davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (VA)

Per FCRA guidelines, I mailed XXXX XXXX and Transunion the FTC affidavit of identity theft, police report of identity theft, copy of drivers license and a letter identifying the debts opened due to fraud, requesting these accounts be blocked from all credit reports within four business days after receiving my request, per the FCRA : " credit reporting company must block that information from your credit report ''. 

XXXX XXXX XXXX have followed FCRA guidelines and updated my reports within 4 days of receipt of the above information. 

My complaint is with Transunion, they've failed to block the debts incurred by identity theft. I called and spoke with them because I kept receiving errors trying to pull my updated reports to verify these debts were blocked, while speaking to them they confirmed they received my mailed documentation and that they would not be blocking the debts since they treated my correspondence as a dispute. I explained to the agent this is not a dispute, I followed FCRA guidelines by submitting the documentation to have all debts blocked, they responded that they had 30 days to make any updates.

I feel Transunion is discriminating against me due to my gender and race while violating FCRA I request they block said debts asap as the other two reporting agencies have done.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (NV)

l am not liable for this debt with XXXX XXXX XXXX I do not have a contract with VANCE AND HUFFMAN LLC They need to provide a contract that I have signed with XXXX XXXX because there is no said contract. If they are unable to provide a signed contract then I need to have this account removed from my credit report immediately.
Consumer complaint received 2024-05-07
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. (TN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

XXXX loan repayment recently resumed. I made my first payment to Nelnet on XX/XX/2023. I paid the minimum amount on most loans and added a little extra to my loan with the highest interest rate. 

As of today, two weeks since my payment, the money has not been withdrawn from my bank. I called to see if they had any record of it or issues and my bank said they do not see the payment.

However, the day I paid Nelnet sent me a confirmation email with details about the payment. Their website now says I have a past due balance, shows no payments have been made in my payment history. After spending hours a day on hold ( while at work ) I cant get in touch with anyone from Nelnet to explain the situation.

I am concerned this missed payment is affecting my credit score and that more intense is accruing.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

I have received repeated phone calls from midland credit management while being at work also at home during a time of prayer, midland credit management have threatened to sue and bring defamation towards my character. 

I have not given consent to midland credit management to have my non public personal information. 

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to Midland Credit Management, Midland Credit Management may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer. ( SEE ATTACHMENT )
Consumer complaint received 2023-09-21
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (IL)

I had an account with XXXX XXXX that was closed in XXXX. The account was charged off - the Financial Institution labeled the reason as " ACCOUNT ABUSE '' when in fact it was not. The negative balance occurred because I was laid off and out of work due to Covid. The balance when charged off was {$160.00}. I paid the account IN FULL within less than two weeks. The bank reversed the fees due to the nature of the scenario - however they never edited the label from account abuse. I disputed this account with Early Warning Services and they refused to research. The onus of responsibility should not be on a consumer to prove that they DID NOT prove a crime. In America you are innocent until proven guilty - if XXXX XXXX is claiming that my account was close due to account abuse they need to produce the instruments and documents that prove this. They won't be able to do that because there was no account abuse. The negative balance would have been covered right away had I not been laid off from work as a result of the Covid 19 pandemic.
Consumer complaint received 2019-05-03
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. (CA)

I have tried to submit disputes to Equifax, for the ones I have submitted successfully, I am unable to view the results because their website has been down for over 6 months. they are unable or unwilling to send me the copy of my dispute results.
Consumer complaint received 2024-05-16
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. (TX)

