davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (GA)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (TN)

I never received a bill from the hospital because the address they have on file is not associated with any address that I have lived at. I have called AWA collection agency and provided my daughter insurance card and the claim # to a processed and paid claim several times Since 2016.
Consumer complaint received 2023-02-08
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. (MA)

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 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (OR)

I'll try to keep this concise. 

I've been using Dave for 3 years, begrudgingly for 2. In all that time, I've never actually been able to transfer cash out of Dave.

Setting it up was super easy, the initial few thousand sent to Dave from my

credit union went very smoothly and without a hitch on either end. However, the first time I tried to pull cash out back into my community credit union account I was told the " verification issue '' was because my account was too new and it was to prevent fraud and I'd have to deposit more cash or get a debt card from them to withdraw from an atm instead. 

When I tried to withdraw from atms, the card would decline either as stolen or have an error code of another kind. The same thing would often happen at the gas station, leading my closest XXXX XXXX ( XXXX ) to add it to their speil they tell me that dave 's cards often refuse and to expect it to - probably in part due to my experiences with them. 

So I waited, and the app told me I would be faster verified if I added direct deposit - so I added that, and now I have XXXX in dave and over a year of history, that should make me ultra verified and make transferring smooth as butter, no? Wrong. 

Suddenly dave is having issues with my credit union, and is working on a fix. Fine, I'll wait for that issue to be resolved, and then I'll finally be able to transfer that cash out, and actually use it.

That was 2 years ago. I've tried contacting dave support every few months to see if the XXXX issue is resolved, to see if the verification issue has been looked into with my account, to see if there's any way to actualy withdraw more then {$100.00} at a time without my account being flagged and it being a massive hassle to resolve. 

I get told they're " looking into a fix '', I get told " there doesn't seem to be a verification issue with my account '' ( despite the app always telling me there is ). I'm still setting off fraud alerts any time there's a significant amount of money out, smooth as butter to put thousands of dollars in though. And looking back at the photos of chat responses on this issue, I don't even think they're looking at my account, it's just the same copy/paste response about what SHOULD work but doesn't work at all for me, along with " we're working on a fix! : ) '' for literally 2+ years now. 

To end before ranting any more, if what I'm describing isn't illegal, it definitely should be.
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc. (HI)

I was pre-qualified for a loan from this company in the amount of {$110000.00} on XX/XX/2023, for a XXXX fixed paying {$1000.00} per month. Once prequalified, I submitted an official application and officially approved for the XXXX fixed previously mentioned. I proceeded to finish the application process until I reached the page where I choose my loan. On this page I was only allowed to choose a XXXX fixed at a much higher monthly payment. I stopped and called the company on XX/XX/2023 to get the rate that I was approved for. 

When bringing this to the associate 's attention he acknowledged that this was an ongoing issue with their online system and that he could see my XXXX fixed on his system. But I could not access it on my end. I was told that I should wait to see if the system updates on its own. The associate also told me that he would work on his side and everything should be resolved in a couple of days. I received no follow-ups and no resolution by XX/XX/2023 so I emailed the associate who I was working with and told him I would be submitting a complaint to the CFPB. No response. 

I had to call the company on XX/XX/2023 to receive a follow-up. They told me the same thing that I needed to wait for the system to update and that they will work on their end. I waited until XX/XX/2023 before emailing again and reiterating my frustrations and that I will be submitting a complaint. No response. 

At this point I had to go with a loan that I did not desire because my credit had already been pulled and the due dates for my XXXX loans is approaching. Now, I may not get the funds in time and will have to make a higher payment than I planned for this month because this company did not abide by what they approved me for. They did not resolve the issue after submitted two formal complaints and have caused me financial hardship in a time that I can not afford it. 

This is deceptive and predatory. Complete lack of competence and consideration for customers. I will be following up with a lawyer.
Consumer complaint received 2023-02-08
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. (GA)

I began disputing inaccurate information on my credit report XXXXXXXX XXXX XXXX with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I began disputing inaccurate information on my credit report XXXXXXXX XXXX XXXX with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
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. (GA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX LOST XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

I was sent a email from XXXX about an invoice in the invoice had if you did not authorize this to call this number. So I called the number and was asked to authorize a XXXX payment to prove that I was the person sent the invoice and that the XXXX payment would be cancelled so I did the XXXX authorized payments and they never cancelled or returned my money like they said it was all a scam my bank pnc would not work with me to return my money.
Consumer complaint received 2023-02-08
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Oh
Consumer complaint received 2023-02-08
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. (FL)

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX CREDIT XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XXXX XXXXXX/XX/2022
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (VA)

On XXXX/XXXX/203, I received a letter from Avante offering me a one-time payment when they never sent me a letter to inform me of this alleged debt. I sent them a certified letter dated XX/XX/2023 requesting debt validation, and it shows that it was delivered to someone on XX/XX/2023. 
XXXX XXXX number : XXXX On XX/XX/2023, I received a notification from my credit monitoring service showing that Avante has added this new account on my report which tanked my score and negatively affecting my good name. I never received any document from them validating this alleged debt. 

I demand that this account be closed, not resold, and deleted from my credit report.
Consumer complaint received 2019-05-22
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. (AL)

I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : XXXX, XXXX, XXXX XXXX I, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2023-02-08
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. (MD)

My credit file has suffered sever damage due to Transunion negligence, with respect to the FCRA and fdcpa. Transunion Report Number dated generate XX/XX/2023 You are furnishing two inaccurate and fraudulent accounts on my credit file along with an unauthorized credit inquiry from XXXX  XXXX XXXX. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 



As Transunion conducts their investigation, I expect Trasunion to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AK)

I attached letter.My problems begun when I called for a little over a year trying to find my loan payment amount.I asked numerous times if i could just apply a payment.I was told I could not because they do not have anywhere to attach it to.I get several more months behind.I was told they needed all of my payments at once.I was not able to do so.Then the pandimic accurs.I get even more behind. I am now out of work and could not catch up.I contacted the homeowners relie program.I followed all instructions.I recieved a call after many months send paperwork in and geting the intial application steps on the portal completed. I was approved my paper work was being sent over to my mortgage company.The last thing that was explained to me was do not buy anything from anyone there was alot of fraud going around and people calling trying to get things.I was asked to only answer to the repeersenriv that a repersentive would contact me.I would check the portal ever week.No call No update.I went on to the portal to check my status for a few months. I was hearing friends and others were already getting help.I loged on and I could not believe my eyes.It read eneligible.No letter no call. I called numerous times I files three appeals.All unanswerered.I call leave voice mail after voice amail.No call.

I am so frustrated with my morgage compnnay and alask ahousing.PLease help.I have reached out to them and nothing.I emailed I calklled I went there i left messages.I even spent numerous days on life surport my electric was disconnected over all of this mess so the next thing I knew my good friend happen to stop by at 3 am because they were locked out of their home .They found me in my hall way unconscious along with some friends that stayed over.I nearly lost my life.My parents willnever be the same.I still have a lot of fog.The doctors said I was very lucky.They did not see a good outcome initially. 

I am asking that you please help me with this situation.Thank you so much for listning. 
XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX