davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

XX/XX/2020 Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX : XXXX    XXXX : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me.

II Equifax Consumer Reporting Services ( " Equifax " ), a consumer reporting agency as defined by the FDCPA, has within its  files, records, and databases a consumer report identified with and pertaining to me contacting items of adverse information supplied by unidentified suppliers of information regarding debts presumably owed by me. ( See : Exhibits 1 & 1A ).

III Although the information supplied Equifax provides the dates the accounts were opened and reported to Equifax, they fail to meet the notification criteria set forth by the FDCPA in that they preclude information as to : 1 ) The identity of the original creditor. ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ( 4 ) ) 2 ) The address and other contact information of the original creditor ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher. ( See : 16 C.F. R. 660.4 ( 4 ) ) 4 ) The dates the debts became delinquent. ( See : 16 C.F. R. 660.4 ( 4 ) ) 5 ) The actual validity of and the reasonable attempts undertaken by Equifax and the information furnisher to establish the validity of each debt. ( See : 16 C.F. R. 660.4 ( 4 ) ) IV Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 
5 ) DELETION of the disputed information from my Equifax consumer file. 

V Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CT)

An automatic payment for {$2400.00} failed on XX/XX/22 and the failure was corrected ( balance paid in full, plus extra ) on the same day through 2 payments ( XXXX and {$1000.00} ). The company ( Goldman Sachs ) charged interest totally {$56.00} for the balance of the missed payment. Goldman Sachs representatives refused to acknowledge that our payments made them whole on the same day that I was aware of the missed payment and refused to remove the interest charges.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

My CitiBank checking account was recently closed. It was closed right after I received {$23000.00} deposit to my account. I have been waiting on this money all year to take care of bills and stop my XXXX situation. My account was closed and I was told I have to wait 30-60 days for the account closure and a check will be mailed to my home address. Well within that time frame, I wont even have an address to live at. Furthermore after doing research online, this has been done to hundreds of Citibank customers and they all just lose their money and never get it back. Im so stressed out and just dont know what to do and was told that contacting you guys me be my best option. I have no access to my funds and no way to get them out or no guarantee to ever receive them.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account. In the most recent response to my complaint ( XXXX ) they did not address the issue, but told me to call them. This entire issue started when I called and spoke to them and was told they would never let me log in. Calling again is not a resolution to the complaint. 

I need to be able to log in. That is all. Please address the issue directly indicating what has been done to allow me to log in to my account.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (CO)

I called Apple this morning and let them know I did not open the card. I was receiving calls for a week and assumed it was spam, come to find out someone had opened an Apple Card with all of my info. They let me know my social security number was required to open the account and let me know I needed to contact this site. 

There were some charges in XXXX Ohio. One for XXXX dollar XXXX XXXX and XXXX dollar XXXX XXXX XXXX charge. 

Goldman Sacks Bank USA has currently frozen the account and let me know to contact you all so that all fraud can be tracked on the account opened.
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OLD NATIONAL BANCORP (IL)

I took out a loan in 2018 with First Midwest Bank They transferred my loan to Old National bank I can not get any call backs or appointments The phone hold is over 60 minutes No One is answering and helping me with my concerns This is ridiculous I have been trying for a month NO HELP I need to have someone from Old National bank call me or e mail me or give me a number I do not have to hold for 60 minutes
Consumer complaint received 2020-07-29
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. (PA)

I have sent multiple letters to Equifax since they are the only ones reporting the inquiry from XXXX  dated XX/XX/2019. I asked them to remove this from my report as I never authorized XXXX  to run my credit file but after so many dispute letters, this inquiry is still on my report.
Consumer complaint received 2021-05-31
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)

