davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This is in reference to a previous case XXXX regarding ChexSystems. 

I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. 

My dispute is quite simple. 

During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. 

Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. 

Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. 

For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

Lvnv funding LLC is charging for a debt that was already charged off and wrote off by the original creditor that I signed a legal contract with. And by lE it's illegal to collect on a debt that was already paid for by law. 

Section 604 15 USC 1681E ( B ) Section 605 A 15 USC code 1681 C-1 Section 605 B 15 USC code 1681 c-2 I tired of the false/fraud from this company. 
Not only that this company is not licensed in the state of New York. They are reside in the state of Nevada. It's illegal all the way. 
This has cause me to have XXXX and XXXX because of this false information I can not move on with my life and I don't think this is fair to any individual. Thank you.
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} 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
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} 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
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (CA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OR)

The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out Hyundai Motor Finance sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my HMFUSA online account, or emails surrounding the issue. We were just sent to collections. I have called HMFUSA repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against Hyundai for all the people they have XXXX over, in the middle of a pandemic.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (FL)

On XXXX XXXX a collection with National Credit Adjuster hit my credit before I was legally allowed to validate the debit. I called the collection agency and was told that the letter of notification was sent on XXXX XXXX to inform me of this debt. Im in the process of closing on a home, so I was advised by my financial counselor to pay the debt, as it would negatively affect my closing. The debt was paid on XXXX XXXX and the funds cleared on XXXX XXXX.
Consumer complaint received 2021-06-02
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: CORELOGIC INC (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Consumer complaint received 2021-06-02
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

XXXX  reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and XXXX changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.
Consumer complaint received 2021-06-02
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. (MD)

TransUnion reported a hard inquiry from XXXX XXXX XXXX. I have NOT requested any credit from XXXX XXXX XXXX. TransUnion is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want TransUnuion to remove the false information regarding XXXX XXXX XXXX & restore my 10 points!
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX 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 purpose.
Consumer complaint received 2018-03-04
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: JPMORGAN CHASE & CO. (TX)

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX   told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (GA)

Mortgage Payment for XX/XX/2021, including late fees was sent as a personal check on XX/XX/2021 via USPS certified mail. Per USPS, the check was delivered to Mortgage Servicers XXXX XXXX  on the XXXX of XXXX. Servicer didn't apply payment by the XXXX of XXXX although it was delivered on the XXXX. Homeowner called and emailed servicer to inquire as to why payment wasn't applied as well as tracking number on envelope that was sent. Homeowners credit report was subsequently damaged due to servicer reporting it 30 days late although servicer received payment within 30 days of due date via confirmation from United States Postal Service tracking.
Consumer complaint received 2020-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (SC)

For about a year The Money Source TMS keeps showing unrealistic amount due. Ive emailed and called them and thy say that im not behind but the monthly statements shows : XXXX statement {$4000.00} XXXX statement showes {$2900.00} XXXX statement {$2900.00} XXXX statement {$1800.00} XXXX statement {$1800.00} All of this time im making my payments before the XXXX of each month and have XXXX been charged a late fee. 

Acct number XXXX THE MONEY SOURCE XXXX XXXX XXXX XXXX TX XXXX CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (CA)

Dear Sirs, The following is based on a letter written from the Consumer Financial Protection Bureau and applies to any of my accounts that may have gone delinquent in the wake of the Pandemic Covid-19 : The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief. 
If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 
If your lender does NOT give you an accommodation : In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report.

The CARES Act also applies to certain federal student loans and includes requirements relating to suspending payments and credit reporting. During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower. ( any increase in the balance of the loan is invalid. 
All three companies have continued to ignore my complaints regarding this issue and have ignored the regulatory filings regarding the banks ignorance of the cares act.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NY)

if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Ive reached out to XXXX and Equifax about this high impact inquiry on my credit report from XXXX XXXX XXXX XXXX for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (VA)

I opened a complaint about inaccurate information on my credit report ( s ) about bankruptcy that XXXX was reporting. After filing a complaint about XXXX I received a letter from XXXX via email explaining they had made and mistake and that they removed it from my XXXX file. I have filed a letter and requested validation with each of the 3 credit bureaus and ALL responded back stating they in fact verified the records with XXXX. This should be impossible with this letter AND for the fact that my address is FAR from correct on the XXXX Account. Each of the Credit Bureaus responded back with letters stating that they VERIFIED with XXXX, I have received them via US mail. 

I have included a copy of the Orginal letter as well as my hi-lighted proof from said letter from XXXX.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I XXXX XXXX entered into a consumer credit transaction with Capital One between XX/XX/2021 and XX/XX/2021 ( First statement dates ). Consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash however, Capital One has coerced me into paying cash in addition to the finance charge. Finance charge is all suppose o include additional fees and interest which Capital One is charging seperately.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Experian : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

i opened a coinbase Acct to buy cryptocurrency bitcoins i invested XXXX i was able to access my Acct until XX/XX/2019 after that peroid i was unable to access my Acct.COINBASE their customer service is worthless. I have been trying for 9 months to get into my Acct with no success. They just send Auto computerized responses by email with no solutions. I WANT TO GET ACCESS TO MY ACCT AND GET MY MONEY BACK.PLEASE HELP
Consumer complaint received 2018-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2021-10-22
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: Bread Financial Holdings, Inc. (MI)

Hello my name is XXXX XXXX and I am XXXX years old. I am disputing everything on my credit report. I am not old enough to have credit and unfortunately somebody used my name and social security number. My mother XXXX XXXX has tried to reach out to the creditors on my credit report and she was unsuccessful. I would like all items removed off my credit. My mom even sent over documentation that I am a minor and not old enough to have credit cards XXXX/XXXX {$830.00} Closed 43 potentially negative months XXXX XXXX/XXXX XXXX  Closed {$210.00} 5 potentially negative months XXXX
Consumer complaint received 2018-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Portfolio Services, Inc. (TX)

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.