davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: RoundPoint Mortgage Servicing LLC (AZ)

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX. Roundpoint did not send the bill to the new address, and I had turned autopay off on Roundpoint Mortgage because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. RoundPoint Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. Roundpoint Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

in Late XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX, I was unemployed in XXXX and XX/XX/XXXX, and I was out of the country for XXXX XXXX XXXX. This is the reason I wasn't able to make the payment on time. As seen in my credit report record, I haven't had any other, more than 30 days, late payment on my account and it is currently up to date. I have tried to contact Wells Fargo and explained to them that due to COVID and my financial situation remove and fix the late payment due to the above situations without receiving any type of help from their end. ( COVID relief ) Currently, I am financially stable and this is affecting a lot of my credit report, therefore, affecting my credit situation severely.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (MI)

Chime has stolen my funds and will not give them back I can not wait 30 days I have a XXXX XXXX XXXX  child who will be out of diapers in less than XXXX hours and a daughter whose birthday is XXXX I have filed a police report and provided all needed self verifying information to chime to support my claim yet I was told I would not be held responsible for any activity on account but I have no money or help this is beyond a nightmare
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Heartland Resolution Group, LLC (MI)

I sent HEARTLAND RESOLUTION GROUP a cease and desist ( pursuant to 15 USC 1692C ( C ) ) and a demand for validation of the alledged debt ( pursuant to 15 USC 1692g ) regarding a debt they contacted me through mail about. In my response to them, I demanded all communication be done through " mail only ''. They ignored my request and continued to harass me by calling my phone 27 times from XXXX XX/XX/2022 after receiving my cease and desist which is a violation of 15 USC 1692d ( 5 ) They never responded to my request for validation of the alleged debt and they have had more than enough time to validate the alleged debt.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (AZ)

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Consumer complaint received 2022-05-18
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. (AZ)

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Consumer complaint received 2023-10-02
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (GA)

I am a member of Vystar credit union for over 12 years I dont live in XXXX XXXX , and I am trying to access my account to wire the funds to my account in XXXX XXXX and the bank each time I call comes with three different stories. 1. The bank says the account doesnt longer exist 2. The other time the person in customer service access the account and wired the money to my bank in XXXX XXXX but I never received the funds and a day later another banker said they cant give me any information. 
I feel the bank stole my money since they know I live abroad and I am only temporary back in USA and they deny my right to access my account even after passing all the verification they asked for. The account should have over US XXXX that I cant access and I need an immediate solution and retrieve and cancel this account.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have attempted to contact XXXX several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

Hello a refund for over payment started on XX/XX/2022. I was advised process takes 4 to 6 weeks max. We are in week 8 in this process. Where my refund is not being issued. Hyundai Motor finance shows 15 days to complete and then I was verbally advised. The 4 to 6 week span which still has not been meet. I have been proactive in calling for updates and I am advised its escalated. Then I would have a call back in regard which I have not been called back. To resolve my concern in regard to Hyundai issuing my refund. I dont know what to do anymore.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

LVNV funding LLC place an alleged debt for collection on my credit report. They did not contact me and provide me my federally protected right to dispute this alleged debt. I have tried to contact them, but noticed recently, after reviewing my credit reports from XXXX and XXXX that the address on file with each of the credit reporting agencies is different. This is a clear violation of my rights as a consumer under the FDCPA.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (NE)

We were told we would receive a credit of {$2500.00} and was told we needed to pay {$1700.00} to lock in an interest rate. We did so as required and then was told we werent getting the credit as our loan would Need a manual underwrite. But, they knew that from the very beginning
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: South Mississippi Collection Services Inc. (MS)

South Mississippi Collection Agency has already been asked once before not to call my work. Today XX/XX/22 XXXX called again after being asked not to. She was also asked to contact me after school which she clearly isnt doing. No voicemail is ever left for me to know who is calling. This collection agency has poor methods and is very rude. The time I did tell her not to call she hung up on me. Something needs to be done about their ridiculous use of business.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (CA)

Carmax reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & Carmax Credit Maintenance Dept,  has refused to update the reporting. The adverse reporting dropped my XXXX score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due Carmax not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the Carmax instruction page, " If you have concerns regarding information about your CarMax Auto Finance account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since Carmax couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair
Consumer complaint received 2022-05-19
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: Bread Financial Holdings, Inc. (CA)

I first noticed fraud on my credit report in 2021. I thought it could be a mistake and it looked as if a credit card was opened and paid off that I did not recall doing. Then another card was opened and not paid off. It is 90 plus days past due and I did not open it. Its a credit card under Comenity Bank XXXX XXXX opened in Ohio under my social security number and name. It was opened in a XX/XX/2021 and I disputed it online but it is still active. I have disputed with the credit card company and XXXX. My credit keeps decreasing almost every day. My credit has gone down more than XXXX  points. Please help.
Consumer complaint received 2022-05-18
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCT AND SOME INQUIRIES THAT I DID NOT AUTHRORIZE. 

XXXX/XXXX ACCT NUMBER XXXX AMOUNT {$510.00} ACCT OPENED XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2022-05-18
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX  has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (CA)

I went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc. (CA)

In accordance with the fair credit Reporting act PROGRESSIVE MANAGEMENT SYSTEMS, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-18
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. (CA)

in accordance with the fair credit reporting act convergent account # 1 XXXX XXXX XXXX  XX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have reached out to this " collection '' I now have on my credit report that I know NOTHING about I have tried to reach out and get a recording and the company calls and threatens to sue, take me to court, etc. They have now caused a bad mark on my credit report as well as an amount that I am not familiar with or why it was owed it's under my credit report under collections as PORTFOLIO RECOVERY A XXXX XXXX {$4600.00} I have no idea what this is and what it is for or if it was fraud. 
I hope you can help. 

Thank you,
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

My Experian report has the following errors : Company name is spelled incorrectly- it should appear as XXXX XXXX. Also my debt to income numbers are way off. My mortgage and credit card bills total {$1800.00} ans my income after taxes is {$6500.00}. The report states thats its : Debt : {$2300.00} Income : {$4500.00} How do I fix this? 

Thanks, XXXX XXXX