davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Associates, Inc. (CA)

I have 2 XXXX XXXX from the same XXXX entity, XXXX XXXX. The first one is for a XXXX XXXX XXXXXXXX they charged me for that is covered 100 % by my insurance. I received the XXXX XXXX in XX/XX/XXXX. Someone in their office miscoded it as just an injectable and not a XXXX XXXX XXXX so they are charging me {$140.00} when it should be 100 % covered. They are also trying to charge me for the office visit for that shot, which is also covered under the free birth control benefit I have. 

The second charge is for a {$25.00} office visit in XX/XX/XXXX that was actually just a phone call giving me the results of a scan I had. Not only are virtual/phone appointments free under my insurance plan, this also happened during COVID so I was forced to have a phone appointment because I was not allowed to go into their office. I have never heard of being charged to get told your test results. 

I have contacted the debt collector and it took him over 3 months to get a response to me and basically all he said is that the creditor says the debt is valid. There was ZERO research done into my insurance benefits and that these are covered items. They just simply said the amount is owed. I do not feel it is fair to have my credit effected over something I should have never been billed for in the first place. I have been trying to resolve one of these for almost 2 years now, and was ignored until it went into collections. Now the debt collector wont help me any further even though I can prove that I am not supposed to be charged for what they billed me for.
Consumer complaint received 2021-11-12
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. (NV)

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

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied 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 XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; EQUIFAX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc. (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from CarMax Auto XXXX XXXX ( VIN # XXXX ). I made a down payment of {$2500.00}, which included {$1600.00} from a trade-in and {$900.00} in cash. The loan was financed through CarMax Auto Finance. 

Upon reviewing the Retail Installment Contract, I discovered that my loan had been sold and assigned to CarMax XXXX XXXX XXXX ( XXXX XXXX ), which holds the rights to collect payments. However, I have continued to make payments to CarMax Auto Finance, which is not the rightful creditor. 

Further investigation revealed that my loan was securitized and sold as part of an asset-backed security on the secondary market, specifically linked to the XXXX XXXX XXXX XXXX XXXX with CUSIP number XXXX. This securitization was done without any disclosure to me, in violation of the Truth in Lending Act ( TILA ) and Uniform Commercial Code ( UCC ). CarMax Auto Finance continues to collect payments despite not being the proper holder of the debt. 
I formally requested proof of debt under UCC 9-210, asking for original loan documentation, servicing agreements, and details regarding the securitization. Despite this request, CarMax Auto Finance has failed to provide any of the requested documentation.

Additionally, under TILA ( 15 U.S.C. 1635 ), I am entitled to rescind my obligation to make payments due to CarMaxs failure to disclose the securitization and assignment of my loan. This lack of transparency has deprived me of my rights, and I believe CarMaxs continued collection efforts are unlawful. 

On XX/XX/XXXX, I sent a notarized letter to CarMax XXXX XXXX XXXX, CarMax XXXX XXXX XXXX, and CarMax Auto Finance, formally requesting proof of debt, documentation of securitization, and a servicing agreement. I also asserted my right to rescind under TILA. They have not responded or provided the necessary documentation to resolve the matter. 

I am requesting the CFPB 's assistance in investigating this matter and compelling CarMax to provide the requested documentation and cease collection efforts until the matter is resolved. If CarMax fails to respond within 7 business days, I will proceed with arbitration suit and seek remedy at the fullest extent of the law.
Consumer complaint received 2023-05-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (TX)

Credence Resource Management is reporting a collection account on my credit report, allegedly on behalf of XXXX XXXX XXXX. However, I contacted the original creditor, and they could not validate this debt. Additionally, I never received any correspondence informing me that a debt existed or that it was sold to a third-party collection agency, making this information untrustworthy and a violation of permissible purposes. 

I have never signed any agreement with Credence Resource Management, and your company has failed to provide documentation, including a signed agreement, forward flow agreement, my identification to verify the debt, or a license to collect it. 

Moreover, you are reporting inconsistent dates for the date of last activity, which is a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account due to lack of verification by the original creditor. I have attached an invoice for your violation, and payment, along with the deletion of the account, is expected within 30 days. Failure to comply will result in legal action.
Consumer complaint received 2021-03-30
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Approximately in XXXX of XXXX I personally reached out to Capital One via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States Army after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation, but was encouraged to write a letter and physically mail it to Capital One 's credit reporting department. Within the same month of XXXX I decided to do just that, and even more thoroughly explained the situation in said letter. Initially I had high hopes that Capital One would recognize the fact that even the federal government has acknowledged the tremendous negative economic impact the Corona Virus has had on our country, which has resulted in the government pouring trillions of dollars in various legislation in an attempt to bring to the country 's economic state around. However, what I later received was anything but understanding or the reasonable use of discretion by Capital One. They mailed me a letter that appeared to be one of likely thousand of templates used to handle customer complaints, that simply stated essentially that they were 'unable to do anything '. I genuinely believe that a reasonable person would agree that Capital One is acting unreasonably in regard to my situation.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I am a Chase Sapphire XX/XX/XXXX holder. 

