davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
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. (GA)

I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OFXX/XX/XXXX ANDXX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NY)

I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..
Consumer complaint received 2018-03-27
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. (NY)

Equifax merged my account with another woman, with the same first name- different last name. She's considerably older than myself and lives in a different part of the country. 

I contacted them, they acted like it was no big deal and that they would remove her records from my account. However, two years later they are still selling my information to her collectors. They get my personal address and my phone number and harass me. Her bad credit has also effected my credit score.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an existing/active Capital One Credit Card ; however, I noticed I have a debt collection on a previous Capital One credit card account. I would like such account to be closed and clear up my name. I made several attempts to dispute it in the past. Unfortunately, it is still there.
Consumer complaint received 2024-10-28
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-03-27
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. (NV)

XXXX is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
Consumer complaint received 2018-03-27
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (VA)

I pulled my credit report, and discovered that late payments were reported for XXXX, XXXX, and XX/XX/XXXX for my account. 

During that time, I was on an around the worldwide XXXX. I wouldnt dare purposely be irresponsible with this account. For some reason, I setup automatic payments, but did not have sufficient funds in the account when it processed. 

The men and women in the armed forces deserve the absolute best financial products on the market. These products should be simple, transparent and offer excellent customer service and an understanding about our difficulties that ensue during XXXX. I sent Chase a goodwill letter explaining my situational and they responded in a very unreasonable manner. XXXX members face unforeseen circumstances daily. We can not plan for everything that happens. 

I believe Chase failed to research my situation and complaint. Everything is not black and white. Although they have a program that allows reduced interest rates during XXXX, they fail to advertise that to servicemembers. When they found out I was XXXX, they could have made consideration for the late payments retroactively. 

My circumstances should be considered and their XXXX policy and advertisement needs to be revamped. They should be here to support not hurt the military.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Missing funds from Jpmc workers having closed an account without fully returning my funds. There is still money missing. Branch worker XXXX XXXX refused to answer questions that were asked which I requested to be mailed to me. Another branch Worker XXXX XXXX   was handling the missing funds then, irresponsibly just ignored the emails, causing unnecessary deposit fees when I questioned XXXX   whether my {$370.00} could be deposited or? I went to her coworker XXXX, so, I let XXXX off to not need to respond anymore, but I can not keep allowing all these such workers at XXXX XXXX XXXX   branch replacing another worker then, when the concerns get too inconvenient or complex, these workers abandon its duties to their employer 's clients, leaving the concerns unresolved to completion. These workers are not doing their job. They are being irresponsible by either pushing it to other coworkers or ignoring handling it to completion. The concerns are left in the middle of being handled, begun, never finished. So, Jpmc just allows its workers to leave stuff not completed by ignoring to service whatever its job it is supposed to do? I still need Jpmc to take care of the 2 concerns, one with my missing funds and the other that XXXX XXXX made the mistakes with the Retirement Services concerning an IRA distribution since 2017, over 1 year ago already!

Retirement services Worker XXXX XXXX  told me the distribution requests could not be processed with me having instructed him to handle it as the original instructions, he told me it could not be handled, which was being handled by XXXX XXXX, why all these differing explanations? Jpmc RS XXXX XXXX  arranged for whatever RS specialist to contact me at an arranged time, which they did not keep her promise to me that whatever RS worker would call after all the time arranging. Jpmc asked how satisfied I am? Who would be satisfied with such Chase workers ' lousy mistakes with no services that get mostly nothing done right? Kindly what to do resolve these messes done by Jpmc workers? Jpmc needs to have the concerns handled immediately as the Ira funds must be corrected prior to XX/XX/XXXX, it has taken Jpmc workers too long, these workers delayed it unnecessarily, never doing their jobs in any timely manners. It needs over a year to process 1 simple request?
Consumer complaint received 2018-03-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST AMERICAN FINANCIAL CORPORATION (UT)

My husband and I have received a tax notice from the XXXX County Office on XX/XX/XXXX. The notice advised us of the delinquent tax lien on the property in the amount of {$1100.00}. The notice advised that if we do not cure the delinquency by XX/XX/XXXX the property will be sent for a title search which will add {$350.00} to the amount already owed. The notice also states the property is marked to be on the XX/XX/XXXX XXXX County Tax Sale on XX/XX/XXXX. 
I have gone to the XXXX County office and discussed this matter with both the County Clerk and County Treasure. The clerk has advised me these delinquent taxes are due to taxes owed in XX/XX/XXXX ; however, my husband and I purchased the property in XX/XX/XXXX. 3 years later! The delinquent taxes are owed by the previous buyer. We advised both the clerk and the treasure of this matter. They have advised me the delinquent taxes should have shown up on the title report presented at closing, therefore my husband and I are responsible for these costs. We were advised the title was CLEAR by the title company at closing ; however, this seems to remain untrue. This is a clearly violation of our Title Insurance Policy!!!!! If you look under the Covered Risks in your insurance agreement it clearly states under section 8. Someone else has a lien on Your Title, including a : LIEN OF REAL ESTATE TAXES OR ASSESSMENTS IMPOSED ON YOUR TITLE BY A GOVERNMENT AUTHORITY THAT ARE DUE OR PAYABLE, BUT UNPAID. The city of XXXX has a tax lien on the property that we were unaware of! 
Please accept this as a formal claim. According to the documents we signed at closing we were promised and have the rights to a clear title. I do not know what the discrepancy is here whether it is with title company or the county but my husband and I do not and should not have to pay for these delinquent taxes. This is an urgent matter as we are about to be homeless by a discrepancy that we were unaware of. We demand some kind of legal action to take place. Please fix this matter as soon as possible. My husband and I are willing to provide you with whatever is necessary. We should not lose our house due to a mistake made by the county or title company. Thank you for taking the time to research this.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

