davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (MA)

I received a letter at my place of work from Linebarger Goggan Blair & Sampson , LLP located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. This " Notice of Delinquent Tolls and Fees '' claims I owe this legal firm monies on a debt they claim to be collecting on behalf of Mass DOT ( ~ {$80.00} ). ~ {$25.00} of this " dept '' is for " tolls '' and the other {$45.00} is for " fees for non-payment ''. I can wipe my XXXX with {$80.00} and not lose any sleep, I won't be paying these people anything for the following reasons ; Firstly, sending this letter to my place of employment is clearly rodent thuggery and a sign of inbreeding. This is unacceptable and is an act of terrorism/ intimidation. The harassment has to stop and I requested they take me to court. 

Secondly, this debt is predicated on a claim that someone took a picture of my license plate while I was driving on " their XXXX road. This is an invasion of my privacy and this firm has no right to monitor my location or activities. 

Thirdly, assuming this firm is legitimate they should have the capacity to mail the invoice to the location the vehicle is registered. They mailed the original invoice to an address I haven't lived at in XXXX years ... How am I supposed to pay a bill I don't know anything about? Why can't these inbreds check with the XXXX and mail the invoice to the location the vehicle is registered? How the XXXX are they this incompetent? They can figure out where I work to intimidate and harass me but they can't figure out where the vehicle is registered? 

Forth, the legal firm did not provide it's mailing address on the harassment letter. They provided no reasonable method to resolve the claim, only suggested I mail a letter while they continued to harass me, commit credit attacks against me, prevent me from renewing my registration and license ( further efforts at harassment and intimidation ), and accrue more " debt ''. 

Fifth, this entire process is so purposefully inept and ridiculous it has to be done with the intent to scam people and steal money. There is no way this process can be legal and the parties involved should be under federal investigation. Just look at where the money is going in this racket. This is by XXXX, they are being purposefully XXXX just to make an extra dollar running this scam. 

Finally, these inbred trash people need to contact the XXXX and mail me a check for my time TO THE ADDRESS THE VEHICLE IS REGISTERED. This is not the first time this has happened, there are multiple reviews online that tell the same story ( mailing bills to the wrong address and then refusing to resolve the issue ). When will the government take action? How many more people have to deal with this before something is done?
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (GA)

No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.

Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and

pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act XXXXXXXX of all accounts below 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 XXXX XXXXXXXX XX/XX/XXXX Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} Balance Updated XX/XX/XXXX Recent Payment {$2000.00} Monthly Payment XXXX  Original Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. Status Updated XX/XX/XXXX Original Balance {$11000.00}. Account Name XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XXXX XXXX. Status Updated XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (CA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-12-04
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (WY)

I applied for a mortgage assumption in XXXX of XXXX  after my divorce was finalized. I have yet to close ( or information even go to the underwriter that Im aware of ) yet. I was asked to provide several pieces of documentation in which I did within the week of being asked. This documentation was excessive and extremely detailed. I was set to close in XXXX, but then my pay stubs were expired? Then I was set to close in XXXX, but now my bank statement is expired? Now I can not reach anyone to help me with this matter after I have called 10 times and sent 10 emails over the last two weeks.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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. (FL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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 without my written instructions.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the Equifax Data Breach and the XXXX XXXX  Data Breach, which exposed all of my personal information as a XXXX resident. I'm XXXX XXXX XXXX and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2023 XXXX  XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 I have no account with the companies below, and the identity theft inquiries are as follows.
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (NE)

From Experian. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXXXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (RI)

