davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I have been working on issues with Freedom Mortgage snice 2019, when the co-borrow on the account filed for bankruptcy chapter XXXX on XXXX XXXX. 

I was told that I would not be affected by any of this but I no longer receive any type of correspondence form the mortgage company and the mortgage company will no longer speak to me. 

My current statement for XXXX states total amount due is {$4400.00} with a partial unapplied amount of {$1000.00} and XXXX 's statement states partial unapplied funds in the amount of {$2400.00} total amount due {$4400.00}. 

I have attached XXXX 's statements on the trans action activity shows XXXX funds XXXX XXXX still shows unapplied funds {$200.00}, {$2200.00} & {$1400.00} I have been told time and time again to " wait and to give it time to catch up ''. 

I can provide you with copies of any statements if needed. 

I am unable to speak with anyone at the mortgage company due to the co-borrower Bankruptcy being filed. 

Her attorney has been following up on this issue for months now and nothing has been resolved. 

I keep getting further and further behind, they keep saying I am behind when I know I should be ahead. 

I just want my statement to reflect that I am now current and no longer behind. I do Not want any funds in the reserve.
Consumer complaint received 2020-01-22
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. (FL)

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

I am a victim of identity theft. The following account is fraudulent, unauthorized, not mine and the result of identity theft : XXXX XXXX, XXXX. XXXX XXXX XXXX transferred the fraudulent account ending in : XXXX to XXXX. I been receiving harassing phone calls every day at XXXX XXXX  from XXXX XXXX representatives using abusive and profane language, making death threats and threats of taking legal action against me and getting me arrested and sent to jail and prison for a credit card account thats fraudulent, unauthorized and not my debt or account. XXXX XXXX is in violation of The Fair Debt CollectionPractices Act ( FDCPA ) under Federal law.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (MI)

My Account was used to make unauthorized transaction in my name using XXXX XXXX I contacted law enforcement and the finacial istitution with in 3 days and the card used was a XXXX XXXX XXXX XXXX with a XXXX liability benefit. However the fiancial istitution is refusing to cover the loss of {$500.00}. I did not authorize the transactions and in fact the XXXX XXXX was not mine and also was opened without my authorization.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

Payment was made on XX/XX/XXXX. 

When I called I was told there was a system error and no one knew how to post the payment. When I asked for more clarification I was told a supervisor would be contacted and I would be contacted by them soon with a resolution. It has been 4 business days with no updates. 

This is ridiculous and should not be the case.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I have been trying to work with Transunion to get inaccurate inquiries of my report I even went a step further and added a fraud alert, but for some reason unknown inquiries continue to pop up. The strange thing about the inquiry is that some of them repeat. I'm currently trying to become a homeowner so I know it's not wise to continue to apply for things, as inquiries could drag your score. I read if you are planning to buy a home to plan to not use your credit for 9 to 12 months in order to prepare. So I have been following that rule. Im not sure if companies are trying to offer me credit and check my report, but if that was the case it should be a soft pull. The inquiries in question are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX4XX/XX/XXXX, ( Repeat ) XXXX XXXX XX/XX/XXXX, ( Repeat ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was sold a vehicle that stop running and required a lot of maintenance after a few months. When approved I was advise nothing was wrong with the vehicle, also the inspection was up to date. I constantly tried returning the vehicle but no luck. I was advised by Credit Acceptance Corp that if I did a voluntary repo they would have someone come get the vehicle, resell it, and not report it to any credit bureaus. This voluntary repo is being reported to all 3 CRAs and the information being reported in inaccurate. There are also 2 tradelines on my reports for this account and both are reporting different, and inaccurate information. I also disputed, and sent 2 dept validation letters and received no response. It has been passed 30 days and by law this debt must be removed, or addition action will be taken.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

CBE GROUP account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SECURITY FINANCE CORP (IL)

I was approved in XX/XX/XXXX for a personal loan at Security Finance XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score. Security Finance states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At Security Finance office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to Security Finance. I was given Security Finance corporate number, called and reported this problem. I contacted credit bureaus. Security Finance DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX  and was created by my XXXX  without my consent and knowledge.
Consumer complaint received 2018-02-07
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: SYNCHRONY FINANCIAL (TX)

