davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

My card was used and XXXX was taken out of my Chine card with out my knowledge in XXXX I live in upstate ny. I called immediately after to try and see what was going on. I was told to wait a couple days until The atm purchases were approved. I have never heard of atm withdrawal pending. Then I can dispute the charges. After they did a investigation '' and this morning at XXXX you concluded there was no fraud. I provided a police report of a previous incident in which my credit card was used in XXXX  last year. I requested a full refund refund and was denied.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I currently have loans in forbearance with XXXX. Sometime last year I was served by the XXXX XXXX police department for a suet filed against me for the loans with XXXX XXXX Plaintiff Bar number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Roosen Varchetti & Olivier law firm, the law firm that represents them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been aware of having any loans with XXXX XXXX. During the trial they provided loans they ( XXXX XXXX XXXX XXXX XXXX XXXX ) alleged were purchased by XXXX XXXX  XXXX which they claim included loans that were made to me from XXXX XXXX  XXXX I am not able to verify this loan ( XXXX XXXX XXXX XXXX XXXX ). Although I have no knowledge of this loan, the judge ruled in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the trial they had erroneous documents with redacted information that could not be verified by me. Now I am being sued again for two other loans, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do not know the origin of these loans ( they are also being represented by Roosen Varchetti & Olivier law firm in XXXX XXXX XXXX in XXXX Georgia XXXX ) XXXX The Attorney is XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, she works in the law firm Roosen Varchetti & Olivier law firm. I have seen where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX was sued by the CFPB for fraudulent loan collection activity and I am confident this is the case with these loans they are claiming I owe.
Consumer complaint received 2022-06-15
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. (DE)

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CT)

I filed a charge dispute for XXXX with Discover on XX/XX/22 for services that was never provided from a lawyer. XXXX XXXX took my retainer and ghosted me refused all my calls. 

I submitted supporting documents online to Discover XX/XX/22 support my dispute On XX/XX/22 I received email from Discover finding in my favor and refunded charge back to my account On XX/XX/22 I received call from a man name XXXX from the executive office of Discover telling me that he will be billing charges back to my account because he received signed agreement from this lawfirm with my signature. XXXX at Discover executive office never gave me a chance to review these " documents '' he received from lawfirm before making this horrible bad decision. 

I filed complaint with Mass Board of Bars Overseers and after reviewing my case they're investigating this lawfirm for lying misuse of funds code of ethics. 

I am not responsible for any charges from this merchant
Consumer complaint received 2022-07-22
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: CMRE Financial Services, Inc. (IL)

On XX/XX/2022 CMRE was mailed a certified letter requesting that account # 's XXXX in the amounts of {$570.00}, {$100.00}, and {$810.00} be validated under the FDCPA, that I, XXXX XXXX, had a contractual obligation to this debt that being reported to XXXX. 

Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ). 

To date, CMRE has not responded to my request for validation with any of the aforementioned documents. CMRE has failed to respond to my request all together. CMRE is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer.

I am requesting that these debts be deleted from my credit report as CMRE has failed to prove, or validate that this debt belongs to me.
Consumer complaint received 2022-06-15
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. (FL)

I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of XXXX alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.
Consumer complaint received 2020-07-26
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)

I applied for credit with XXXX XXXX on XX/XX/2020. The application was denied because the credit reporting agency reported the following : You are participating in a payment relief of deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 

The above information is inaccurate as none of them items apply to my situation. The business reference from XXXX XXXX is XXXX.
Consumer complaint received 2022-06-15
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: CREDIT ACCEPTANCE CORPORATION (MD)

I have a vehicle back in 2018 in my name that the payments was backed up from my understanding the car was repossessed an sold at auction it been reporting on my credit report ever since an I no longer have the vehicle because of repossession an by it being reported late every month it been nothing but a major set back it was financed thought Credit acceptance I think its all fair that we get this problem corrected this been a major set back in my life.Thank you so so much my ex wife was trying to destroy my life now this catching up to me after all these years please.
Consumer complaint received 2020-07-26
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 — Was not notified of investigation status or results
Company: Alorica Inc. (AR)

ALORICA ( WAM ). IGNORED OUR DEMAND TO REMOVE THIS TRADELINE FROM XXXX  XXXX MANUALLING DOING SO.
Consumer complaint received 2020-07-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC. (AL)