I have received a 45 day notice of foreclosure form SLS. According to SLS, I have missed payments. SLS has not been sending me monthly statements. I was under the impression that my mortgage was being paid on time every month. SLS tells me that because of Chapter XXXX bankruptcy they have not been sending me any correspondences regarding my account. If this is the reason then why add late payments and Corporate Recovery Advance fees and a 45 day notice of foreclosure. 
Last year, my mortgage was transferred form XXXX XXXX to SLS. My very first payment had been applied to someone else 's account. I find this out after SLS sent me a 45 day notice of foreclosure and having to prove to them that I had paid the bill. 
My current situation is that I have been sent another 45 day notice of foreclosure. I have been paying {$850.00} every month on time. After calling SLS concerning this, I have talked to several different customer service representatives. One of them tells me that the account has been delinquent since XX/XX/XXXX because escrow went up, another one tells me that the account has been delinquent since XX/XX/XXXX because the escrow was short. Either way late fees have been accumulated nobody is able to tell me when the late fees started or how much the late fees are and why I was not notified of any of this. I believe this is a predatory practice. SLS has not sent me any correspondences regarding escrow or monthly payments. They wait until the account is so far passed due that I can't afford to pay it so that they can take my house. This seems to me to be a predatory practice. After all this time, they never let me know that the bill was late and that they were tackling on late fees and corporate recovery advances fees. If they had been sending out the statements and making me aware of what was going on with my account ; my account would be current as of today. According to SLS, my monthly payment is {$900.00} that is only a {$45.00} increase. It is a devastating to me that SLS is trying to force me into foreclosure with their predatory practices.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On or about, Thursday, XX/XX/XXXX, I placed an order for phone service with XXXX XXXX XXXX XXXX online, order number XXXX. I called the store that I selected to pick my order up from and was told that their system was running slow, and they would get to it shortly, once they received it. Shortly after I ended the phone call, I received an email from XXXX XXXX XXXX stating that they had a problem placing my order and to give them a call. I called and had a ton of issues so I just went into the store, and I was told that my social had a fraud alert and I need to call to verify my identity. I called and was told that they could not approve my account because I had too many discrepancies on my credit report. I was then referred to the Equifax Utilities Department. When I spoke with them, I was told that I had two discrepancies, my address and date of birth. I was told to send a copy of my drivers license and either a bill or my lease agreement so they could update my information, and the entire process would take 48 business hours. To confirm that I was thinking the same thing, I asked if I send it tomorrow, which would have been Friday, XX/XX/XXXX, it should be completed and updated by Tuesday, XX/XX/XXXX, and they said yes. On or about Friday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed over a copy of my drivers license and lease agreement to the fax number provided to me, along with a cover letter to explain the situation. When I called on Tuesday, XX/XX/XXXX, I was told that they did not have my paperwork and I had to resend it and it would take another 48 hours. On or bought Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed my information to them again. On or about Monday, XX/XX/XXXX, at approximately XXXX XXXX, I called again to get an update, in hope that my information was corrected on my credit report so that I may go purchase my new phones soon, but much to my surprise they still do not have my paperwork and I was told to resubmit my documents. This situation I find to be very distasteful and frustrating. I do not appreciate it as I am a combat veteran and I should not have to be treated this way by any business. This has caused me major inconvenience as I am still having to wait to get my phone service because they will not update my date of birth.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (UT)

XXXX XXXX is trying to collect a debt I do not owe. I only called XXXX XXXX to inquire about prices. They wanted to get into a contract and I did not want that, so I never signed up. Now they not only reporting a debt I do not owe ... they are double reporting. Diversified Consultant and XXXX XXXX XXXX are both reporting on my XXXX report for the same XXXX XXXX debt. This is clearly a violation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

I told XXXX, XXXX, and Equifax to investigate these accounts XXXX XXXX  account # XXXX, and XXXX XXXX account # XXXX. However, they stated everything was accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC1681 1i ( 5 ), the are supposed to modify accounts that isn't responding correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following terms of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CT)

This account first showed as a collections account on my credit report.I never had any relationship and/or correspondence with this company prior to it showing up on my credit report and I have yet to receive anything from them. I disputed the account and now it is showing as " closed '' on my credit report. I have no contract with this company and I am requesting that it be removed from my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see Equifax XXXX, XXXX account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Consumer complaint received 2018-03-27
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. (FL)

Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
Consumer complaint received 2018-03-27
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)

On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.