davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (FL)

I been making payments ahead of time and sometime sending extra money to be applied to the principle and i have statement to. The show debt the balance goes up instead of decreasing after i am paid at front all the time my total amount dude show {$0.00} and but carmax sent statement with amount {$3800.00} on XX/XX/2022 and on XX/XX/2022 they sent one with my balance XXXX how is posible when i paid ahead all the time and my principal is the same
Consumer complaint received 2023-03-29
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. (MN)

In accordance with the fair credit reporting act. The list of closed accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXXXXXX : # 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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-04-05
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. (PA)

This is a complaint against timeshare XXXX XXXX. I can't remember the names of their employees I spoke with but all of them claimed to be something other than a salesperson and that they're not working on commission. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as {$200.00} credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I'm old, I'm already at my XXXX 's and already have some medical conditions and having this timeshare only makes it worse, it doesn't even help me relieve stress at all. We felt like our age we're taken advantage of. They lied about maintenance fee, they lied saying we can resell and other sales tactics. As old people, we felt like we were taken advantage of, they used our age to defraud us.
Consumer complaint received 2022-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MI)

Received a call from Rocket Mortgage representative on XX/XX/XXXX asking if I would like to apply my partial payment of XXXX towards my XXXX bill. I asked him what my bill was and he stated XXXX. At this time, I was happy with the process that had taken place with XXXX and Rocket Mortgage working together helping people in need due to Covid-19. However, this is where my complaint begins. I called XXXX and asked them how much they sent to Rocket Mortgage. They stated to me {$5900.00}. I had to call them because there was no break down toward how much was being paid out. One part of my Complaint is I would like to see the breakdown of what Rocket Morgage asked to be paid from XXXX. Reason for this is while looking over my XXXX statement on page XXXX I had seen between XX/XX/2022 to XX/XX/2022 I had occurred Foreclosure expenses of Title search ( {$220.00} ) and Appraisal Cost ( {$620.00} ). Which Should not even be in there because XXXX sent them paperwork XX/XX/2022, stating I was working with them, and I was approved for their services. However, Rocket Mortgage started the foreclosure process any ways. I talked to a representative who confirmed they did in fact received XXXX paper. I did a complaint with CFPB number XXXX. Rocket Mortgage did respond back and stopped the Foreclosure. But here is where complaint number XXXX begins. XX/XX/2022, Rocket Mortgage sent all my delinquent amount to XXXX. The XXXX guy set up an appointment to come to my house on XX/XX/XXXX, so not sure why the cost why sent out after. Even with this being all said with my application coming to you approved before Rocket Mortgage stated the Foreclosure there should not be any fees I have to pay, due to Rocket Mortgage should have never started the process. Which they did stop. when I received my XXXX Statement and did the math of what XXXX stated they paid ( {$5900.00} ) to what the automated message stated I have paid to date, ( {$5700.00} ) there was {$220.00} missing, which to me looked like the Title Search amount. But why am I still being charged the full {$850.00} for the Foreclosure fees. I read in the XXXX billing statement page XXXX " If you do not pay this amount, you may incur additional costs and face foreclosure. '' How can you bill me foreclosure fees with that as a statement in your billing statement?
Consumer complaint received 2023-03-23
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. (LA)

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 inquiries. 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 2022-10-22
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: Credit Karma (DE)

XXXX XXXX Youre in violation of credit reporting act 15USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. THE DATES LISTED BELOW ARE DATES MY CONSUMER REPORT WAS PULLED AS OF XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX 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 2022-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017. 

If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

Thank you.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  is reporting my payments every month through XXXXXXXX However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}.

There is a consorted effort with XXXX, TransUnion, XXXX, XXXX  and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to TU that my balance went up {$240.00} and my XXXX went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) XXXX  also continues to report incorrect updates to my balances as well.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED MORTGAGE CORP (MD)

I had a forbearance with my mortgage company United Mortgage. I had to pay for 3 months & not miss a payment for it to be final for a year. In XXXX of 2021 I was sent a letter from UNITED MORTGAGE that they sold me loan to XXXX XXXX and I should not send them XXXX payment. I stopped paying them and sent payments to new company which I was unaware these checks were not cashed only three. I spoke to XXXX  which told me that my payments were received and they were working on locating my loan to apply my payments. Now were in month XXXX I receive paperwork from United Mortgage stating that I owe them XXXX lawyer fees etc to reinstate my loan. Now Im calling United Mortgage asking how is this possible they sold my loan I have been paying another company. They now said it was a error my loan wasnt sold. So how can they do this. This is a error on there end. I have the paper work I sent to their lawyer. They tried to ignore this issue. So I said well I have the money that I was paying in forbearance they need to put these months on end of loan reinstate my loan since its there error. I have yet to hear anything. I want this corrected by then asap. If it was not for there error I would not even be in this situation. I was paying everything on time. This is incompetent and negligent. Thank you so much. This is my home now Im facing foreclosure because of them!!
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-08-09
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: Affirm Holdings, Inc (CT)

So on these dates XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America keeps debiting my Credit card even though my credit card balance is XXXX. Every month they debit my card and then send me a check, but I don't have use of the funds for those times and it has caused hardship for me resulting in overdrawing my bank account.. have contacted their customer service department but it still occurs. I don't think it is fair for a big financial company to be able to use my money without recourse.
Consumer complaint received 2021-08-16
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

i opened a coinbase account because i thought the company was reliable i have receipts of me sending money into my coinbase account i sent several hundred dollars into the account so there is money in there but im not getting access to it coinbase has pretty much taken my money and will not give it back the username of my account is XXXX and i funded the account from the bank account in America its ACH so i can see when i put the money in
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited (TX)

On XX/XX/2021, I received this email from them : " Please be informed that a business decision has been made and your account has been closed due to our internal policies. Unfortunately, due to our privacy policy we will not be able to provide you any more detailed information. '' They took all of my personal information and private business information as an application and then denied without reason.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (FL)

Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a Cain and Weiner - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written Cain and Weiner to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, Citibank notified me via email that an EFT payment for {$130.00} scheduled on a XXXX checking account for -- note this -- XX/XX/XXXX could not be processed. Then on XX/XX/XXXX, {$380.00} another EFT scheduled for XX/XX/XXXX could not be processed. On XX/XX/XXXX, another {$190.00} could not be processed yet I was not notified until XX/XX/XXXX. 
After researching the XXXX account, I found there was ALWAYS funds to cover the EFTs. The XXXX account was NEVER overdrawn since inception. A call to Citi invoked a conference call between the Citi senior representative and a XXXX representative. 
It was confirmed by XXXX that there was always funds to cover the EFTs yet absolutely no record of any attempt by Citi to collect funds. 
A complaint to Citi resulted in an email exchange with Citi 's Executive Response Team. I requested the documentation for their excuse that the account was 'frozen ' or Citi was an 'unauthorized user ' in emailed correspondence. Citi have produced none. XXXX relays the EFTs were never presented nor was there ever a freeze or unauthorized used of the account. Citi was paid through this account from XXXX to XXXX. 
Citi requested a payment on XXXX, XXXX of {$200.00} which was received and confirmed on XX/XX/XXXX YET they reported an overdue and over the limit account to the XXXX major credit bureaus, maliciously harming my credit. Citi had options. They could have produced the reasons from XXXX in a timely manor. Inasmuch as XXXX failed to notify Citi -- if that were true -- of the actions, I should have been notified of the problem. That would have initiated a conversation of how to handle the situation. Today, I don't know if XXXX is at fault ; they deny any knowledge of the situation, yet Citi blames them.