davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or about XX/XX/2021 I mailed a demand letter to TranUnion, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, In the letter I notified TranUnion that pursuant to FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I have had the FNMA COVID Forberance for the 18 months allowed for my mortgage payment. I have XXXX and have lost income due to COVID. My mortgage company LoanCare. XXXX  is refusing to give me the FNMA loan Deferral for the 18 months lost and have reported my credit late 120 days to the credit bureau ruining my credit history. We have requested this help since mid XXXX with hundreds of calls and emails to LoanCare and they refuse to help. Who can help us? They want to foreclosure our home when we have been legally allowed by FNMA for the Forberance and now the Deferrel. Please help me.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (CA)

Ive contacted Experian numerous times subsequent to my identity being compromised. This with submission of FTC and Police Report with statements supporting date of invasion and theft. 

I was told that I needed to upload formation for removal. I did this however disputes return as updated on this XXXX XXXX account. 

I spoke to XXXX twice in Loss Prevention Fraud At XXXX XXXX. Since this account was paid in error. I explained this several times that it was or is one established on fraudulent basis and needs to be treated as such and removed. Both CRA Experian stated in order for them to remove it I needed to submit supporting documentation. Ive done so and it yet remains. 

This violates every consumer protection law as with those therein coinciding enforced by FCRA Ive once again resubmitted a dispute with Experian for removal. 

REPORT NUMBER # XXXX XXXX XXXX EXPERIAN XX/XX/22 In hopes this CRA will comply to the guidelines laws to protect me as a compromised consumer and Remove this account XXXX XXXX from my Credit Profile.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit report and found billing errors under 15 U.S. Code 1666 ( b ), including : Failure to properly reflect payments/credits. Calculation or accounting errors. Lack of 21-day notice before the due date, so late payments shouldnt apply. I request proof from the creditors records that I missed a payment and was marked late. Please correct or remove these errors immediately, or I will pursue legal action under 15 USC 1681n. Despite previous disputes, the following errors remain : XXXX ( XXXX ) - late dates incorrectly reported in XX/XX/year> and XX/XX/year>. XXXX XXXX XXXX ) - update payment status to " Pays as agreed. '' Please address these promptly.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION (GA)

This is a continuation of complaint XXXX. They've closed the complaint saying that they can not find my IP address in their logs, but if that's the case then it's a failure in their audit logs. But I still can not access my online account, which I haven't been able to access for over 2 months, and is tied to over a dozen CDs and a Money Market acccount.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my case is with edd and bank of america. 
Since XX/XX/2020 purchases have been charged to my account that I did not authorize. They were in different states in a single day and together they totaled XXXX dlls. Since that day I noticed it in my account and quickly I spoke to BofA to report the fraud ... from then and after calls, long waiting times, different people, different responses. Report to the police, documentation that supports my claim ... The last call I was answered was on XX/XX/2020 and the answer was, your case closed your account canceled and we no longer have to speak with you, I asked to speak to a supervisor and he told me that edd had my account closed due to fraudulent activity to fix me with them. talk to a rep XXXX he said no way, they can't and don't do that. that BofA was in charge of the money and that they have to answer. now I am the same as at the beginning. Without money, the account closed, the case closed and that I no longer speak to them. they blame each other.
Consumer complaint received 2022-07-14
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. (MN)

When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the XXXX credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-21
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, my wife and I sent a letter to XXXX, Experian, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from Experian and XXXX XXXX. The other four we should have received have not arrived yet.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (AZ)

XX/XX/22 - Received email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a debt of {$7900.00}. I responded with a request for documentation XX/XX/22 - Second email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a deb of {$0.00} XX/XX/22 - Received letter in the mail from Capital Accounts LLC saying I had a debt of {$7900.00} from XXXX XXXX Supplies Around XX/XX/22 Called Capital Accounts and asked for proof of the debt. They would not provide details.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASTA FUNDING INC. (FL)

