davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (DC)

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, 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)

these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX. date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX  date : XX/XX/XXXX XXXX  XXXX. date : XX/XX/XXXX XXXX  XXXX ( bank ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX XXXX XXXX date XXXX
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX CARD XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$380.00}
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I received my credit card statement from XXXX on XX/XX/22 for the statement period of XXXX and it includes interest charge ( {$4.00} ) and late fees ( {$29.00} ). In reviewing the statement, I realized that it shows me being past due for the XXXX payment. I've had this credit card for several years and have ALWAYS paid it in full each month before its due date. I checked all my bills for XXXX and did not find any statement from Barclays for that month. All of my bills for XXXX had been paid in full and on time. I called Barclays on XX/XX/22 at ( XXXX ) XXXX and spoke with XXXX to explain the situation and my concerns. He said that Barclays sent the bill on XX/XX/22 and will resend it to me for my record. I explained to XXXX that my payment history with Barclays should show that I have ALWAYS paid my credit card on time, in which he acknowledged and thanked me. He did not offer any other recourse. I have no issue paying my bills in full and on time when I receive my account statement because that is my responsibility. The bank/financial institution has the responsibility to send those statements out on time to customers. In this case, I did not receive it for XXXX.
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

We had hurricane XXXX pass and we asked to put 2 months on the back of our loan. We called back to start paying they said hey messed up and did it as we needed help with covid, and they said h to my cant do it anymore we would need to make payments in 4 plus our mortgage. Told them that was not possible and they had to add it to the back of the Lon like the lady told us. They tell us they can not do that and start a modification process, we had no idea what this was. We are first time buyers new to all of this. It has been since XX/XX/2021 and we still have no answer we are behind XXXX and can not make any payments to them. Mr cooper is treating us so wrong and has done nothing to help us with the situation. They are the worst mortgage compny
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of XXXX to collect in this debt, also asking to see if there had been XXXX claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, Equifax, and XXXX immediately.
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kovitz Shifrin Nesbit, A Professional Corporation (IN)

This Complaint is related to a debt collection practice by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and collection firm XXXX XXXX XXXX XXXX ) which has the potential to effect hundreds of consumers. 

I returned home from a lengthy vacation in early XXXX. At that time, I had several correspondences- XXXX of which was from the XXXX XXXX XXXX XXXX XXXX. The correspondence indicated I owed {$XXXX}, that the payment was due by XX/XX/XXXX and provided methods of payment. The amount owed included late fees, interest and a collection fee as I was past due on my quarterly payments for the year. Given the property XXXX sent a letter directly to me with methods of payment ( none of which mentioned the collection firm ), I responded to same. I sent a money order for {$XXXX} on XX/XX/XXXX to the address provided in the letter in compliance with the directives provided. I have proof that the money order was received by the property management company on XX/XX/XXXX ( attached ). 

The money order was subsequently returned to me by the collection firm in late XXXX ( well after the due date ) indicating they were in control of my debt as of XX/XX/XXXX. They further indicated they sent a letter on XX/XX/XXXX which indicated I actually owed {$XXXX}. This letter was sent prior to the letter I received from the property management company which indicated I owed {$XXXX}. As such, I formerly disputed the alleged amount owed and I advised the firm that I received a subsequent correspondence from the debtor itself which conflicted with the collection firm 's claimed amount owed. I further stated that I sent the money order for the full amount owed which included late fees, interest and collection costs to the property management company in response to a letter that I received from them. Candidly, I believe the collection firm is attempting to collect additional fees it is not entitled to. I did not receive any further correspondence from the collection firm after I sent this letter. 

Since that time, the XXXX XXXX has sent me an additional bill dated XX/XX/XXXX. I called the XXXX XXXX today indicating I have been trying to pay the bill, but they have yet to cash the money order for the alleged amount owed. I have XXXX open tickets showing contacts between XXXX and today. I indicated today that I intended to file a Complaint given the XXXX XXXX continued to send me bills but had not accepted my money order for the amount they claimed I owed. Just a few hours later, a Complaint was left at my residence. In the Complaint, the collection firm alleges the debt that is owed to XXXX XXXX is {$380.00}. They further allege they are entitled to attorneys fees and costs for the filing of the Complaint in the amount of approximately {$800.00}. I attempted to pay the alleged debt owed well before the filing of any Complaint. I believe the filing of the Complaint is another attempt to collect additional fees to which the collection firm is not entitled by contract or law.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc. (CT)

I have received notice from 2 credit card companies- Total and XXXX XXXX that my credit limit has been frozen due to making multiple payments in the same month. They wanted to see my bank statement showing I am the owner of the account and to highlight the payments coming out. As of this date, they have not unfrozen my accounts and the letter states that my account could be closed. This is ridiculous as I have 2 checking accounts t that I use to pay my bills. They could care less and it sounded like the customer service rep was reading from que cards to respond to me.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I was on a XXXX  in on my credit report it shows I have missed 26 payments does not state that I was on a monitorium they show XXXX XXXX XXXX for almost 2 years and the payments that I've made before the XXXX  no longer reflect on my account and the beginning balance has been changed from {$89000.00} to XXXX so I'm missing proof 14 years a payment history and I've never missed a payment I've never been behind yet they keep reporting every month that I am late and I've missed 26 payments does not mention a XXXX  at all
Consumer complaint received 2022-09-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

Opened account with Citibank ATM card XX/XX/2022. Deposited {$10000.00} into said account. Was suppose receive bonus after 120 days. Have companied to them but have received no satisfaction.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (CA)

I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. 

