telling me they did so only to mess up the next month without telling me that month would be short hoping again to add late fees. This is a total scam to gain late fees and is not fair. I have contacted them and have gotten nowhere.
Consumer complaint received 2024-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Federal Credit Control, Inc. (FL)

Today, I got an email from XXXX The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I ALREADY sent a message through their portal recently to quit contacting me because they have previously called, texted, mailed, AND emailed me NONSTOP about a medical debt. They will NOT leave me alone. I've already reported them to the FTC as I'm on the do not call registry and made them aware of this as well, and they STILL won't leave me alone even after I asked them to cease all contact and have reported them for harassment.
Consumer complaint received 2021-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

my XXXX  credit card formerly issued with XXXX a visa card has been switched without my permission to the worst credit card company with the most unprofessional customer service. BARCLAY BANK never sent me a new card as per the agreement and the notification i received by mail!!! ..8 hours..5 phone calls had to leave my XXXX XXXX  mother with a neighbour! ..my mother has received her card..an extra was given in my name..i am supposed to be receiving my own replacement card!!!!! i tried to register the card my mother got in my name..it is not working!!!! ..BARCLAY NEEDS TO BE MORE RESPECTFUL OF PROSPECTIVE CUSTOMERS! I WANT MY OWN CARD AS I HAD WITH MY XXXX XXXX CARD!! EITHER WAY..NO DEALING..NO RESPONSE..UNABLE TO REGISTER THE CARD MY MOTHER RECEIVED AS AN AUTHORIZED USER!!!. issue me replace my visa/XXXX with a credit card in my own name!!! ..i do not want to be an authorized user! i want a new cards in my name..only! you have no idea how frustrating and aggravating this is! i never miss ANY CREDIT CARD PAYMENTS! HAVE AN EXCELLENT CREDIT SCORE! 1 ) I WANT A NEW REPLACEMENT CARD FOR THE ONE DID NOT RECEIVE! i want to register it online so i can pay any charges that are incurred... i curse the day chase switched it's XXXX card to these numbskulls! ..i am considering legal action against BARCLAYS! ..please intercede on my behalf! i would have a better chance of talking to XXXX with a XXXX XXXX  than these uncaring selfish idiots! they knew this was happening -- get more customer agents! ..please get in touch with BARCLAYS let them know that i did not get my own card!!!!!!!!!!!!!! thank you j. senning.see how you or anyone else would like to be on hold for 9 hours!!! i have enough to do... i do not need this unprofessional behaviour from a bank issuing this credit card..
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

I sent you dated XX/XX/2020 I stated the following : I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

I received nothing but phone calls and letters to settle a debt I know nothing about.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MD)

I checked my credit a few months ago and saw an account that I did not recognize. I have disputed the account with The Bureaus Inc, and I have received nothing in the mail at all! It is my right to know what and why someone is reporting information about me to a third party. I did my research and found that I need to file a complaint here to punish and eventually get this company fined! Please investigate this company as I am sure I am not the only person who has issues with the confusion this company creates, even their name is misleading!
Consumer complaint received 2021-11-11
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (AL)

My credit report shows 3 inquiries from the same mortgage company " CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' XXXX within 30 days. All 3 are being reported as inquiries which reflects on my credit score. Why they continued with the inquires multiple times is unknown. But would like the inquiry be limited to one. Not 3 in a months time. I realize it seems minor, but working hard to keep my credit up. And this isn't helping. Thankyou for your time and patience.
Consumer complaint received 2020-10-31
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: Experian Information Solutions Inc. (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, Experian, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax, XXXX  and XXXX  has continuously and falsely verified this alleged account.XXXX, equifax  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I set up payments in my XXXX  app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was scam and I was trying to tell my bank to give my money bank and they tell me I have to talk to a merchant that no longer exist and I just want my money back I was robbed Scam {$700.00} a week of my paycheck it was on XX/XX/2020 first it was {$500.00} and then {$200.00} i just want Capital One Bank to give my money and I actually report to police also an nothing help me
Consumer complaint received 2022-07-20
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (TX)

CCS Collections at XXXX XXXX XXXX, XXXX MA XXXX has been sending me collection notices in the amount of {$84.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-09-20
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

my name is XXXX XXXX with XXXX # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.
Consumer complaint received 2024-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

Was contacted by bc services for a medical debt. I requested invoices so I could make sure it was mine. Never received anything from them till I received a court summons that they were suing me. Tried to set up payment plan with them and they would not work with what I could afford.
Consumer complaint received 2022-09-20
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: SYNCHRONY FINANCIAL (FL)

I paid off this credit card and they sent me a letter that I was good in good standing, I do not have the letter and they do not have me in their system and they have not deleted and they are reporting different information to the credit bureaus.
Consumer complaint received 2024-12-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA requires that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. 

Failure to Address My Appeal : I contacted XXXX XXXX  to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXX XXXX  : Despite my providing documentation and multiple follow-ups, XXXX XXXX  has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Good afternoon, months ago I transferred money to Coinbase, they accepted the money and the next day they restricted my account, they did not let me access, I can not see the amount, I have sent hundreds of tickets to support and nothing that responds to me, I've been with my savings in coinbase for more than 8 months
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I have checked my credit through XXXX on XXXX XXXX. XXXX and I found out that I have a debt collection by Progressive MGMT System XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), the amount of {$3700.00} since XXXX and its balance was updated XXXX. XXXX by Progressive Mgmt System, I called them to dispute XXXX on XX/XX/XXXX and one of their staff told me that I have not paid my medical bill by XXXX XXXX XXXX XXXX, then after that I called my health insurance, they told me that in my medical records I never been treated by XXXX XXXX XXXX XXXX and all my emergency bills were already paid in full ( I only have admitted to XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX XXXX Please see the documents attached.
Consumer complaint received 2021-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EAST WEST BANK (CA)

According to the mortgage statement dated XX/XX/2021, total balance owed was {$98000.00}, minimum payment due date was on XX/XX/2021. 

An amount of {$88000.00} was paid on XX/XX/2021, and another {$7000.00} payment was made on XX/XX/2021. These two payment amounts should reduce the total balance to {$3900.00}. 

However, according to the mortgage statement dated XX/XX/2021 : 1 ) A past due amount has incurred. Payment was made before the due date XXXX XX/XX/2021 ). 
2 ) Only {$82000.00} was applied instead of the {$88000.00} amount that was paid on XX/XX/2021. 
3 ) An excessive interest rate amount has been charged even though the principal balance has been significantly reduced after payment was made on XX/XX/2021. 
4 ) Balance Subject to Interest Rate is {$8700.00}, but the new statement balance indicated on the upper right hand corner of statement is actually {$9500.00}. An excess amount of {$770.00} has incurred.
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Consumer complaint received 2021-08-19
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. (PA)

This company has now damaged my reputation as a consumer as well as violated my right to privacy. They have furnished inaccurate information and accounts in the report as well as furnished my information to other parties without my written consent as a consumed to do so Violating Title 15 U.S.C.1692c ( b ) and 1681b ( 2 ). As a result of this action they have caused greater harm to my reputation with the 22 unauthorized inquiries present that are not connected to accounts. This is a continuation of violating Title 15 U.S.C. 1681n ( b ). This company has previously disregarded the consumers request for reinvestigation of these accounts and inquiries hurting the consumers ability to obtain credit.