davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: CarMax, Inc. (GA)

XX/XX/XXXX To : Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Consumer complaint received 2022-06-23
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: LEXISNEXIS (VA)

My right to privacy is being violated by LexisNexis, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX  XXXX XXXX  information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I sent an investigation letter, certified, to all 3 credit bureaus. XXXX, XXXX and Equifax due to a multitude of inaccuracies I found on my credit report/consumer report. ( the certified mail reciepts will be attached as evidence ) I highlighted boldly for the to INVESTIGATE CONSUMER REPORT Ther response was the information was accurate, they did not inform me of the methods used to verify these accounts and clearly they did not abide by the guidelines set for by 15 U.S.C 1681 because The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Hence, XX/XX/XXXX i sent three more certified letters, stating I have previously requested that you investigate, and you have failed to inform me of the methods utilized to verify and validate these reporting, correct the errors, but you are still reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

I also filed this complaint with you, the CFPB, the supporting complaint ID 's are as follow : 1. XXXX 2. XXXX 3. XXXX As a result, between XX/XX/XXXX and XXXX XXXX all the accounts have now been updated but still not removed as prompted and i clearly stated Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

My rights to investigation has been disregarded and violated, my 30 response was violated, everything about this is unfair, this clearly is a indication that the 3 Bureaus believe they are above the law. It is unethical and unfair for them to feel that can do a reinvestigation 3 months later! 

These are the inaccurate accounts : 1. XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX, XXXX 4. XXXX XXXX, XXXX 5. XXXX, XXXX 6. XXXX, XXXX 7. XXXX XXXX, XXXX 8. XXXX XXXX, XXXX, XXXX 9. XXXX XXXX, XXXX, XXXX 10. XXXX XXXX, XXXX 11. XXXX, XXXX 12. XXXX XXXX, XXXX 13. DPT EDXXXX, XXXX 14. DPT EDXXXX, XXXX 15. XXXX XXXX, XXXX 16. XXXX XXXX, XXXX, XXXX 17. XXXX XXXX, XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 19. XXXX, XXXX, XXXX 20. XXXX, XXXX 21. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX 23. XXXX XXXX, no account info available ( reporting from EQUIFAX ) 24. XXXX XXXX XXXX XXXX, XXXX Im attaching the inital investigation letter, the certified mail reciepts, and the current responses on my credit
Consumer complaint received 2021-11-09
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. (FL)

I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. This is not my first complaint with the CFPB, the last one did not merit any results. It only repeated what I said about having incorrect reporting on my reports.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On MULTIPLE occasions I disputed XXXX XXXX XXXXs on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( TransUnion, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
Consumer complaint received 2021-11-09
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)

Upon an investigation by the CFPB and supplied to the state attorney general, the creditor agreed to remove a late payment from the account. ( I will attach the CFPB documentation from the creditor ). Specifically, page 3, creditors statement of removal.

This late payment was wrongly placed on the report while on deferment for COVID affected status, thus wrongfully and illegally going against federal law.

However, although it shows no late payments, Equifax will not remove the negative inquiry and failed to conduct due diligence and read the removal request from the XXXX XXXX. 

Equifax will not accept the creditor 's statement to remove the late payment. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

I XXXX XXXX never enter any consumer credit transaction with Consumer ADJ for them to have my personal information. Pursuant 15 usc 1692 this is infringement upon my consumer right to privacy. By Consumer ADJ obtain my personal information without my consent Consumer ADJ have committed Fraud and Identity Thief. Furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with other business and banks.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2021-09-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (SC)

I contacted PHH Mortgage /Ocwen Loan Service . We asked them to supply us the direct phone number to Ocwen Financial Service in XXXX XXXX XXXX FL. 

We got an email back from PHH saying they are looking into my request for the phone number. 
Looking into my request it should be here is the number or no we will not give you this number. 

PHH ombudsman XXXX XXXX sent us a letter also XXXX.We will review issues raised. We were looking for a phone number is PHH stalling us or is this some sort of humor to them. 

Mr.XXXX  XXXX is representing PHH he sent us a letter dated XX/XX/2021. Another letter XX/XX/2021 that he represents PHH and then on XX/XX/2021 he says his firm acts for PHH and XXXX XXXX XXXX XXXX XXXX trustees. 

Nowhere do I have in writing that Mr.XXXX represents Ocwen Financial Corporation. 

We received an email from Mr. XXXX saying you will not be getting a phone number for Ocwen Financial Corporation and I also represent them. 

on XX/XX/2021 I sent Mr.XXXX email for him to show me authorization he represents Ocwen Financial Corporation. 
My request for proof was denied. 

We feel Mr.XXXX should produce authorization in writing why would he not? 

Respectfully, XXXX XXXX
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Adjustment Company Incorporated (TX)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit report
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$5400.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$1900.00}.
Consumer complaint received 2021-06-09
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. (FL)

I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed. 

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on Equifax and XXXX. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (CO)

I had a XXXX loan that was only to be paid back if i didn't finish the program. i was unable to finish the program or reenroll. Now I am trying to reenroll and they tell me i have a collection i need to pay from a collection company first. When i called the company they refused to send notification of the debt and said that its XXXX higher then my loan amount. They won't give me an account number or send notification. I need help resolving this as i don't feel i should have to pay this without knowing what its for.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I purchased a car seat in preparation for my son being born from XXXX. The purchase was completed through Affirm. On the day that my son was born, when trying to take him home the hospital told us that we couldnt use it because it was made with XXXX left straps ( defective ) and we had to wait to take my son home from the hospital. I called XXXX and started a return. XXXX came and picked up the car seat on XX/XX/XXXX. I still paid affirm but I alerted them that the return had been processed and that they owed me money back. They insisted that I paid, which I did, and that they would issue a refund once XXXX completed the return. Affirm then refunded me money less than a week later. 
How can I be late when they sent me my money back. I am trying to purchase a house for my family and I have to get these inconsistencies removed from my credit report.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-04-29
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. (IL)

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 a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

I appreciate your prompt attention to this matter and expect a written response detailing the results of your investigation within 30 days, as stipulated by the FCRA. If any item is not removed, please include the name and contact information of the entity that verified its accuracy.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have been a customer with Wells Fargo on and off since 2012. Back in XXXX I got an email from reemployment assistance that my information was compromised in their system which included my name, dob, social and banking information. I went on my bank statements to check and see if there were any transactions that did not look correct. I noticed some cash app transactions and also XXXX payments to someone name " XXXX '' that I did not authorize. I then called Wells Fargo and thought I had disputed everything that I seen. I got the final judgment of my claim and all the debit card transactions where given back to me equaling also XXXX. I noticed that the XXXX transactions were not listed in the claim so I called and made a claim towards those. I waited 10 business days and contacted them and they told me my claim was denied because it seems to appear the transactions where made by me or someone I may know. That is insane that over 159 transactions were denied for no reason. My claim was equal to XXXX. This is unacceptable to just deny my claim for that amount of money like they do not even care.