I applied with this company for a refi and the appraisal process took very long because their XXXX made major mistakes. I initially received a commitment letter with just a couple of conditions which I was fine with sending. After the appraisal issue was resolved and I agreed to pay down the mortgage to meet their requirements I received another request for information that I couldn't provide without sending information I knew would not be accurate. There was no exchange or any additional documentation I gave them after the original request but they required information beyond the initial approval. Then they told me I would have to pay thousands in rate extension fees. I specifically told the originator NOT to extend my rate because rates had gone down. I wanted to let the rate expire and relock, not at the lower rate now available but at the same rate without the thousands in fees. I was told I could either pay the fees or my loan would be terminated. I simply asked they release the appraisal I had payed for to go to a different lender to avoid the fees or honor our original agreement and I would close at the higher rate. They refused both. I have been a XXXX for 23 years and have never seen this policy. It became evident it was a some type of " bait and switch '' based on a rate they never intended to honor. This is clearly a company praying on consumers who really know no better than to be baited in by their iitail quote but then pay the fees they require or they will terminate the process. I simply asked to have them release the appraisal and I would move on but they refused. Companies like this are a detriment to our industry and cause consumers harm. How many people agree to pay their additional fees that are not disclosed because they do not have the knowledge I do with my industry experience. If they simply allowed me to take my appraisal to another lender or honor the current higher than market rate I would have moved forward. In my opinion these internet based companies are a detriment to honest lending.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a capital one venture XXXX  card in XXXX XXXX the card offers a XXXX bonus mile promotion for spend in the first few months on the card and also offers the ability to convert miles to loyalty currency at several capital one partners. 

Once I established my account, I tried to go into the part of the online portal to link my other loyalty accounts in preparation for using the convert miles feature. When I tried to access that part of the site, I received a XXXX two-factor auth challenge asking me to verify my phone number. I entered my phone number, and it said the number could not be found. 

After XXXX phone calls to Capital One to try and solve this issue, I'm still not able to access this part of the site. The last XXXX representatives I spoke with said this is a security challenge working as designed and could give no information on when or if I would ever receive access to this feature. 

The phone number is mine, and has been for over 10 years. It's the same number used on the application and at login for authentication. there are no other verification options available to access this part of the portal. 

This bonus and conversion feature are why I signed up for the card. and capital one has not provided me any justification for why I would not be able to access this part of the site. I have a time sensitive purchase to make using this, and I'm not able to use it. It's effectively deceptive advertising to provide no explanation and no alternative for why I can't access this part of the portal.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (FL)

This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have XXXX XXXX XXXX remove this off all credit reports
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

THIS COMPANY ISN'T REPORTING THE CORRECT OPENING DATE, THE HIGH CREDIT LIMIT ISN'T REPORT FROM EQUIFAX XXXX}, THE LAST REPORTING DATE IS INCORRECT IT SHOULD BE XX/XX/XXXX, ALSO IS HAS A COMMENT THAT STARTING THE HIGH CREDIT LIMIT WHICH HURTS MY SCORE, THE LAST DATE ACTIVE IS INCORRECT XX/XX/XXXX, DATE OF LAST PAYMENT SHOULD SAY XX/XX/XXXX. 

ALSO MISSING REPORTING DATES ON XX/XX/XXXX & XX/XX/XXXX. 


PLEASE SEE ATTACHMENT
Consumer complaint received 2024-04-19
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-15
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

My card was falsely charged excessive baggage fees on or about XX/XX/year>. Upon noticing this discrepancy, I immediately contacted CHASE customer service department to inquire about the details of the charge. However, I was informe, they were unable to provide me with specific information or verification regarding the transaction in question. This lack of clear information has left me puzzled and concerned about the legitimacy of the charge. SINCE this occurrence I have been back and forth with multiple representatives which have been ill informed or plain disrespectful and without regard to my time or patronage. 

As a responsible credit card holder, I understand the importance of verifying all charges on my statement to ensure that my account is secure and free from unauthorized transactions. Without proper verification and clarification from your end, it is challenging for me to accept this charge as valid. 
I kindly request your assistance in investigating this disputed charge further and providing me with detailed information or verification to help me understand its origin. It is crucial for me to resolve this matter promptly to safeguard the integrity of my account and prevent any potential fraudulent activities. 
In conclusion, I urge you to prioritize resolving this dispute by providing me with the necessary information and verification regarding the questionable charge. Your cooperation in this matter is greatly appreciated, and I look forward to a prompt resolution. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Credit Cards I have a Quicksilver and a XXXX card with this company and at times when i balance and check my card activity, i am owing more than what my balance says and this is going by there website, for example i will owe an extra {$30.00} and this has happen sporadically, so i will just adjust my balance to capitals figure and go on. I suspect some wrongdoing on their part but am not sure how to prove it. Another instance in XXXX was when i deposit a XXXX check and my account should have been {$20.00}, but it showed {$22.00}, so yes i had a credit of XXXX but there was no reason given. I would like to know if i am the only one having these issues and if the is a pending lawsuit against XXXX, i would be interested in joining.