davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (SC)

I am writing to express my deep frustration and dissatisfaction with the handling of my open accounts with your company. Despite numerous attempts on my part to rectify the situation, the issue of late open accounts persists, and I feel compelled to escalate this matter to ensure it receives the attention it deserves. 

Despite my repeated efforts to address this matter through various channels, including emails, phone calls, and in-person visits to your offices, there has been a lack of resolution. Each time I have reached out for assistance, I have been met with assurances that the issue would be promptly resolved, yet the problem persists. 

The consequences of these late open accounts have been detrimental to both my personal finances and my confidence in your company 's ability to fulfill its obligations. Not only have I incurred unnecessary fees and penalties, but the trust I once had in your organization has been severely eroded. 

As a valued customer, I believe I am entitled to timely and efficient service, which unfortunately has not been the case. Therefore, I am formally requesting the following actions be taken to rectify this situation : Immediate resolution of all outstanding late open accounts associated with my account.

Compensation for any financial losses incurred as a result of these delays.

Assurance that measures will be put in place to prevent similar issues from occurring in the future.

A formal apology for the inconvenience and frustration caused by this ongoing issue.

I expect a prompt response to this complaint and a clear plan of action for addressing the concerns raised. If necessary, I am prepared to escalate this matter further through legal channels to seek appropriate restitution.

I trust that you will treat this complaint with the seriousness it deserves and take swift action to resolve the underlying issues. I am asking for your assisstance to correct the late open accounts in my credit file : 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 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

On XX/XX/XXXX I submitted a complaint against my mortgage servicing company, # XXXX. They had attempted to raise my mortgage payments by claiming that my escrow account was low. After several months, numerous calls, filing multiple complaints and supplying additional paperwork to confirm that I was not required to pay monthly escrow for taxes or homeowners insurance, they finally acknowledged their error and ensured me that it had been corrected. In XXXX I attempted to pay my property taxes and discovered that the company again had submitted a payment causing my escrow escrow account to show a negative balance of {$2800.00}. This action was taken by the company after having been told numerous times that I pay the taxes directly and they were not to submit any payments on my behalf. I am in the process of refinancing my loan to take advantage of the lower rates, because of their careless and negligent actions there is a possibility that the new mortgage will have to be higher in order to pay this debt. I am retired and on a fixed income, I have been paying my taxes on a quarterly basis and that is what I have budgeted at this time. They paid the total amount which now shows that I owe 2x the amount of money that had been budgeted for this expense. On XX/XX/XXXX I contacted their customer service and spoke to an individual named XXXX XXXX. He identified himself as a supervisor and stated that he would address the issue. I had not heard back from him after 1 week and sent an e-mail to an individual named XXXX XXXX in the Compliance Department. Ms XXXX initially did not even acknowledge receipt of the complaint and did not respond until I sent a follow-up e-mail. She then sent an e-mail saying only she was looking into it, there was no information about when actions would be taken to correct their error.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

When Chase rolled out the Freedom Flex credit card, I called in customer care and asked for the difference between the XXXX cards as Freedom information is no longer published on the website. The representative told me nothing but a simple XXXX to XXXX XXXX transition. With this information I started using my Chase Freedom for restaurant purchase as Freedom Flex offered XXXX reward for that category. I checked my XX/XX/2022 statement and noticed I was not getting the bonus rewards. I called in customer care multiple times and was told Freedom does not qualify for the XXXX reward. I asked for a supervisor and the line got disconnected multiple times. I was misled by Chase as they remove Freedom card information online despite it being an active card and was told by their own people that terms are the same as Freedom Flex shows that Chase is misleading consumers.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (PA)

XXXX  XXXX  and Frontline Asset are both contacting me regarding a debt that i di not owe. They have yet to show proof of my actually signature just a bill that supposedly is mine. In addition they sent me a bill with an address from New york never lived or was a resident of new york then a year later it shows a bill dated to my address. total incorrect, i believe this was identity fraud. i have sent numerous of certified letters stating that its not my debt and they have the wrong person. They have affected my credit report in addition this was on my credit before and then it was removed due to inaccuracies. They are looking for someone to pay this debt that is why they are bouncing it around to other collectors trying to make money off of me. I do not have a contract with them nor did i sign anything with my legit signature. they are not layers so the need to remove it and stop harassing me.
Consumer complaint received 2017-09-20
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. (IN)

Equifax Credit Report has two jobs on my report I did n't work at. My father work those jobs. I am too young to work them. There is a XXXX in my name and not in his. We are named the same beside that.The jobs are ... .XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation (TX)

XX/XX/year> - After discussing the debt in question with a company representative, I was threatened by the person on the phone that they would ruin my credit score if I didn't pay the debt. I told them to go ahead and do it, and to also give me a copy of it in writing because I know I have a year to pay a medical bill back. It hasn't even been 4 months since the date of service on the bill. Obviously this was a threat. 