XXXX  i cosigned for a loan for a then friend to purchase a vehicle. The loan amount was originally over XXXX. Th payments from the co borrower was late from the very begining, and a couple times was delinquent as much as 120 days. I contacted XXXX XXXX XXXX XXXX   on more than one occasion including going in person in order to try and get the truck or assistance in getting the bank to get it back i was willing at the time to take over payments. I was told no they would'nt do it. this went on several years at the same time my credit was destroyed Sometime later Mr XXXX voluntary reposessed the truck and was left with a debt of more than XXXX. Now mind you the vehicle started out at XXXX. and for several years he made payments on time. My complaint today is that amount of collection that i am being sued for is not right. I reached out to the bank over and over for help in resolving this matter. The bank official that i was dealing was racist and treated me very disrespectful.I went and sat down with then president of the bank twice and he assured me that they would be going only after Mr XXXX. My wife has been fighting XXXX XXXX and i told them about our financial hardships. I feel like victim when over and over i tried to work with the bank to resolve this. My credit has been destroyed and i think thats punishment enough for my good deed.
Consumer complaint received 2020-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TN)

I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2018, XX/XX/2018 for my Wellsfargodealers account.
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC ()

This company reported an account from XXXX on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Consumer complaint received 2022-07-22
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. (OH)

My complaint was closed because Experian responded there's is no bankruptcy listed on Experian credit report. I have accessed my consumer report multiple times and the bankruptcy has been on there for years so i do not know how they are saying its not listed i will upload some screenshots of where my consumer report has Experian reporting the account. They are falsely reporting data and have not provided any proof of the account and also did not properly validate the debt before reporting it. 
My rights has been violated a number of times 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. I have given no written instructions
Consumer complaint received 2022-07-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-17
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. (CA)

XXXX XXXX is reporting incorrect information on my credit report.

The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and XXXX CRA continue to incorrectly report as Open.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I noticed an account on my credit report that should not be there. XXXX XXXX this is a fraudulent account I asked them to take it off and the company did but later put it back on this was XX/XX/XXXX. XX/XX/XXXX I requested them to take it off and they sent an email stating I need to fill out this info. Also Equifax will not let me dispute this account and when I called them they did not even recognize the account on my report so I have no way to dispute this account with Equifax which is violating my FCRA right to dispute items on my report
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to Transunion XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX and I'm including it again. 

XXXX XXXX, XXXX  XXXX, XXXX XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2022-06-16
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. (FL)

I submitted a letter to Experian XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 

XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

Hi, LightStream does not appear to have appropriate procedures in place that provide updated balance information to credit agencies in a timely manner. I spoke to the them in early XXXX to request that they update my balance information which had last been updated in mid-XXXX. They described very vaguely that information is updated around the second week of every month. I said well clearly mine was missed for XXXX then from your process and please can you look into this. The conversation went nowhere. I'd say this conversation was around XX/XX/XXXX ( I could find exact date if needed ). I also informed that and they had in their files a $ XXXX payment I had made on XX/XX/XXXX ( leaving a very minimal balance of $ XXXX that I later paid off on XX/XX/XXXX. At some point in later XXXX my credit reports were updated with balance information as of XX/XX/XXXX. This is both inconsistent with what they described and appears very odd that they would report that balance ( just prior to the XXXX payment they confirmed they received ). Almost as if was done out of spite. I took no further action and waited for them to report updated balance 1 month later that account is paid in full. Nothing has been updated again on my credit report. I have reached out to them again. Every other lender / credit card company / etc appears to report consistently on a monthly basis. I do not know all the regulatory requirements, but LightStream is clearly putting people, such as myself, in difficult situations when they fail to timely report information to credit agency. I am in the process of acquiring a new home. I'm sure I'm not the only one that is being impact by this. They are not receptive to my feedback.
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

When applying for a loan via Quicken / Rocket Mortgage, I was verbally offered a 2.8 % Mortgage Rate, with processing fees of {$1200.00} on XX/XX/2020, to finance {$260000.00} on a Condo sale of {$360000.00}. On XX/XX/2020, this offer was rescinded upon direction of XXXX XXXX, due to the location being a Condominium and all units on the property were not completed, despite my provision of a Certificate of Occupancy by the County in which the property is located, XXXX XXXX, Florida.
Consumer complaint received 2022-06-16
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)

I wrote them twice to remove unknown inquiries that i did not place or get them to send proof and they did not correct or prove proof I never got a response.
Consumer complaint received 2021-03-05
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. (TN)

XXXX placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from XXXXXXXX XXXX  regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.
Consumer complaint received 2020-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.
Consumer complaint received 2020-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

This was a debt that is almost 10 years old. But National Credit Adjusters are reporting that I owe them with no contract or verified debt. I have a letter from the last agency to have this debt which is being passed around and sold to now this company.