davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is a direct dispute with Transunion. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XXXX XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XXXX XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on the XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Transunion has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XXXX XXXX. I 'm not going to keep going back and forth with Transunion, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Consumer complaint received 2024-09-06
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

the attached letter was sent to Equifax but all XXXX credit bureaus are reporting XXXX digit mortgage account numbers for my mortgage loans and student loans that have been discharged and forgiven since per letters to that effect which my attorney has fro mthe us dept of education and all the loan servicers. 

XXXX now is retaliating by not applying my payments that they hold on to now allegedly for two weeks in order to allegedly get late fees and manufacture defaults like XXXX and other sewer service XXXX trust servicers. 

so the new York attorney general announced that all XXXX credit bureaus have agreed to get rid of false information that they are being paid to maintain by XXXX and XXXX for loans I never applied for and have no loan docs for and no settlement docs for and the y both violate the national mortgage settlements with us do justice. 

please see attached letter to Equifax from my attorney XXXX XXXX regarding XXXX that i have filed now XXXX complaints against with the uscfpb. 
Your submission, [ Case number : XXXX ]
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

While applying for a home loan my wife and I noticed a Capital One XXXX XXXX card on her credit. We do not have this card and do not shop there. It has a {$88.00} balance and $ XXXX payment but we did not open this card.
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ARS National Services, Inc. (IN)

A. 
AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Tonight, I noticed unfamiliar inquiries on my credit report, and I have no idea why they're there. I checked my report as usual, but this time there were discrepancies that appeared out of nowhere. I tried refreshing the page, thinking it might be a technical issue, but the unauthorized inquiries persisted. Im deeply concerned and ask that you carefully review the documents Ive submitted to ensure this problem is resolved for good.
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (RI)

I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (RI)

Ordered a XXXX XXXX XXXX XXXX smartphone from XXXX. I had to do this XXXX times because the first XXXX I purchased were either not as described ( opened box when item was sold as new/unopened box ) or blocked on my carrier ( seller financed phone and stopped payments ). The last of the XXXX phones that needed to be returned worked fine for a few days and then became blocked with my carrier ( seller non-payment ). It was shipped back as the previous ones were : I contacted XXXX, informed them that the phone was not as described, and they then approved and issued a return label to return the phone at their expense. The first XXXX returns were credited back to me. The final return was never credited. After 30+ days after the return, I attempted to contact XXXX but they make it extremely difficult, if not impossible to find their contact phone number or even send them an email. After XXXX mins after trying to find their contact info, I instead called my card issuer and disputed the item for failing to credit me for the return. Instead of XXXX responding to the chargeback, XXXX responded that the item was never returned and that it was as described. XXXX of course has never seen the item and had no idea of its condition, it was simply a defensive tactic they use the absolve themselves of accountability ( they probably paid the fraudulent seller and then got left holding the bag ). I responded to my card issuer explaining and providing documents indicating from XXXX 's own website that the item in question was returned. My card issuer, Chase, performed no investigation of any kind and simply took XXXX at their word. Despite all the evidence I provided, and XXXX having a complete accountability of the return, they refused to remove the charge. I finally found XXXX 's phone number and contacted them to ask why they never credited me back. The rep told me that the item was returned " late '' so there is no refund. XXXX only provided XXXX to return the item. Because the phone being returned contained all of my mobile data ( it worked for a few days before the carrier block took effect ), I had to procure a replacement phone and copy all of my data over before I could return the phone. Again, this was the seller 's fault as they knowingly sold me a phone they knew would be blocked at some point. So I explained this to the XXXX rep and he reiterated that they will be keeping the money and the seller will be keeping the phone, and I am due no refund. However, my card issuer is supposed to act as the fail-safe in this type of situation, and did not adhere to the XXXX. Perhaps they have a cozy relationship with XXXX or simply do n't care. The evidence I provided them was overwhelming and they did n't seem to review or follow-up on any of it. Additionally, you should be aware of issues like this where the consumer does business with XXXX but it is XXXX that responds to the billing dispute. This allows XXXX to be unaccountable and XXXX to play ignorance.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 

Chase bank credit card disclosure from their statement says the following- " To figure your periodic interest charges for each billing cycle when a monthly periodic rate ( s ) applies, we use the average daily balance method ( including new transactions ) ''. The statement then says- " Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until YOUR ACCOUNT IS PAID IN FULL. " My objection is the following : Chase says they use average daily balance in order to determine balance subject to interest. They then say interest is added until you account is paid in full. By using an average, once an account is paid in full, that means interest is no longer assessed. The average of any number with XXXX is XXXX.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (NY)

I canceled service with XXXX and had a {$220.00} credit balance on my account, when they refused to send me a refund check, so I called my bank and denied the charge, then a few days later I got a check in the mail from XXXX which I cashed and got my credit card company to drop the charge-back. However, now XXXX is charging me back for another {$220.00} and send this to a collection agency which is threatening to ruin my credit.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

RE : Ocwen Loan Servicing, LLCLoan : No. : XXXXDear Sir : I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over six years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. XXXX had previously serviced this loan. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information. 
I am a XXXX XXXX veteran who XXXX ( XXXX ) times to protect the rights of all and now my rights have been violated.
Consumer complaint received 2015-04-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.
Consumer complaint received 2016-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CO)

This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.
Consumer complaint received 2015-04-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX Prepaid card purchased by my company in XX/XX/XXXX and handed out to employees at a sales training event. Card has been in my possession since I received it. I did not attempt to the use card until XX/XX/XXXX. Merchant declined the card due to {$0.00} balance. Called AMEX and found out the card was used at a gas station in XXXX XX/XX/XXXX. I live in XXXX, XXXX and have never been to XXXX. AMEX tells me they can not do anything. They tried to give me the phone # of the merchant in XXXX which was unavailable.
Consumer complaint received 2016-01-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.