This is a debt from XXXX to XXXX cell phone service. The debt not warranted and XXXX XXXX XXXX told me after numerous call that I did not owe this money. Again this was in XXXX, I called XXXX and terminated service to my ex mother in laws phone and step daughters phone. they tried to tell me that they could deactivate the cell phones but if the other party used them it would be reactivated. I told them I would not be able to physically get the phones after numerous calls and talking to numerous people they said they would terminate the contract. No charges would be owed. This again was in XXXX. Palisades somehow bought a collection for this transaction and has filed default judgements sending any correspondence to old addresses. They filed a garnishment through my current employer and sent the notice to an address I have not lived at since XXXX. They had to know my current address as they had to pull my credit report to find my current employer and my address is listed there as well. I filed an exemption from garnishment and they did not even show up for court. I was granted the exemption and they are still calling my employer to try and get a garnishment. I am attaching the signed exemption from the judge. The judge actually emailed me the signed order of exemption to make sure they would not get any payments. This is not even a debt I owe. I didn't know anything about palisades trying to collect this debt until they contacted my employer. This again is a debt from XXXX, 18 yrs ago that was not even a debt I owed. They can't give me any proof whatsoever or even tell me what the debt is for only that it is from XXXX XXXX XXXX. I only had them as a cell provider in XXXX so that is the only thing I can think of that this cold be tied to. They will not stop contacting my employer and threatened me today that they will just keep refiling the garnishment. I will still get an exemption because i am raising my XXXX yr old granddaughter whose father passed away. I was told that they can keep on filing to make me settle the debt. I am not settling a debt I do not owe. They are basically using harassing tactics too try to force me into a settlement.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/2021 - {$00.00} XXXX XXXX  - XXXX - XX/XX/2021 - {$00.00} XXXX  XXXX - XXXX - XX/XX/2021 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (CA)

I submitted a request for a follow suit on a collections account. I sent the information to Equifax and the collection account came back verified through Equifax. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am XXXX XXXX and my request for the correction and removing of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX  XXXX BANK XXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX UNIVERSITY XXXX Balance-
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX collection agencies, a XXXX XXXX XXXX, XXXX, as well as a McCarthy, Burgess & Wolff. 

This McCarthy, Burgess & Wolff is claiming that they are collecting a debt for this XXXX XXXX XXXX, XXXX, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company XXXX XXXX XXXX XXXX XXXX, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX  XXXX XXXX. 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point.

I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX  XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before XXXX XXXX XXXX XXXX passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

ON XX/XX/XXXX " XXXX '' ASSURRED ME THAT THE {$29.00} RETURN FEE DUE TO XXXX XXXX XXXX ERROR WOULD BE REMOVED. 
I HAVE BEEN A CUSTOMER SINCE XXXX, AND HAVE NEVER HAD A PAYMENT RETURNED. IN FACT, PAYMENT OF {$85.00} WAS NOT EVEN DUE. I HAVE MADE A TRANSFER OF XXXX TO A DIFFERENT CARD AND THE {$29.00} FEE STILL REMAINS.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE took a bill that no longer exists and added it to my credit reports. They did this to deliberately ruin my credit. Because I stopped paying them for my previous accounts which has been cleared from their records. They took an account, that was originally for {$890.00}, Date of service is XX/XX/XXXX, and sent it to the credit bureau 's. This account was originally from XXXX XXXX XXXX XXXX. But they cleared all of my accounts. Now CMRE has also found other accounts and added to me. Which were not connected to me until recently. They were my son 's hospital bills. They date back in XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$270.00} from XXXX XXXX XXXX XXXX All of a sudden these accounts have been added once XXXX XXXX XXXX XXXX XXXX their accounts. This company is trying to ruin my credit. And is trying to get more money from me.
Consumer complaint received 2021-09-24
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. (TX)

On XX/XX/XXXX I submitted a dispute for XXXX credit card reporting amount {$1600.00} for reporting different date of last activity from the other credit bureaus which is not accurate reporting. Experian is also allowing this account to report and active payment history and it is incorrectly impacting date of last activity. it has been reporting XXXX  for the past 3 years when is was charged off in XX/XX/XXXX how ever up until XX/XX/XXXX. To my understanding a charge off account should not include an active payment history. 

The response from Experian came back on XX/XX/XXXX and the results were the company that reported the information has Certified to Experian that the information is accurate. How can it be accurate when i submitted proof that the account is in fact reporting inaccurate and not FCRA compliant.
Consumer complaint received 2020-04-11
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. (OH)

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc. (CA)

CarMax collected more money than the actual auto loan amount documented in the contract dated XX/XX/XXXX. I paid more than the auto loan amount based on CarMaxs intentional fraud, discrimination, and retaliation. CarMax keeps abusing the account balance and send fraudulent notices to repossess monthly aiming to steal more money illegally. CarMax keeps adding undisclosed charges, fees, and interests illegally to rip-off the American People. On XX/XX/XXXX, I sent CarMax an official Notice of Intent to Sue CarMax in the United States District Court - Central District of California. CarMax refused to respond and escalated the retaliation and fraud. This formal complaint is to hold CarMax accountable in the federal court. CarMax is refusing the only demand which is to close the account in good standing and to notify the State of Californias DMV to transfer the ownership as the account was paid in full and was never late. A class action against CarMax is underway due to its intentional and systematic corruption and crimes.
Consumer complaint received 2022-07-25
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. (VA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}