In XX/XX/2020, I enrolled in Covid relief and was approved. In XX/XX/2020, I was charged late fees. I started making minimum payments that I could make, which was approved through company but late fees were still assessed each month. I noticed late fees in XX/XX/2020. I asked why late fees when I had been making minimal payments, which were approved. I was told even though they accepted minimum payment, I still had past due which will incur a late fee each month. No waiving of late fees could be approved. I changed the payment amount to {$150.00} per month and still incurred late payment fees of {$40.00} a month. At this time, I have over {$400.00} in late fees even though I have made a payment each month. So frustrating! COVID hit my family hard. I tried to keep my card afloat to replace my score from dumping and this company screwed me.
Consumer complaint received 2021-05-31
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: JPMORGAN CHASE & CO. (IL)

JPMCB CARD added new hard inquery and lower my score by three points, I didnt do this hard inquery, i was shopping at a XXXX and they always say get XXXX XXXX off if you get to apply for their credit card, for me i look at it as if someone at the mall get discount if you get approaved but JPMCB CARD which i never read there name becuase i was at XXXX, immediately missed my credit score with three points where at a XXXX the result was wait a week or more so i never asked or allow this JPMCB CARD to publish on my credit report, I didnt apply or read the credit card name. 
you can try to shop at XXXX and see how your shopping card comes out XXXX XXXX  less if you qualify for their credit card its like huge discount XXXX XXXX any body would click on it so why three credit score is down without giving the discount of XXXX XXXX 
its like they hunt not giving discounts
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (MA)

At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$2400.00}
Consumer complaint received 2022-09-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

The Original debt was a Phone bill, that XXXX XXXX was not providing the services I was paying for so I closed the account. 
The Debt Collector has reported and updated on all three credit bureau 's multiple times in 1 month. 
I.C. Systems XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They reported the on XX/XX/2022, then again on XX/XX/2022, XX/XX/2022, and again on XX/XX/2022. 
I took 4 credit hits in the span of 3 weeks for the same debt.
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (MN)

Equifax these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX XXXX and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT Equifax no Im not happy I need to know who removed XXXX account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XXXX/XXXX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to Equifax credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) and Account # 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 a account without my written instructions
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Caddis Funding, LLC (NY)

A company based in North Carolina has contacted me about a XXXX XXXXXXXX XXXX account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with XXXX  XXXX XXXX, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves CADDIES FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX
Consumer complaint received 2021-05-31
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. (TN)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

I am in the COVID-19 Cares act forebearance program. I have tried 40 times to speak with someone at XXXX  about resuming payments. Can never speak to someone, only get answering machines. They have 5000 consumer financial protection other complaints about the exact same thing. I am working now and want to continue my payments, and pay the balance when I sell or refinance, XXXX  is not helping at all, and cant even speak with anyone. I WANT TO RESTART PAYMENTS. I NEED TO SPEAK WITH A HUMAN.
Consumer complaint received 2021-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit, Inc (AZ)

the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX MST  and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (VA)

from XX/XX/2020 till today XX/XX/2020 I have sat on the phone for hours waiting on someone from my mortgage company GREGORY FUNDINGt o tell me why they had not paid my county taxes that is included in my mortgage. Since XXXX XXXX they tell me every time that they will make sure it is paid. I call back several days later to checkon it and it has not been paid. THEY WERE DUE XXXX  I called today XX/XX/2020 and it still has not been paid. 
How do I get away from this company. They are very dis organized. I have never been late paying taxes. This is bad business!
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (GA)

Dear Discovercard I'm so disappointed with your services Until now, I can't use my credit card. 


Once again, I have a balance of almost 250 dollars but you're constantly declining my credit card even I cant get cash from it. 
Last week I tried to get cash using my pin in a XXXX  XXXX cashier but was declined You sent me a form with verification of my personal info, I'd already signed but it's so frustrating this situation.On last week. 

On XX/XX/XXXX I sent a pay from my XXXX  XXXX XXXX account to my discover card of XXXX dollars..but until now I cant use my discover card I'm going to send a demand to you using the CFPB today if you ASAP don't free my money to use it What frustrates
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CA)

XXXX refuses to refund entire amount stolen from me from use of counterfeit card. 
On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. 
From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.