On XX/XX/year>, another driver crashed into my car while it was parked. XXXX XXXX agreed to provide a rental car through XXXX while my car was in the shop. I picked the rental car up on XX/XX/year> ( see rental agreement ) and returned it on XX/XX/year> ( see final rental agreement ). On XX/XX/year>, I provided my Chase Sapphire XXXX card to XXXX staff to authorize the required deposit ( see rental agreement ). I declined XXXX coverage and confirmed with staff that I would be using my Chase card benefits to provide rental coverage. 

I dinged the rental car while parking. I submitted a claim to Chase on XX/XX/year>. On XX/XX/year>, XXXX issued an invoice of {$860.00} ( see billing letter ), and I updated my pending claim with that information. I repeatedly provided more info to supplement my claim. On XX/XX/year> Chase denied my claim, stating : " Our records indicate that the rental was not placed on the covered card. As a result, the claim that was opened with our office will be closed. '' XX/XX/XXXX paid for the initial rental because its insured was responsible for damaging my car. I used my Chase card for everything that was in my power -- the deposit that was required before I could pick up the rental. I reasonably thought that this triggered my card benefits to provide auto insurance, and relied on this understanding in denying the rental company 's coverage. It would be misleading and unfair to lock me out of rental insurance coverage in this instance, especially because there was no way that I could have put the initial rental amount on my Chase card. If Chase is allowed to deny coverage in this instance, I'll be left in limbo, having denied the rental company 's coverage in reasonable reliance on my Chase covering the rental. Please help! Happy to provide more info as needed.
Consumer complaint received 2021-03-30
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. (WA)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX  partial account number 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. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I tried to have a security freeze lifted almost 3 weeks ago. The system told me they could not verify my identity even though I answered the correct answers. I spoke to a representative on XX/XX/XXXX who said my social security number didnt match my name. Which is XXXX! She said I had to mail my ID verification by mail. I called back XX/XX/XXXX she told me nothing again and that I had to mail my information AFTER I already told her I mailed it. They will not tell me what the XXXX is the problem. She said she will create a ticket. XX/XX/XXXX still no resolution. I called back & told the same XXXX thing. He said a social security number can only have 1 name to it. I told him my number DOES have ONE name .. I changed. my last name FIVE yrs ago due to my children are grown & I was divorced 28 yrs ago but I have not had any problems in that FIVE years with that and millions of people change their last name .. They are XXXX with me and my report and this is XXXX.. I see that my car loan is showing to my social but yet I cant get anyone to provide ME Access to my account ... I cant create an online account to view it because they have locked me out of my own XXXX information and NO ONE will help me. This is not the 1950 where it takes 2 months for this to clear up. They are suppose to be able to send me a verification code to my phone email SOMETHING!! You can not lock someone out of their own XXXX and offer NO HELP!! This is week THREE!! This is with Equifax
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1692g 751 15 U.S. Code 1681b ( aX2 ). 15 U.S. Code {$1600.00} 15 U.S. Code $ 1692g
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts 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 2023-08-24
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. (PA)

I have all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

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 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 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 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 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-16
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: BMO Bank, N.A. (IL)

In XXXX of XXXX, I was notified by XXXXBMO Harris Bank that I was approved for a forbearance for months, XXXX XXXX, XXXX due to COVID. The XXXX reps name is XXXX, initials, XXXX. 
In late XXXX, I received a call from XXXXBMO Harris bank to inform me that my forbearance was not approved. I was notified that the XXXX rep informed me of the forbearance approval in error. This was a problem because XXXX and XXXX payments were already missed. I then asked for a Supervisor who eventually had the recording pulled of the conversation where I was notified of the approval. The Supervisors name is XXXX XXXX. I was led to believe that since XXXX made an error, the three months could be placed on the back end of the mortgage loan. Instead, XXXXBMO Harris Bank reported a 90 day delinquency on my account, which caused my credit score to drop XXXX points. When I learned of the negative reporting, I managed to make a payment to bring my account current, early XXXX, XXXX. I had exceptional credit, score XXXX, until this error occurred. Now my credit is unbelievably low, after I have worked so very hard to maintain my credit through the years. There is no way I neglected my mortgage. My credit history speaks for itself. I need the delinquency removed from my credit report. I can not accept anything less. I have worked too hard through the years to gain an XXXX credit score to fall victim of someone elses error. Please help me,
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters says I owe them {$310.00}. I do not have any affiliation with this company or any company that they claim they purchased my debt from. I have disputed this numerous times with all 3 reporting agencies and they keep saying it's accurate when it is in no way valid.
Consumer complaint received 2023-02-22
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. (MS)

They are reporting joint accounts of radiology. The accunts that I had previously was paid by an insurance company. As far as a joint account, this account can not belong to me. I do not have a joint account with anyone. ( XXXX XXXX )