If I want to be opted out, I have the right to be opted out. 

VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ).

A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out.

The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer.

See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation.

VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. 

Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. 

The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (MD)

An account was opened with Care Credit in 2021 by a XXXX XXXX in my name during XX/XX/2021. Since the existence of this account, Care Credit has reduced the credit limit from {$2000.00} ( estimate ) to {$440.00} as I continued to pay the balance down. I have paid this balance down since the existence of this account to {$290.00}. This month Care Credit stated that the Deferred Interest/No Interest If Paid In Full period has expired and placed a charge of {$310.00}. Because they continued to reduce the Credit Limit to {$440.00} and then charge the account {$310.00}, they have now placed the account over the credit limit by {$170.00}. They have also reported my account to the Credit Bureaus which have reduced my credit score by 42 points. When contacting Care Credit they have stated that they will waive the additional fees of {$310.00}, after I pay the balance of {$290.00}. Their statement still does not reverse the negative impact of my credit score. I also requested that Care Credit please furnish me the Credit Agreement regarding these terms, but they have not done so. This practice of gradually reducing the credit limit, and then imposing the deferred interest is not fair. Had the Credit limit remained the Original Limit, there wouldn't have been an over the limit negative impact to my credit score. Also, I question there reasoning for reducing my credit, because I have been continuing to improve my score.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX  XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I opened 2 savings accounts with Marcus a Goldman Sachs savings acct. i mailed in a check for a project i did for someone. 20. days later the check was credited to my acct. i tried to transfer some of the funds to my checking acct. they locked my accts. when i called and asked why they requested i send ba k statements from.the extenal checking acct which is XXXX. they would not let me email the info i had to send via mail. So 16 days later i call and they recieved the info. Now they want a bank statement from the person who wrote me the check?? they check cleared and they still will not release my money. i asked they close the accts and mail me the funds and they said no???
Consumer complaint received 2022-07-28
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. (HI)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-07-28
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: EQUIFAX, INC. (CA)

How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MI)

Newrez/Shellpoint loan servicing company has reported my monthly mortgage payments as late to the credit reporting agencies. According to its records my last was payment posted on XX/XX/2024 when I have proof that my payments are up to date ( my last payment was sent on XX/XX/2024 ). I have contacted the company by letter and sent a fax on XX/XX/2024 asking for an explanation but have not yet received a response.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

In accordance with the provisions of United States Code, Title 50 Appendix, section 535 of the Service Member Civil Relief Act ( hereinafter SCRA ), you were provided written notice of my intent to terminate my lease for premises at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I received orders to XXXX XXXX XXXX XXXX XXXX XXXX In addition, I received orders for a permanent change of station to XXXX XXXX XXXX. The SCRA states a service member may terminate a residential lease 30 days after the first date of the next rental payment. My next rental payment was due on XX/XX/XXXX ; therefore, the lease was terminated on XX/XX/XXXX. 
Under the SCRA, all unpaid rental amounts for the period preceding the date of termination shall be prorated. The SCRA prohibits any early lease termination charges or penalties. The property was left in great condition with normal wear and tear when I XXXX. As I previously mentioned there were police reports of unknown individuals residing in the premises while I was away and without my knowledge. In compliance with the Florida landlord tenant law and the service members civil relief act please refund any and all amounts held. It shall be returned according to the laws of the laws of the State. If you would like review police reports.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2019, I applied online through XXXX XXXX via XXXX for a Chase Freedom credit card, which immediately showed up in my XXXX credit file as a hard inquiry. More than a week later on XX/XX/2019, I received a reply from Chase in the form of a secure message through my online account with the merchant ( I have two existing credit cards with the merchant, a Chase Slate and Chase AARP credit card ) requesting that I phone in to verify that the application was submitted by me. I responded the same day with a secure message through my online account indicating that the application was indeed submitted by me, but chase repeatedly insisted that this would not suffice and that I would need to phone in. I indicated yesterday that since the request to verify my identity was made through my online account, it should also be possible to process my identity verification there, and that I wanted the hard inquiries Chase made to my credit files removed if this were not the case. Chase responded today via another secure message by once again requesting that I phone in.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, 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. (TX)

I went through my credit report and I don't recognize the following inquiries 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  Equifax Violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states that a consumer reporting agency can not furnish a account without my written instructions.