XX/XX/year> - Talked with XXXX about the debt. No negotiable amount was agreed upon. 

XX/XX/year> - Talked with XXXX about the debt. No negotiable amount was agreed upon. 

XX/XX/year> - 1st phone call - I talked with XXXX on the phone and we agreed on a negotiated amount of {$1100.00}. She then told me that she couldn't give me in writing the negotiated amount prior to me paying the bill. She also told me that I had to pay the amount today electronically. She sited that she wasn't allowed to give it to me in writing due to " credit bartering ''. I told her I would call her back later today. 

XX/XX/year> - 2nd phone call - I talked with XXXX again. I asked what was the difference between " credit bartering '' in writing and what she was doing verbally over the phone? I didn't get a real answer. She then seemed to be more in tuned to work out payment by giving me a letter prior to payment. When she started to read the letter that she was going to deliver, I interrupted her and said that I was not going to pay electronically and wanted to mail a money order instead. She stated that I could not mail payment and it had to be electronically. I then hung up the phone.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Consumer complaint received 2023-01-18
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. (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, Inquiry Date : XX/XX/21 XXXX XXXX, Inquiry Date : XX/XX/21 XXXX, Inquiry Date : XX/XX/21 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Equifax ) permission to furnish this information on my credit report. This is a violation of the

Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I also demand you. ( Equifax ) to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is a follow : XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-03-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and correct for erroneous reporting in my file and are listed on my credit report 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 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I have received 3 letters via US mail from Transworld Systems Inc. requesting payment of {$60.00}. First statement XX/XX/21, second statement XX/XX/21 ( sorry this was tossed so I don't have exact date ), third statement XX/XX/21. 

The debtee listed is my doctor 's office, I called my dr office on XX/XX/21, XX/XX/21 and XX/XX/21 and they have no record of this debt. 

I spoke with TSI on XX/XX/21 and they have no record of this debt and said the referenced account number is not theirs. 

I filed a complaint with MA Attorney General 's office on XX/XX/21. 

I did a reverse lookup of the client phone number listed and this belongs to a MA resident. 

Interestingly, the po box listed is in lowercase, which seems unprofessional. 

Unfortunately, with the second notice my husband paid the bill, not realizing I was pursuing the legitimacy of the letter.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Previous learning that EQUIFAX SELF ADMITTING TO SENDING OUT FAKE REPORTS IS FIRST OFF MIND BLOWING. FURTHER INVESTIGATION INTO MY CONSUMER REPORT IVE NOTICED I HAVE BEEN AFFECTED TREMENDOUSLY BY THESE COMMENTS in pursuant of 15 U.S. Code 1681 - Congressional findings and statement of purpose Under 1691. ( 3 ) equifax assumed a role without my consent 1681. ( 4 ) reads There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX HAS NOT EXERCISED THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, NOR WITH RESPECT TO MY PRIVACY. 
( FACT ) NEVER GAVE PERMISSIBLE PURPOSSES UNDER 15 U.S CODE 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

ALSO XXXX XXXX XXXX XXXX XXXX IS REPORTING TO MY ACCOUNT TWO DIFFERENT WAYS ONE IS POSTIVE FOR ALL PAYMENTS MADE WHERE THE OTHER READS LATE ON ALL THE PAYMENTS CAN YOU REMOVE PLEASE
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

I sent I C SYSTEM this document certified mail and I C SYSTEM did not send the requested documents asked for in the validation request I mailed. I C SYSTEM sent me a document that was typed out on a plain piece of paper with I C SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe I C SYSTEM. Anyone create anything from a plain piece of paper. I know my rights as a consumer! I C SYSTEM is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for I C SYSTEM has violated FDCPA laws!
Consumer complaint received 2023-01-12
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. (CA)

I reviewed my XXXX XXXX and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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. (GA)

On XX/XX/21, I requested my credit report and complete credit file from EQUIFAX. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. EQUIFAX has refused to send me upon request my complete credit file.
Consumer complaint received 2021-09-22
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. (NC)

I recently checked my credit bureau scores and realized that Equifax was reporting my XXXX mortgage as Closed, has not reported since XX/XX/15, and was included in my bankruptcy. This is not correct and is having a severe effect on my scores and my ability to possibly refinance my home loan. 

I have attached a screenshot of the three bureaus. As you can see, XXXX and XXXX are reporting correctly.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX received e-mail, stating that my credit card was closed due to improper use. To review this press the word review. I did and they ask for identification, social security number, picture of my driver license and my mother maiden name. The sight looked official, plus I use fingerprint I.D . to open my e-mail. So I then call the credit card company. Locked my card as suggested. Called my bank as suggested, they locked that account-said to be vigilant. Suggested to call Social security, they put an alert on my account, suggested I call local police. I did and they suggested to report the fraud to this sight.
Consumer complaint received 2018-07-21
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: AMERICAN EXPRESS COMPANY (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2022-08-12
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. (AK)

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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