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 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/23, I was informed of a hard inquiry to my XXXX credit report by JPMCB. The following day, I received an adverse action letter stating that an application in my name had been declined. I called to report the application as fraudulent. They closed the application and stated that they would contact the credit bureaus to have the inquiry removed. There was another fraudulent application made in my name to JPMCB on XX/XX/23, however it was blocked by the freeze I placed with all 3 bureaus. I called to confirm they had contacted the bureaus to have the inquiry removed. The first representative stated that they did so at the time I reported the fraudulent application. I contacted XXXX to confirm, and they stated they had not received any notification from JPMCB. XXXX agreed to send me materials so I could dispute the inquiry myself. I called JPMCB back, and another representative stated that while their investigation definitively determined the application was fraudulent, it would be 30-90 days before they submitted documentation to the credit bureaus to remove the inquiry. They mentioned something about there needing to be subsequent fraudulent applications before they would contact the bureaus to remove the inquiry from XX/XX/23. They refused to provide me a letter stating the application was fraudulent, and that I would need to make a FACT Act request for the entire application in order to have the fraud documented in writing. They stated they would respond to the request in 1-2 weeks.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This account is being inaccurately reporting on my credit profile for some time now. This account was sold to a creditor by the name of XXXX XXXX XXXX XXXX XXXX in XXXX. I previously attempted to dispute the inaccuracies in XXXX of XXXX, XXXX of XXXX and XXXX. Instead of this account showing sold to a collector or charged off, it has continually been showing as an open account with late payments EVERY MONTH which has substantially affected my payment history and credit score across all XXXX of my credit reports. As recent as XXXX this account is still showing as OPEN and LATE with a balance which is incorrect information. This account was settled and paid in full with the the above creditor that it was sold to and has a XXXX balance and has been CLOSED as of XX/XX/XXXX. I overpaid on my settlement amount and was sent a refund and letter of overpayment which I will attach with this complaint. This account was still being reported as OPEN and LATE after the closure date listed above. Also furthermore Per my agreement with XXXX XXXX  and the arbitration clause any disputes that XXXX arise from either party would be handled by an arbitration and not my a court. This clause was violated when a request and judgment was submitted to the court in XXXX of XXXX. I also had previously contacted the company for a voluntary repression and the vehicle was never picked up nor was I contacted back by the company advising of this. The mechanical issues with the vehicle were NOT covered by the extended warranty that I purchased NOR were they covered by the manufacturers warranty as the company previously stated in their complaint response. There have been many discrepancies and inaccuracies with this company and many of its consumers including myself.
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

My mortgage was sold to RoundPoint this summer. After the transfer, on my mortgage account online I noticed the property tax information looked incorrect ( incorrect bill amount due ).

I sent two emails to RoundPoint per their online instructions to fix these minor tax issues on XX/XX/XXXX and XX/XX/XXXX, with the correct 2023 bill amount due and if they required me to send them a copy of the bill. I never heard back from RoundPoint at all. I also filled out their contact form on two other occasions. Never heard back from anyone. 

Now when I look at my online account the property tax information is completely missing. Before it was there ( parcel number, due date, amount due, etc. ). Now everything is completely missing regarding property tax. This is not the issue with hazard insurance. So when I see this, I have zero confidence that my property tax is even recognized by RoundPoint. It's missing from their database. 

Now my property tax is within 30 days of the XX/XX/XXXX due date. I have the money sitting there in my escrow account that I paid to RoundPoint. It's my money, they are receiving interest on, and it's not being used to pay my property tax bill. 

I can not contact anyone at RoundPoint to pay my tax bill. I WILL NOT have my name on the county delinquent tax list. I pride myself in having great credit and paying all my financial bills on time. I will not not have RoundPoint ruin my perfect record because of their company incompetence.
Consumer complaint received 2023-08-04
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-10-28
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: Radius Global Solutions LLC (TX)

