davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: CarMax, Inc. (NC)

This complaint pertains to Carmax and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, Carmax, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to Carmax and the CRAs ( XXXX, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to Carmax and the CRAs for your reference.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and i am an international student, I deposited a check in chase bank for my XXXX fee for my XXXX and the bank has kept my funds on hold as they are not able to verify the check maker from their end but the check maker has called them numerous times and notified that he didnt any call for verification and thus resulting me to face the issue as my funds are not released even after the verification from check maker.
Consumer complaint received 2023-07-26
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. (NC)

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) Experian, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( Experian, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) XXXX, Equifax, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. 

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( XXXX, Equifax, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

I bought Furniture at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX on the XX/XX/XXXX. The cost of the Furniture was {$2000.00}, so the Seller got me a finance Company called ACIMA CREDIT LLC to finance the loan. He told me that I will not be required to pay any interest for 3-6months. After the purchase, ACIMA deducts {$160.00} to {$160.00} from my account every two weeks. I called ACIMA on the XX/XX/XXXX to complain of my financial hardship and to know how to clear the loan. To my surprise, their Customer representative told me that the total amount I need to pay is {$4400.00} and that I just paid about # XXXX XXXX and my balance should be {$3.00}, XXXX. I told her that I will not be able to pay that amount unless they want the Furniture back. She said that she will send me a return slip but that I will forfeit the amount I paid already. I called ACIMA again today and was told that the 3 months Grace period expired on that XX/XX/XXXX. Meanwhile, I called ACIMA on the XX/XX/XXXX but the Representative I called did not tell me about that. I now opted to pay the remaining {$1000.00} to close the case but was told that I need to pay {$2300.00} including the {$1000.00} deducted from my account by ACIMA. Since XX/XX/XXXX was the last day for their grace period for the loan, I am required to pay interest of {$1300.00} for taking a loan of {$2000.00} for 3days. This is very unfair.
Consumer complaint received 2019-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

I have called twice within the last week to obtain information about my eligibility for and options regarding repayment plans, due to a change in circumstances. Navient the loan services has refused me information and has attempted to tell me that they can not discuss what options I have available to me until I have an outstanding payment or negative balance on my account. I have asked to be informed of my choices and options and let them know my circumstances will be changing. They are hostile and uncooperative. They are unwilling to discuss my options and are telling me that until I have a statement that shows a payment needs to be made or I am late on payments they can not discuss my options. I have previously had issues with this servicer and I know that when your account is past due they are unwilling to work with you as well. It appears they are attempting to stall in order for me to be late and the company to capitalize on interest.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I was switching banks. I was going to transfer funds from XXXX account to Chase account. I was told by branch manager that the easiest way to do this was to write myself a check ( up to XXXX ) and transfer money slowly that way. This was on XX/XX/XXXX. 
I went home wrote check from XXXX account to myself for the amount of XXXX and took a picture on mobile app to deposit it. Check denied as front was not signed as I had made mistake. I signed check, took picture again and attempted to deposit. Account closed hours later for " fraudulent activity '' I called to re-open and they would not. Spoke to multiple people on multiple days. Was told on XX/XX/XXXX after going to branch I opened account that there was nothing they could do to re-open account but not to worry it was closed and check would NOT clear my current account at XXXX. 
On XX/XX/XXXX the check cleared XXXX XXXX. Chase claims they were not in my account, but on mobile app with XXXX it clearly shows it was deposited in JPM Chase account. 
I have called relentless amounts of times. Sent emails and no one can " find '' the money and if they do find the money tell me it can not be released. Stating it was fraud. I explain the situation time and time again to them and that I made a simple mistake that most people make daily and it does not matter. They still currently have my {$2000.00} and still no one can tell me when I will receive this money, IF I will ever receive the money and any sort of time frame for what is going on. 
I would just like to get my {$2000.00} back as I am currently in the process of buying a home and going back to school. It is MY money and I should have access to it regardless of the circumstances.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX 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 2023-07-26
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. (IN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-25
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 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 2019-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc. (AZ)

Jdmnt was awarded for an old apt complex back in XX/XX/XXXX for {$850.00}. They are reporting it to credit as XXXX as of XX/XX/XXXX, I filed a dispute with the credit bureau and they responded with a copy of the contract and fees that didnt even add up to the amount they are reporting, so I filed a 2nd complaint and they mailed a document in the mail that just said the debt is valid. I have reached out to the company since XX/XX/XXXX requesting different documents and they have yet to comply. On XX/XX/XXXX I served them certified mail with a notice to validate the debt and provide documents because I disputed the amount they are reporting. They are not allowed to contact me while in dispute and they called me that same day to tell me they received my attorney general complaint and document and that it was fwd to a mang, but wanted to know what my intentions were with the debt. I advised when they provide documents to me to substantiate there claim then I would get back to them. They also called me again today XX/XX/XXXX @ XXXX, I just rejected the call due to them not being able to contact me and they are well aware of that as they are violating The Fair Debt Collection Practices Act by contacting me. I have documentation that I will also attach.
Consumer complaint received 2019-05-21
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-21
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. (TX)

Experian is reporting incorrectly that I am 150 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

We are working with the Oregon Foreclosure Avoidance ( OFA ) program and paid a small fee for that. We have no problem with them or the program, but we do with Mr. Cooper. 

We sent in the application for modification within that program on XX/XX/XXXX. The bank did not ask for any additional documents. We went to a Resolution Conference on XX/XX/XXXX. The bank representative stated that they had not considered the new application because they had just denied us for a modification in XXXX of XXXX. They said they did not look at the new application we sent in, in XXXX. We would like to complain that they did not follow guidelines and give us a determination based on the application sent to them on XXXX XX/XX/XXXX. I can get written statements from the housing counselor and the moderator of the Resolution Conference. 

Related to this, is that in the denial letter from XXXX, they stated that the application was denied because it didn't meet one or more of a list of reasons but didn't specify. During the meeting they said it was because the loan was originated after XX/XX/XXXX and that that was an FHA rule. I looked at FHA rules online and saw no such restriction. 

Thank you.
Consumer complaint received 2023-07-25
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (ND)

This company continues to call my office number at work. They never say anything after you pick up, there is just dead air. With in seconds they then call my personal cell phone number which when you answer there is a recording stating all agents are busy and to hold. You hold, they come on the phone and do not announce who they are and will not tell you why they are calling unless you give them your social security number. 
They have been doing this for weeks now. I spoke with a representative on XX/XX/XXXX and told them they do not need to be calling my work number and to mail out any further communications if they need something instead of calling both my phone numbers 3-6 times a day. She was very rude and stated she will not mail out any notification because I would not give her my social. 

They need to stop harassing me and burning up my phone. They call from several different phone numbers numerous times per day. They spoof numbers in different area codes continuously. Today they have called from a XXXX area code and a XXXX area code alone. Both phone numbers.