davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

( 1 ) XX/XX/XXXX, I refinanced my mortgage with Nationstar Mortgage LLC d/b/a Mr. Cooper in an effort to decrease my interest rate. 
( 2 ) From XXXX to XX/XX/XXXX I continued to make monthly payments ( {$2000.00} ) on time. 
( 3 ) In XXXX I became aware that one of my payments was not applied to my mortgage balance resulting in a higher than expected balance and fees. However, my bank verified that all checks sent to Mr. Cooper were processed and deducted from my bank account. 
( 4 ) I immediately reported this discrepancy to Mr. Coopper and requested that they investigate the issue. At first, Mr. Cooper indicated they had technical issues with processing ACH payments but that this will be resolved shortly. This did not occur. I followed up with Mr. Cooper weekly, by email and/or telephone but they were unable to locate the source of the discrepancy until XX/XX/XXXX. 
( 5 ) On XX/XX/XXXX, after months of calling, Mr. Cooper verified that my checks were being applied to my previous loan number, which closed as a result of the refinance. Although they received and processed my XXXX mortgage payment, they issued a refund check by mail. After further diligence, I uncovered that I did receive a check from Mr. Cooper however because that check was not marked I presumed this may have been an overage from our Escrow account or refinance closing payment. Subsequently, I re-paid the XXXX mortgage payment. 
( 6 ) During the time while Mr. Cooper was investigating the issue, they purposefully applied my current mortgage payments to the previous month and deceptively applied a late fee to the current payment. For instance, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied XXXX, and our timely XXXX payment was applied to XXXX. In all these instances we were assessed late fees each month and Mr. Cooper reported a derogatory remark to the credit bureaus ; resulting in a substantial decline in our credit rating. 
( 7 ) We asked Mr. Cooper to remove the late fees of {$79.00} and derogatory remark, especially given the delay in resolving the issue around the missing XXXX payment was due to their inability to research and resolve the issue. We were told this was not something they can do. 
( 8 ) This practice of applying current payments to the previous month and then assessing a late fee to the current month is unfair. It is especially unfair when the delay in resolving the underlying issue is the fault of the lender. Mr. Cooper took 3 months to verify that although they did receive and processed our XXXX payment they issued us a check which arrived without any notice that it was a refund of our XXXX payment. The 3 month late fees assessed is purely Mr. Coopers fault and as such we demand that these fees be removed.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

I am demanding removal of this collection from Jefferson Capital Systems. My debt is not with them. I do not owe them the {$820.00} that is reflected on my credit report and it is deeply impacting my credit score. Jefferson Capital Systems claims that the debit is from XXXX XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them. I have requested validation of this debt but have received no response from Jefferson Capital.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

This account has been paid in full and not in a derogatory status. XXXX  Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. XXXX has not made an update on this account since XXXX. All Of the credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on all three credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account. XXXX  Is reporting that this account was 120 Days past Due where the other two credit reporting agencies are reporting that the account was never late and is Current.
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to equifax and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are two student loans that are showing on my credit report that I didn't open and didn't sign for my parents sign for the loans the school that open the loan was a fraud and they closed down and was in the news paper I didn't open the loan and it isn't mine the account is also closed and paid it should be removed by law its not mine and the account is closed and paid
Consumer complaint received 2018-11-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (AL)

I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.
Consumer complaint received 2021-07-06
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: JPMORGAN CHASE & CO. (NJ)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-07-06
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 have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX XXXX and Equifax are not reporting this account, XXXXn is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and Equifax are not reporting this account, XXXX is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX ( XXXX XXXX Account Number : XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX XXXX and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting 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 2021-07-06
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: CITIBANK, N.A. (FL)

This is a problem I seem to be having more and more frequently when using a credit or debit card. I make a purchase, for some reason am not satisfied with the item purchased, return it, receive a credit, and then have to wait an undefined number of days for the credit to appear on my account. This, of course, affects the status of my account and balance in real time. I simply do not understand why charges appear on a credit card or debit card account immediately, but credits take an undefined number of days -- sometimes more than a week -- to appear on the account. The retailer claims the fault is the bank administering the credit or debit card, and the bank claims they can not issue a credit until they receive it from the retailer. This makes no sense since both purchases and credits are done electronically and should occur immediately, as purchases currently do. 

Another illustration of this dilemma is the " holding '' fees hotels and car rental companies are now imposing on credit or debit cards. As recently as last year, I would make a reservation at a hotel with a credit or debit card to hold the reservation, arrive, complete my stay, and pay my bill on departure. There never was any so-called " holding '' fee. The same was true for car rentals. Now both hotels and car rental companies are imposing " holding '' fees on reservations and rentals and supposedly " returning '' those holding fees at the end of the hotel stay or the car rental. The problem is the money is NOT returned immediately, is HELD for an unspecified number of days, and the account is left in a sort of limbo until the money is returned or credited back to the account. 

This imposes real time costs on the status and balance of an account, affecting a credit or debit card holder 's ability to use the credit or debit card. 

The credit card at issue in my case is Citibank 's American Airlines AAdvantage Master Card and the debit card is the VISA card linked to my XXXX XXXX checking account, but I suspect that this relatively new practice is being used by credit and debit card issuers across the board. 

Please look into the legality of this practice, which allows, in the case of a debit card, the issuer to hold on to a customer 's own deposited checking account money, and deprive the customer of the use of that money for an unspecified amount of time.
Consumer complaint received 2021-07-06
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: JPMORGAN CHASE & CO. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
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. (CA)

I have reached out to XXXX XXXX many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 2 ) in acco
rdance with the written instructions of the consumer to whom it relates.

I NEVER Gave XXXX  any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

Regarding Account # XXXX payment history reported to XXXX credit reporting agency. 
Based on my records, the 30 to 180-days past due occurrences reported in XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at XXXX recommendation during the process of getting a loan modification approved. I established a very strong record of punctuality through over 6 years of payments prior to this modification period, with approximately 73 made since opening the account in XX/XX/XXXX. Any delayed payments after that were held up at XXXX behest and were through no fault of my own. This activity is a direct violation of the XX/XX/XXXXDodd-Frank Consumer Protection Act, and is punishable with significant fines. 
Furthermore, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On each billing statement from PayPal Credit, the post-due date grace period - when there is no late fee - is not clearly stated. Nor, is the exact amount of a late-fee for a payment made after the post-due date grace period clearly stated on the billing statement. I believe the presentation of the information regarding post-due date grace period and late fee amount is intentionally deceptive in order to increase the percentage of on-time payments from their customers. And, I believe this is something that violates our regulatory laws for credit providers.
Consumer complaint received 2022-06-06
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. (IL)

I have been disputing this account with Equifax for showing it Charged Off over and over and they continue to report false information and continuously change and update the information. This is falsely manipulating the statute of limitations.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted Equifax and spoke with a representative that stated that request to remove was done ; contacted XXXX   and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Consumer complaint received 2022-04-24
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)

Account # : XXXX Account name : XXXX XXXX XXXX  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 instructions.