I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im complaining because they havent showed my any documentation stating that this account is verified as accurate. The account called XXXX XXXX XXXX needs to be removed for inaccuracies meaning its a charge off reporting a balance thats one violation another violation is the reporting dates, the balances please have this From my account immediately Im trying to live a better life for me and my family
Consumer complaint received 2023-09-21
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, Upon the request for check of my credit report through your website, I want to clarify these issues. 
On the section of Fraud Alert, there is XXXX XXXX Alert issued on XX/XX/XXXX of XXXX ( XXXX  ). Since my birth year is XXXX and I am a XXXX XXXX, I need to ask you to investigate seriously why you added this alert in my credit report. Since another credit report company did same thing, I beseech you investigate and explain officially this part of report. 
On the section of My Equifax credit report, you mentioned that I have already received XXXX of XXXX free Equifax credit reports. I am not sure how this is calculated ; however, if you consider after I asked you to add the fraud alert, since this alert was issued by your federal government of the United States, from the beginning, I should be able to check as many as possible until the suspicious data are explained logically and officially, and corrected properly ; especially, there are questionable issues on all XXXX credit report companies. Or, if I consider, this number reflects the illegal activities, your company might need to explain officially, too. 
I request the explanations of following soft inquires, which I do not recognize or hopefully can say do not remember. 

XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) And those from XXXX XXXX  ( Promotional Inquiry ) p.s. we live in the rented place. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since your company required me to submit the necessary documents to locate a credit file in your company database with my identification information I provided before ; therefore, I will resend these necessary documents with this letter. 

Sincerely,
Consumer complaint received 2023-12-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC (HI)

To Whom It May Concern, I am writing to file a formal complaint against Movement Mortgage concerning the handling of my FHA loan assumption process. My name is XXXX XXXX, and I hold a mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Background : I had been in contact with customer service representatives at Movement Mortgage and received both verbal and written confirmations that a qualified investor could assume my FHA loan. Based on this information, I proceeded to secure a buyer who is an investor for my property. 

Issue at Hand : Contrary to the assurances provided by Movement Mortgage, the company has now informed the buyer that due to his status as an investor, he can not assume the loan. This contradiction is not only perplexing but also detrimental to my interests, as I acted based on the initial information provided by Movement Mortgage. 

Furthermore, the FHA website clearly states that FHA loans are assumable by investors, which directly contradicts the information now being provided by Movement Mortgage. 

Demand for Action : I urge the CFPB to investigate this matter and ensure that Movement Mortgage honors its initial commitment, allowing the loan assumption by the investor buyer without further delay. 

I have suffered significant distress and potential financial harm due to this miscommunication and inconsistency on the part of Movement Mortgage. I seek a swift resolution to this matter and hope that this complaint will prompt the necessary corrective action. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NJ)

I missed only 2 paymnets on my Amex card in XXXX and XXXX and I have been paying it every month since. Well this month, they sent it to a collections ageny without my knowledge even thoigh I pay it. They also will not let me log into my account which has 2 fraudulanent transactions at XXXX a piece. I believe this is illegal. My account should not be in collections and I shopuld be able to log into my account. They are also with holding my credit card and changed the number 3 times. I have been with them since XXXX, I have held a credit score of XXXX in the past and this entire thing is absurd, It needs to be corrected. I am not dealing with a collector, Amex will get oaid directly by me as they always have. This needs to n reversed.
Consumer complaint received 2023-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (IN)

I have had to take a loan through credit fresh because I fell on hard times and needed the money. Well Ive been paying on the account for well over a year at this rate. It seems like the balance has never gone under the XXXX  its at, if anything it just constantly goes up on its own. My payments were roughly XXXX every XXXX weeks for awhile. Then just recently they were so nice to introduce this new program called the credit evolution program my payment was supposed to go down to XXXX dollars every XXXX weeks. It did for all of about XXXX or XXXX payments. Since then it has done nothing but go up even higher than my original XXXX. My next payment is set to be XXXX dollars. My balance is clearly under the XXXX dollar limit for a lower payment. Ive tried contacting them about this issue before and they were no help. Claiming things such as thats just how the cycle charges work. When I go to their website to try and get my account statements they will not display. Almost as if the link is broken and there is no other area or option on the website to get them from. This lender is very predatory and unclear with how they do things. The fact that they are able to get away with just changing peoples payments on a whim is beyond me.