davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TX)

Carmax is causing my estate damages by alleging that it owes a debt. The application acts as the note Carmax received and deposited it into their financial institution and it is the collateral security that is being used in this credit transaction. The Federal Reserve Act strictly prohibits banks using real property as collateral. I have repeatedly ask Carmax to deliver the note not the contract. The note belongs to the estate and the heirs are entitled to equitable relief in order to satisfy any claims since the interest is due to the registered owner of the security Carmax is required to given investor all proceeds. This is a violation of security trading laws and tax evasion because Carmax is not paying the taxes on this account either. 
2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Consumer complaint received 2023-07-06
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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. (PA)

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 2023-07-06
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2024-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX my daughter and I submitted an application to assume the mortgage of the home we are purchasing. Nothing in the Mortgage or the Application stated the we were required to be blood relatives of the transferor. We submitted 410 pages of documents with the application. Weeks later additional documents were requested, including that we prepare an Assumption Agreement that was signed by the transferor and us. When we called to request a form to use we were told that they had no form for the Agreement. We complied and submitted 145 more documents. Today we received a vague denial letter stating that our application was denied and " Loan not assumable ''. When we called we were told that we were declined because we aren't blood relatives. At no time in the lengthy process were we told that this is a requirement, nor have we been able to get answers to our questions about this. We have reviewed XXXX XXXX Guide Section 8406.4 which clearly states that we DO NOT have to be blood relatives. Rather under section 8406.4 ( d ) " the Servicer must prepare a written assumption agreement that must be signed by all parties ... '' WE PREPARED THE AGREEMENT AND IT WAS SIGNED BY ALL PARTIES. Chase is disregarding and misapplying the rules and if this was a requirement why not disclose it up front and not even accept the application. We strongly suspect that Chase is not being honest. Since our credit is excellent and we meet all other requirements we believe that they denied our applications because of my age ( XXXX ). This entire process was ridiculous and so shady.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX. My wife XXXX XXXX XXXX and spent XXXX XXXX  in the XXXX, and has been in and out of XXXX and XXXX XXXX XXXX XXXX As if that wasn't enough, we had a house XXXX this year and have been displaced from my home and moved. 

In XXXX, Capital One bank acquired my existing BJs mastercard credit card account from XXXXXXXX XXXX which had a {$0.00} balance, right around the time that my BJs annual fee was charged. 

Capital One turned off my autopay when they bought the account. They changed my card number. And they started charging me late fees and interest because the {$55.00} annual fee that was immediately charged was not paid. 

They turned off my autopay and changed my card number. I have been busy dealing with the XXXX and my wife 's care. I did not realize this was a problem until I got a credit monitoring alert this week showing a delinquent account with capital one, a bank I did not use. I suspected fraud and investigated. I found that nobody stole my identity but that the bank itself has perpetrated a fraud on me. 

I recently got ahold of some of the missing mail and found the new cards they sent, called capital one, and asked them to waive off the late fees that they caused by turning off my autopay and migrating the account. 

The first representative I spoke to was very understanding but was only able to waive some of the fees. I asked for all the fees to be waived, because Capital One caused this entire situation by acquiring my account, turning off autopay, and billing me so many late fees and interest on one {$55.00} annual fee charge. Today, XX/XX/23, was the first date I found out I had a capital one card or that it had over {$100.00} of junk fees added to it that they will not remove. I spoke by phone to a supervisor who confirmed they could or would not waive the fees. I am speechless. 

These fees are illegitimate. Capital One created them out of thin air. I had autopay. I had an existing account that was always paid on time and had been paid in full. I did not use the card. I did not activate the card. I did not receive the card until now. I did not even agree to be a capital one customer. I never applied with Capital One. It is an absurd situation. They caused it to happen. The least they can do is waive all the junk fees they're charging and fix my credit report. 

I don't know what to say here. I set up online banking and authorized a transfer for the {$55.00} I guess I owe tonight, but as far as I'm concerned that's what I owe. I did not agree to, authorize, or have any knowledge of any of the rest of this. My mail is delayed due to the XXXX. I don't know what they expect from me but this is just absurd. 

Please help. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. National credit systems acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MN)

I attempted to verify this debt and received an invalid response that did not satisfy original requiest. I originally requested that Target send me a signed contract, instead I recieved a copy of a bill. According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide requested information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. I also have no knowledge how they are claiming i owe any money. I have never been to the hospital they claim i owe.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Unfortunately, my vehicle was stolen in XXXX and again in XXXX. To make matters worse, my wallet was inside the vehicle at the time, which contained my Social Security card, driver 's license, and passport. 

As a result of this unfortunate event, I have become a victim of identity theft. Unauthorized individuals have opened multiple accounts and undertaken various activities under my name without my consent or knowledge. I am extremely concerned about the potential consequences and implications of this situation. 

I urge you to take immediate action to address this matter and provide any necessary assistance. I kindly request that you freeze any accounts associated with my name and take appropriate measures to prevent further unauthorized activities. Additionally, please let me know if there is any documentation or evidence required from my end to rectify this situation promptly. 

Furthermore, I would greatly appreciate if you could share any recommended steps or procedures, I should follow to mitigate the damages caused by identity theft. Any guidance or support you can provide in this matter would be invaluable to me. 

I understand that dealing with cases of identity theft can be complex and time-consuming, but I truly hope for your swift action and utmost attention to this matter. I trust in your expertise and ability to handle such situations efficiently. 

Your immediate attention to this matter is of the utmost importance to me. Please acknowledge the receipt of this email and indicate the steps you have taken to address the identity theft and unauthorized activities. 

Thank you for your understanding and cooperation. I eagerly await your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA Section XXXX. Despite my submission of a XXXX deletion request on XX/XX/2024, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/2024 : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/2024 : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/2024 : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA XXXX XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/2024 : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX  days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX XXXX Spoke with multiple Equifax representatives XXXX clarify my request : XXXX, XXXX Department XXXX XXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan EARLY!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2023-07-06
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. (NY)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-07-06
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'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 2024-02-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

on XX/XX/XXXX I received an alert on my credit monitoring system about a supposedly owed debt on the amount of {$18000.00} to XXXXQ Data Internacional from a creditor named XXXX XXXX XXXX  XXXX XXXX XXXX ( TX ) allegedly obtained on XX/XX/XXXX. 

The same situation happened last year where my identity was stolen and used by a different apartment complex also located in XXXX XXXX, Texas. It was a burden and a stress to go through the process of proving that my identity had been stolen and I did not obtain such debts. I don't want to go through all of that hassle again. 

So I am attaching all documentation from last year 's complain, along with the police report. My credit has been frozen since XX/XX/XXXX, and credit alerts has been in placed on all bureaus before this incident and yet, there are creditors that doesn't even perform a proper verification.