davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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. (AR)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-07-08
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. (SC)

Been dealing with this issue since XX/XX/2022 with Equifax of a file mixed up. Even after the dispute, police report, phone calls, Equifax is still addressing me by the wrong person and wrong poor credit score affecting me greatly. Even after sending in personal documents showing that its me. Which also proves you cant even trust to do that. This other person they have me mixed up with gets to reap the benefits of my once excellent credit score while I get the short end of the stick. Not only is this extremely scary to know this other person can see all of my personal information address social ect, they are able to get loans and credit cards off of my credit. I constantly receive this person mail of credit card offers while I was denied a car loan and missed out on getting my car due to this which I went all the way to another state to get, which is how I found out equifax made this huge mistake. The other credit bureaus display my correct credit score and information while equifax doesn't and wont change. Its displaying a poor credit score of XXXX I dont understand how this company can still operate dealing with peoples Personal information and life while making a huge mistake such as a file mixed up and nothing is being done. I must constantly send in my private information such as ID card and social security card to a company that receives it and still doesnt even acknowledge the wrong to fix it! This is absurd, terrifying and stressful.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid 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: DISCOVER BANK (IL)

I was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX  for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.
Consumer complaint received 2022-07-08
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. (TN)

A XXXX Bank credit card account is still being reported as XXXX days late with XXXX, and Equifax. The account was previously reported 90 days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX  days late with XXXX ) on XX/XX/XXXX of XXXX  ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX  days late with XXXX, and Equifax, and should not be.
Consumer complaint received 2022-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ME)

I am submitting this complaint due to Freedom Mortgage Company refusing to do another escrow analysis on our account. Our home is a new build and for the first year our property taxes were " estimated '' which I understand is normal. We were paying about {$600.00} XXXX a month to escrow. Once the town of XXXX sent me the tax bill, I sent it to Freedom Mortgage to be paid. On XX/XX/XXXX, I noticed a message from Freedom Mortgage stating that after the taxes in the amount of {$3400.00} were paid to The Town of XXXX, we had a shortage in our escrow account of {$4100.00}. They stated that due to this shortage, an additional {$340.00} would be added to our monthly payment making our monthly payment {$2400.00} effective XX/XX/2022. At the time we had {$8100.00} in our escrow account. If we had {$8100.00} in our account and our taxes are {$3400.00}, insurance is {$710.00} and we are only required to keep 2 times our *correct* monthly escrow payment in escrow ( which equals roughly {$4800.00} for the year ), how on earth can we have a shortage? That was a red flag to me so I called Freedom Mortgage and requested an escrow analysis to be done. An escrow analysis was done and the monthly payment was adjusted accordingly and a surplus check in the amount of {$1900.00} was sent to us. We do appreciate that our monthly payment was adjusted accordingly but we would like to have the correct and full amount of surplus sent back to us. It states right in the escrow analysis that Freedom Mortgage performed that " Federal Law requires that any surplus of {$50.00} or greater must be returned to you within 30 days from the date of analysis. '' Yes, Freedom Mortgage did return SOME of the surplus but it was not the full amount and that is why I am requesting another analysis to be conducted. Currently, as of XX/XX/2022 we have {$6100.00} in our escrow account. Again, we are only required to keep roughly {$4800.00} in escrow to cover insurance, taxes and the escrow " cushion. '' And the taxes are not due until XXXX XX/XX/2022 so we still have 4 more months of payments to make before taxes will be paid which will result in even more of a surplus. Currently it looks like we have a surplus of roughly {$1300.00}. I have contacted Freedom Mortgage numerous times to try to get this sorted out and every single time I get a different answer. The last time I called which was on Friday, XX/XX/XXXX I was told that another escrow analysis request would be submitted. I called again on Monday, XX/XX/XXXX only to find out that no request was submitted. The customer service representative did tell me that she does see that we have a surplus in the account but the team that conducts the escrow analysis refuses to do another analysis until XX/XX/2022 as XXXX was already conducted in early XXXX and they do not see a reason to do another. I have received such horrible customer service from this company and I can not believe that a mortgage company would refuse to look into their mistake.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A XXXX Bank credit card account is still being reported as XXXX  days late with TransUnion, and XXXX. The account was previously reported XXXX days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX days late with XXXX ) on XX/XX/XXXX of XXXX ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX days late with Transunion, and XXXX, and should not be.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I have an extended fraud alert on my experian credit report that I have tried to remove to no avail. ( The other XXXX agencies had no problem removing over the phone ). Experian does not take phone calls which seems outrageous. I mailed a request over XXXX  days ago as they require, and I have received no response nor do I know where I am in the process. Additionally, their system to upload the required documents ( which seems like it MAY be faster ) has been temporarily unavailable for over XXXX weeks with no alternative available but the postal service. This is impeding me from getting needed credit to make home repairs.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation (ID)

I am dealing with this debt collector named " Merchants credit ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. 
So I called and asked if there is anything to do to remove this unknown debt from my report and the agent was very rude. He did not want to help with anything so I decided to report them here. I also asked for a supervisor to talk to but the representative cut me off the phone. This is very rude.
Consumer complaint received 2021-12-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (CA)

loan was forbearance since pandemic started, when my forbearance ended I contacted Shellpoint for whats the next step. We agreed that they will add amount I didnt pay back of the loan and start my new payment XX/XX/2021. They advise me to wait all documents they will mail to me once I receive them I should sign and notarized, mail bank to them and start first payment XX/XX/2021. I did all those things as they instructed me to do so. 
All the sudden I got Alert from XXXX indicating that shellpoint reported late payments in my credit report. 
I have been calling and emailing to shellpoint no one is willing to help me. 
Thats why I am doing this complaint.
Consumer complaint received 2024-11-04
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. (GA)

