davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} I was robbed by a group of guys walking to the atm they took my phone and transferred XXXX to themselves I never transferred money on chime before peer to peer and I had them since XXXX. After everything happened I went to the police station. I made a police report and called chime and made a dispute online. The next day they denied the dispute and said it was no error. I asked for the reason and paper work. That said it would be 10 days to recieve the paper work. I never received A response. 
This is the police report I made right after the incident. After 8 years of being with them I never not once made a peer to peer transaction. I was robbed and reported it immediately to chime and the police. After 8 years I only had one other dispute that too 3 months just for them to tell me know after getting scammed by a company that never sent out my items. The was for XXXX And I would like that reinvested too.
Consumer complaint received 2022-08-26
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: Mercedes Benz Financial Services (CO)

We took out a loan to purchase the lease. The money was sent to Mercedes financial and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (TX)

I purchased a motorcycle from Harley Davidson XX/XX/XXXX. First payment due XX/XX/XXXX in the amount of XXXX. I made 4 payments totaling XXXX before the due date which is the XXXX of every month. The months XXXX and XXXX of XXXX no payments were due because of the overage on the account balance. XXXX XXXX my motorcycle was stolen. I alerted the insurance company in which they paid me XXXX which was applied to the account on XX/XX/XXXX well before the account was 30 days late. Harley Davidson Financial reported this account late from XX/XX/XXXX up until the latest reporting of XX/XX/XXXX. This account was paid years in advance and finally paid completely off XX/XX/XXXX and closed that month. I never made a late payment on this account. I've tried getting this account corrected with the creditor to no avail. I then disputed this account with the credit bureaus XXXX, XXXX, and XXXX, they did not remove the negative reporting despite receiving proof of payment received before the due date. They are also allowing the creditor to report the account 120 days late in the year XXXX. This account is paid in full and closed since XXXX of XXXX. This is the only account in bad standing and it destroying my chances of owning a home due to the recent reporting negative activity despite it being paid in full and closed. This company has a track record of this behavior and something has to be done to help consumers when we've tried every avenue to get errors being reported to our file corrected. I'm asking that all credit reporting agencies remove the negative remarks and late payments from my credit report.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Submitted a dispute to remove 3 loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Consumer complaint received 2023-06-19
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. (CT)

I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (TX)

I called XXXX today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and XXXX still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

XXXX received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from XXXX. 

XXXX is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold XXXX accountable to the FCRA. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even threatened to bring lawsuits, to get inaccurate information corrected in my credit reports
Consumer complaint received 2022-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage has been reporting discharged debt to all 3 credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

I send a dispute letter to Lexis Nexis to remove addresses, phone numbers they still didn't remove it off my report, they remove the bankruptcy but have all the other incorrect informations still.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (NM)

They called me on XX/XX/2021 and I told them not to contact me. 

I ended up waiting online for a representative because a representative refused to put me on DNC list. 

I was contacted on XX/XX/XXXX and told the woman who contacted me that I was on the do not call list. 

Today on XX/XX/XXXX, I was called again. I was hung up on twice until the last woman I talked to claimed she placed me on the do not call list.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Assoc # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2017-08-30
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: Experian Information Solutions Inc. (CO)

XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XX/XX/2016. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
Consumer complaint received 2022-08-26
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: CL Holdings LLC (FL)

IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hi my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX Hi my name is XXXX XXXX On XX/XX/XXXX i found local catering company ( XXXX XXXX ) for making my up coming event happened and total of service charge where {$9200.00} with tax, i paid that with XXXX transaction XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4400.00} on XX/XX/XXXX or XX/XX/XXXX ( can't say exactly ) i got a call from their company and they told me some story that they are going to file a bankruptcy and they are not able to make my event happened, they suggest me to found other company. About request for refund at first they refused but when i told them they i will take a lawyer to take care situation they give me option to visit them and they will issue refund with merchant and also will give prove letter with signiture that they are confirming that they are not able to make the event happened, but when i visit them they told me that such as they don't have enough funds in their checking account their merchant will be not able to refund money and i will need to contact my bank, i open a disput with citi bank and no one didn't contact me to get prove of trasaction, Citi bank gave me my money back, today i found that my account negative and when i called Citi bank your representative told me that it's some reversal credit back from XXXX XXXX transaction now i am sending you guys prove with receipes and with prove letter with signitured by me and the owner of XXXX XXXX that they confirm that it was their responsibality and they failed to provide a service and they are not able to refund my money back, i am really disappointed regarding citi bank protection services and i am requesting imedently assistance with my citi bank negative balance and with claim, next step i will open case with Consumer financial protection bureau and they will take a look to this situation too. Thanks
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I was persuaded by a cashier from XXXX XXXX at XXXX XXXX on XX/XX/2022 during checkout that I was pre-approved for a Rewards Card and went on about the deals I could be getting. I initially said No, because I already assumed she is selling me a credit card, and that I opened enough credit accounts this year and I dont want to hurt my credit score. She then told me that since I was pre-approved, this wouldnt affect my credit score at all. I reiterated that back to her, and she said that this is a Rewards Card and you are pre-approved as I can see here, so dont worry about your credit score. I asked Are you sure this wouldnt affect my credit score? The cashier said Not at all. Then, a day after, all of the credit bureau informed of a credit score change and my credit score is down by XXXX points. I wish to dispute this, because this is plain false advertising, and I would like to see if I can settle this first without an attorney.
Consumer complaint received 2022-02-24
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2022-02-24
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, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING LLC OPENED : XXXX XXXX AMOUNT stated to be owed : XXXX 
I have been a victim of identity theft for some time now. I had no knowledge on what to do or who to contact about the items that were appearing on my credit report. However, someone have come along and told me to follow the steps with FTC and CFPB so here I am I hope to get good results from filing this complaint. This item has been negatively impacting my life and my credit file from job opportunities to living opportunities in general.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Consumer complaint received 2022-02-24
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. (NY)

I, XXXX XXXX, is submitting this dispute on my own behalf and no third party is involved. NOTE : THIS IS NOT A REQUEST FOR AN INVESTIGATION OR REINVESTIGATION. It is my belief that Experian violated me under the Fair Credit Reporting Act. I believe Experian did not actually perform an investigation of my disputes. Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a description of the procedure used to determine the accuracy and completeness of information all every account, inquiry and address Experian alleged they investigated for investigation # XXXX that you made available on your website XX/XX/2022. I have attached a copy of the investigation results in this complaint. Pursuant to 15 USC 1681i ( a ) ( 7 ), Experian MUST provide me with the descriptions of the investigation of every account you alleged you have investigated within 15 days of my request. AGAIN, this complaint is NOT a request for an investigation or reinvestigation. I ONLY need the description of the procedure used by Experian to determine the accuracy and completeness of the account, inquiries and address in investigation # XXXX
Consumer complaint received 2022-08-26
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-08-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (TX)

On XX/XX/XXXX, I closed with Guaranteed Rates for a XXXX mortgage on a single family home with my business partner XXXX XXXX, we were joint tenants. I paid the down-payment and the closing costs. There were several deficits with this mortgage. 
XXXX. Guaranteed Rates issued a three party check to XXXX XXXX and XXXX XXXX, my partner XXXX XXXX and myself, XXXX XXXX. The check was cashed without my endorsement. When I contacted XXXX XXXX the Escrow Dept. Manager and XXXX XXXX, there was the perception they were not going to help me. 
XXXX XXXX after cashing the check without My endorsement disappeared without doing any work on the house. Even though XXXX XXXX was aware of what happened back in XXXX, she did not correct this matter. 
XXXX. Even though XXXX XXXX and I were joint tenants on the mortgage, MY NAME WAS LEFT OFF THE POLICY. I was not aware of this until XX/XX/XXXX. I was totally ignored in XX/XX/XXXX when I contacted XXXX XXXX and also when I contacted The Money Source. I paid for this policy with the down-payment. 
XXXX. Funds required that both XXXX XXXX and I signed for the XXXX distributions but XXXX XXXX only delt with XXXX XXXX, it wasn't until all choas broke loose and I was threatened with a mechanic 's lien and a death threat from XXXX XXXX that I demanded what was going on from Guaranteed Rates and XXXX XXXX gave me her information. But if honor was given to me in the first place the funds would not have been squandered.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (TN)

My card account is locked because someone has opened multiple other accounts in my name and over drafted them. The company, Netspend, is trying to make me settle these accounts that are not mine. They are not helpful and will give me no information on how to fix the issue.
Consumer complaint received 2022-08-26
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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 2023-05-26
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. (TN)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following fraudulent items are needs to be removed : XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$700.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number XXXX