davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I have 2 primary complaints. 

First, received a letter from my mortgage servicer, Freedom Mortgage stating that my payment was going to be increasing by {$300.00} per month because of an escrow shortage. This was a significant increase so I began working with Freedom in order to determine what caused the issue. After several weeks it was determined that my account was set up incorrectly after I refinanced. The escrow account had 2 errors, insurance was omitted and the taxes were incorrectly applied from an outdated tax bill. This led to a significant gap that was not discovered until I received my annual escrow analysis. Freedom offered to credit my escrow for the full amount of the insurance because it was an error by the account set up process. I asked that they also research how the tax account was so inaccurate because they had received an updated copy of the tax bill the previous year. I still have not received an answer as to how this occurred. I have spent hours trying to resolve this with Freedom but they are exceptionally hard to work with. I am able to afford the increased payment but I believe these sorts of systemic errors will disproportionately impact low income borrowers as they may not be able to afford such a significant increase in monthly payments. 

The second complaint involves the refinance marketing process. After I refinanced the first time I continued to receive marketing calls to refinance again. I requested 3 times to be added to the do not call list which was finally completed. Despite not wanting to continue to receive information, Freedom requires that you move through a phone tree on the customer service line in which they try to push you to refinance again. They also direct customer service representatives to try and sell the program as well. Customers should not be required to constantly opt out of product marketing in order to get basic customer service.
Consumer complaint received 2024-03-01
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2021-04-30
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: U.S. Auto Sales Inc. (NY)

US Auto sales has failed to send me the original documentation with my signature on it for proof of purchase. They are claiming they dont understand whats inaccurate on my report and the question is rather simple. I am asking them to provide ( Proof of Verification ) of this alleged debt that they have placed on my credit report in which they have NOT done so. Im confused about what part they dont understand. Its quite simple, provide proof of the original documentation with my signature on it for the alleged debt they are claiming I owe. Further more, they did NOT respond within the 30 day time frame, I have not received any documentation from them. I have proof that I reached out several times to get verification with no response. They need to provide proof of contract via mail. Not email, or phone call. I am demanding that they remove this erroneous debt off my credit. I received an email today XX/XX/2021 from a representative of US Auto sales by the name of ( XXXX XXXX ) stating that " XXXX is blocking her emails from being received by me ''. This is the first time I have heard from them which is technically not the proper way they should be responding to this request. The should essentially only be contacting me via mail which is how I have been contacting them. Once again, I am attaching the original letter sent out asking them for verification. I am also attaching a copy fo the email I received today from US auto sales. They are in violation of the fair credit act and I will pursue further legal actions if this matter is not resolved.
Consumer complaint received 2020-07-14
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: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Services with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.
Consumer complaint received 2021-09-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-06
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: National Credit Adjusters, LLC (SC)

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX for {$6100.00} NCA for {$530.00} and {$390.00} XXXX XXXX for {$110.00} Please remove accounts these accounts are not mine.
Consumer complaint received 2023-04-06
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: COLLECTIONS USA, INC. (SC)

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX for XXXX Collections USA for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX  for {$110.00} Please remove accounts these accounts are not mine.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I had a credit card with Chase called Chase freedom. It expired in XX/XX/XXXX. 
I was under the impression new cards were sent in mail as normally happens ( or has happened ) I remembered when I saw this old card that certain rewards ( which could be turned into cash must be available ) I called Chase and they said perhaps since the card was not used for 6 months they purged it. And the rewards have to used with 30 days they said they send a letter in mail. 
I may have got it and somehow fell through cracks. 
I understand they are free to purge my account but I feel that should mail the reward check automatically. XXXX if it was other way round they would have tagged interest and I would have paid to keep my credit score intact ) I feel since I did not close the account there should a recourse for it. They need to keep records for atleast 3 years. 
I am not expecting them to pay me interest just expecting my rewards which I have earned from XXXX till I used the card.
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX reported as negative credit in XXXX and Sold it to National Credit Services, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This dispute is for two Bankruptcies on my report that have been disputed multiple times in the past few months. The bureaus have never sent me verification of these items also after disputing the date of last activity is never updated and this is an FCRA violation please remove these items. Thanks
Consumer complaint received 2020-05-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2024-03-01
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. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX 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 2018-01-10
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. (GA)

On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30, 60 & 90-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 2021-09-21
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)

I am a veteran who is trying to use my Va Loan XXXX XXXX. XX/XX/XXXX amount XXXX settlepaid in full still show I own them when I do not. They say the report weekly but have not done anything yet. I will also like to get this account deleted. XXXX  XXXX. XX/XX/1991 dollars and XXXX dollarspaid in full for XXXX  XXXX XXXX paid in full would like to get this account deletes XXXX  XXXX. XXXX dollarswould like to get this account deleted paid in full. XXXX XXXX. XXXX dollarswould like to get all this account deleted. These accounts is blocking my way of home ownership with using my va loan. I am asking for this accounts to be deleted off of All three credit bureau Equifax XXXX XXXX credit reports
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

I have opened checking and savings account with Chase bank in the XXXX XXXX  of XXXX, North Carolina located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX with promotion of {$600.00}. 

Here are the details - {$200.00} New checking - XXXX {$200.00} New savings - XXXX {$100.00} extra bonus - XXXX Chase Checking Account number - XXXX Chase Savings Account number - XXXX It has been 3 months since the account has opened and the total promotion of {$600.00} has still not been provided to me even after several messages and calls to Chase bank customer service. 

Messaging service keeps saying that account promotion has not been applied to the accounts and Chase XXXX XXXX in XXXX, NC shows no response even after several calls. 

The last call was made on XX/XX/2021 and there has been no heed paid to it. 

I am writing this as complaint in regards to the service that full terms and conditions have not been followed by the Chase branch executives at best due to incompetence and lack of sincerity and at worst following malpractice to deny account opening promotion bonus
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Because of the COVID pandemic Californians have credit score protections in place that are supposed to prevent creditors from reporting late payments. 

https : //covid19.ca.gov/get-financial-help/ # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).
Consumer complaint received 2021-09-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you