davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc. (GA)

Greetings, Returning from the holidays, Ive received today in the mail a notice of repossession from Carmax Inc dated XX/XX/XXXX  pertaining to account # XXXX. On XX/XX/XXXX, Ive registered mail a negotiable instrument, ( registered security ) paying the balance in full, XXXX, delivered on XX/XX/23. Carmax Inc. has yet to reply, which is a violation of my consumer rights. 

Pursuant to the XXXX XXXX Codes for ex. UCC 3-603, 3-604, & Contract laws this is to inform you that you are in default of the above-referenced account number. 

Please be advised that I, XXXX XXXX, the holder of a certain promissory note/coupon dated XX/XX/XXXX  made by you in favor of me in the original principal amount of {$62000.00}. 
You are hereby notified that you have defaulted to honor the tender of payment that was sent to you in good faith. If I have made an error in endorsement, kindly return my negotiable instrument in which I may correct any sed errors. Would appreciate any instructions if need be to have this matter resolved. Its been almost three months without any notification or correspondence regarding the delivery. 

I also have attached a rescission letter, along with USC fair practices, for your review, as repossession is a violation of my consumer rights. ( see attachment ). 

Seemingly that is the only correspondence CarMax has been willing to express, Arbitration is not mandatory yet still can be filed if no compliance has been made. I Would like to work together to rectify this issue in a speedy manner, as I am very surprised Carmax Inc. chose to blatantly ignore and has not communicated regarding my security, leading now to threatening with notices of repossession. My main objective is to satisfy the public debt correctly and have this set off completely as PAID in FULL.

Ive protected myself by filing UCC1 in the state of Georgia, against all of my collateral including this vehicle. Lets please work on honoring the endorsement. Thx
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested from the three major credit bureaus Transunion, XXXX, and XXXX to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (DC)

Dear CFPB, Based on a recent review of my account, American Express decreased the credit limit my account. Their decision was based on the fact that : " Based on your credit report, you have too many requests for credit or inquiries from debt settlement companies '' I am not aware of any request at all from debt settlement companies, nor have to intention to apply for one. On a recent XXXX report pulled as of XX/XX/XXXX, I found out that I do not have any " hard inquiries '' related to debt settlement. 

I am also reminding American Express that I am a victim of identity theft. My information has been exposed twice, on XX/XX/XXXX, and most recently through an incident referred to as the " XXXX XXXX XXXX '' XX/XX/XXXX. Someone is actively using my information to apply for new accounts. All 3 credit bureaus have been alerted and an extended fraud alert has been set on all 3 credit bureaus since XXXX. American Express should have seen this on my file before making an accurate decision on the account change.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (CA)

No proof or verification of this debt or that the law and regulations to report, therefore all negative items must be removed. 

XX/XX/2023 the company reported this account XXXX as a charge off. Account shows balance of {$18000.00}. This account need to be removed immediately.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Today, XXXX XXXX, I received an emails from your company indicating your company added my husband name as a spouse, which I deleted before, just because he was not co-applicant or whatever. One of mail ( XXXX ) stated to submit the documents to remove fraud alert. Since I am on process to request extended fraud alert, this email was really indignant one. If this company considers I should remove the alert without asking me and consent, this company needs to explain the reason with written statement.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (CA)

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or VW CREDIT INC customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-22
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: Experian Information Solutions Inc. (PA)

This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as experian, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and Experian are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

The following disputes require further review by a government agency. 

CitiBank disputes : XXXX - {$440.00} XXXX {$130.00} XXXX {$320.00} Dispute XXXX was resolved in my favor, the above disputes were raised for the exact same reason but for some reason they are being treated differently ; for some reason Citi keeps asking me to go back to the merchant to resolve an issue I already tried to resolve with the merchant. I would not be raising the dispute if the merchant was adhering to the policy stated in customer service chat. 

Here are the in depth details. 

I raised multiple disputes for charges with a merchant called XXXX XXXX XXXX XXXX citing they are refusing return of many items that were eligible for return. 

Dispute was raised because I asked the merchants customer service chat system if I was allowed to return sale items. In the chat the merchant customer service responded yes that I could return sale items. 

I have screenshots of that chat confirming all sale items could be returned. 

I proceeded to make many purchases on this website based on the ability to return sale items. 

Upon receipt of goods when I tried to return the items that did not fit, the merchant cited some sale items could not be returned which was not what was explained to me at the onset PRIOR to purchasing. 

At the point of purchase, and at the final purchase window FINAL SALE was nowhere to be found. 

After reaching out to the merchant and trying to resolve it with them directly ; the merchant said some items could not be returned. 

After merchant refused return, I called CITIbank customer service and explained the issue. The Citi agent told me to raise disputes for all orders where the refusal of return was taking place, and keep the items they would not let me return until the dispute was resolved. The CITI agent told me to keep the items that were not allowed to be returned, file disputes and ship back what was allowed to be returned. 

So I followed the direction of the Citi agent. 

I raised the disputes and now CITI is asking me for proof of return, which is counter to what th agent told me, I returned the items eligible for return and raised disputes for the items that the merchant refused although I have in writing from the merchant that ALL items were eligible for return. 

Citi is asking me to go back to the merchant and resolve something I tried to already resolve ; thus Citi is not making the concerted effort to resolve the problem. 

I still have the items the merchant refused to allow me to ship back and will ship them back when I am able to generate a return label, and the merchant gives me a Prepaid label that I do not have to pay for.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Doing Equifax data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called Equifax many time and got no where. 
All so asked them about the date breach lawsuit and the money Equifax owes me.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.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 States : 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. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XX/XX/year> Equifax, XXXX and XXXX XXXX notified a breech of my ss # amongst many thousandths was exposed by a hacker group XXXX. Because of this I have had unusual happenings.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,