I have contacted XXXX XXXX about this inquire on XX/XX/17 several times with zero response. This is a fraudulent inquire. I did not make this inquire, nor would I ever have inquired about anything involving XXXX XXXX.
Consumer complaint received 2021-11-08
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. (PA)

Checked my credit report and XXXX. I disputed this account with no validation. They are furnishing information that has never been validated and they are also furnishing inaccurate information such as Account detail differ XXXX has incompleteness. Date opened dates differ all three bureaus. High credit XXXX incompleteness. Last reported dates differ. Comments all differ. Dates last active all dates differ. Last payment differ. 
Transunion payment history incompleteness accounts differs
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX  without my consent and knowledge.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2019
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

My Slate Chase account ending in XXXX was charged a late payment fee in the amount of XXXX recently, the account shows a disputed transaction in the amount of XXXX from XXXX XXXX XXXX XXXX, CA on or around XX/XX/XXXX. This transaction, as well as fees and interest associated with it, has been in dispute since XXXX of last year. Most recently, Chase reps replied stating they did not receive information to reopen dispute until XX/XX/XXXX and it was too late to further dispute at that point. The information they refer to such as XXXX tracking number was provided to Chase disputes team back in XXXX via secure message as well as to live phone reps. The tracking number from XXXX shows package signed for by a XXXX XXXX, no one by this name lives at my address, I believe the date is XX/XX/ showing delivered. I was not at home on this date to receive package/sign for it or any other package for that matter. If Chase disputes team missed this information including tracking number when submitted in XXXX, that is not my fault. They need to understand I refuse to pay for item ( s ) not received and merchant will not refund, their one and only option is to bring the account balance to zero as the balance includes the disputed charge of XXXX plus interest and fees. None of this will be paid by myself, the last payment on the account in the amount of XXXX will be the last and final payment.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THESE INQUIRIES FROM MY CREDIT REPORT. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC XXXX Balance {$620.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (VA)

complaint id XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection company for the following! 
Orignally on my credit report XX/XX/2020, as XXXX  XXXX XXXX. 
Now on my report as : XXXX XXXX XXXX  {$960.00} same amount and account number! 
I have certified mailed, a identitytheft.gov report to all involved. Your investigation, they have said there isn't activity. Which is false. Still on my credit report
Consumer complaint received 2018-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I wire transferred {$40000.00} from my business account to my personal account at Coinbase.com / XXXX. The funds never posted on my account. 

After 10 attempts to contact coinbase / XXXX through phone, email, and their support system I was send an email from coinbase that the wire was not accepted and the wire was going to be reversed during the next 7 business days. 

Today it is XX/XX/XXXX I have kept sending emails, calling, and leaving messages on their system. They have not replied one of my messages with a response about the refund of these funds. 

Please help
Consumer complaint received 2022-10-14
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: Resurgent Capital Services L.P. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : LVNV FUNDING LLC, Account Number : XXXX has violated my rights to privacy. 

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX Services ; XXXX and XXXX XXXX, XX/XX/XXXX, Collections Acct # XXXX XXXX XXXX Equity, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX Simple, XX/XX/XXXX, Paid Closed Acct # XXXX XXXX XXXXXXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Repossession, {$4400.00} 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 2021-11-08
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)

To my surprise, I saw a collection account showing up on my Transunion XXXX XXXX credit report. I wrote them the letters to validate and verify that the info is accurate. Till to the date, even requesting them to validate the accuracy of the account- I have not received any documentations that supports that account belongs to me. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they had stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MO)

My name is XXXX XXXX, and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. The DISCOVERBANK account is reporting late as reported in my 3 Credit Bureaus. Lets correct this now. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (KY)

This company continues to report inaccurate and unverifiable information on my credit report. I ask this company to send validation of debt letter and to also cease all forms of communication with me through any and all mediums. This company is breaking numerous FDCPA laws. This company needs to stop reporting this inaccurate information on my credit file. To my knowledge Pursuant 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I can only validate this debt, I do not validate this debt, so i demand this company to stop reporting unverifiable information on my credit report.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I'm requesting that Capital One please update the name on all three of the accounts that I currently have with them. My name is spelled incorrectly. I have attached supporting documentation to support my request. 
THIS UPDATE SHOULD BE COMPLETED FOR THE ACCOUNTS ENDING IN : AUTO LOAN XXXX CREDIT CARD XXXX CREDIT CARD XXXX