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that I am a victim of XXXX XXXX  and to report TransUnions failure to comply with Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws protecting XXXX  survivors. Under the FCRA, specifically Section 605 ( c ), credit reporting agencies are legally required to block adverse credit information that resulted from XXXX  within four business days of receiving a victims request. I have provided TransUnion with all required documentation, including proof of my status as a victim and an official report verifying my victimization. Despite fulfilling my obligations under the FCRA, TransUnion has not complied with its legal duty to block the adverse credit information related to this matter. Furthermore, I bring to your attention the Justice for Victims of XXXX  Act of 2015 ( JVTA ) [ 18 U.S.C. 1591 and 22 U.S.C. 7102 ], which defines severe forms of XXXX  in persons, including XXXX XXXX, and ensures the protection and restitution rights of XXXX  survivors. These laws emphasize that XXXX  survivors should not be further victimized through adverse actions that impact their financial standing, including the mishandling of credit report disputes. Additionally, the XXXX  Victims Protection Act ( TVPA ) and its subsequent reauthorizations highlight the federal mandate to provide restitution and safeguard the rights of victims of XXXX XXXX  and XXXX XXXX. FCRA Section 605 ( c ) was specifically amended to provide victims with the right to have adverse credit information removed when it is a direct result of XXXX. TransUnions failure to follow these mandates and disregard for the protections afforded to XXXX  survivors under federal law is unacceptable. This non-compliance has caused me undue distress and further compounded the harm I have already suffered. I demand that the CFPB take immediate action to ensure TransUnions adherence to the FCRA, JVTA, and TVPA. All adverse information related to this matter must be permanently blocked and removed from my credit report without further delay. I also request an investigation into XXXX unlawful handling of my case and for the CFPB to impose the necessary penalties to prevent such violations from occurring in the future. I expect a prompt response and intervention. Please confirm receipt of this complaint and advise on the next steps to resolve this matter. Thank you for your attention to this issue and for safeguarding the rights of XXXX  survivors.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

US DEPT OF EDXXXX ACCOUNT XXXX XXXX XXXX TRANSUNION The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

XXXX and TranUnion is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and 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. I did not authorize creditor nor Credit Reporting agency written permission to report my personal information.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been contacted several times by this company claiming I have a debt that is owed to them in a card that was stolen and was eventually supposedly resolved by XXXX XXXX. When I explained this to the debt collector he then proceeded to use foul language with me calling me slurs and telling me it was my debt and did not offer a solution since clearly this collection was not supposed to happen as I was promised. This is all being handled in professionally.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (MD)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. REGIONAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ; XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (SC)

XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). 

XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. 

XXXX - collection REMOVED from all credit reports. 
during this time and XXXX collection account was placed back on all reports. 

XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

AFFIDAVIT OF DENIAL I, XXXX XXXX, Pursuant to 28 U.S.C. 1746, hereby declare as follows : I deny the debt alleged by XXXX XXXX XXXX  on account # XXXX in the amount of {$13000.00} is mine, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount alleged by XXXX XXXX XXXX  is the correct amount and if the amount is correct, I deny the charges were fair and reasonable. I declare under penalty of perjury that the information provided in the the document described is true and correct to the best of my knowledge. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I activated a credit card offer with my Freedom Flex card from JP Morgan Chase and never received the advertised credit. I followed all instruction, activated the offer beforehand, and made a significant purchase believing I'd receive credit back. The exact language of the offer was that purchases made with this merchant would receive 10 % back as credit to my account balance, up to XXXX dollars. From my purchase, I should have received {$33.00} back as my purchase was for XXXX. I've been on and off the phone almost every other week since mid XXXX and it is now XXXX. 

Chase has refused to provide me the credit and hasn't honored their promises to follow up via phone call or even come to any resolution at this point. At first, they asked for a receipt and screenshots of the offer. I provided them this information and then their story changed to " we can't see offer details at all on our side ''. If they can't see these offers, why are sending them to customers and then not honoring them. 


Transaction Date : XX/XX/XXXX ; Posted : XX/XX/XXXX Phone Calls ( XXXX have missed a few in XXXX ) XXXX ( roughly ) : First attempt and they told me to wait XXXX business days XX/XX/XXXX or XX/XX/XXXX : I called and they told me they would fix it. 
XXXX : Received a letter saying no. I called back and they told me it was submitted wrong on their end. 
XXXX : I called again and a representative told me all previous representatives had filed everything incorrectly and would create a new case on my behalf and to give them XXXX business days. I was told I'd receive a call back. 
XXXX : After no updates, I called in. The representative told me they would need proof of the offer. They told me to send it in via secure message which I did following the phone call as I'd screenshotted it and also supplied the receipt. 
XXXX : I received an email saying they couldn't complete the request. I once again called in, and had the rep link the secure message to my case. They told me XXXX business days and they would call me & send a letter. 
XX/XX/XXXX : I called again after no updates following XXXX business days. I was told the case was denied, but they would reopen it again. The rep assured me I would get a personal phone call within XXXX business days. 
XXXX : After still no response, I called Chase today. The rep told me the case is still pending on their end, and nobody has looked at it yet. He also stated it's the same team that denied it earlier that was to look at it.