davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
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. (LA)

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification.

Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that.

You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification.

I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court.

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Consumer complaint received 2019-06-04
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. (GA)

I have been a victim of identity theft and submitted all proper documents to Transunion credit reporting agency that relieves me of all financial obligations to underlying creditors. However, under the Fair Credit Reporting Act, pertaining to Fraud and identity theft. Transunion have not blocked/ removed the accounts listed in this complaint. It has been a nightmare dealing with this issue. I am not suspect, I am a victim! I do not deserve to have my character and good name destroyed by someone using my identity to obtain credit. I do not understand or know much about credit, I was told what to do by fraud department at Transunion. Particularly, Mr. XXXX a Supervisor in the Fraud department. Once the identity theft report was receive by Transunion, accounts listed would be deleted/blocked. I am reaching out to CFPB in order to assist me in resolving this issue. I sent Transunion documentation over 30 days ago. However, my credit file is still showing these accounts. Thank for your time and attention in regards to this urgent matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as XXXX XXXX. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 6. The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX  XXXX ACCOUNT # XXXX are causing harm to my credit reputation and financial standing. 

7. All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (PA)

I had a problem in my basement and got sump pump installed in my basement and waterproofing use XXXX XXXX to give me and my husband a loan and told us that it would be 365 days with out no interest and the first 6 month we didnt have to pay well the month XX/XX/2019 we new we had pay but never got a due date and any paper work from XXXX XXXX so we went by are contract that we got from waterproofing specialist when we sign for the loan that it was 365 no interest we got only one call in XXXX never stated in the call who was calling call was drop and never got a call into I called in XXXX to discuss different situation And at that time I was never told anything bout when payment was due at anythime and not even if we didnt make payment. By due date that 365 days would be canceled and wen we took are contract to XXXX that we sign he said it wasnt valid that what he had was valid but never showed us what they had in document and I said I never sign anything with them manger stated he must took my arm off my body and sign very disrespectful And I didnt appreciate that at all the front desk XXXX try explain that we never got welcome letter till that day we went into office well both manger as really rude and didnt want here anything we had to say
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX  DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH I

N VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSIN
ESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

My card has been declined many times over the past month, and all my payments being held ( for security purposes ). When I check the account online, the balance is XXXX, and card declined. I have accepted this for a while and have used other credit or debit cards, but today my daughter who is XXXX had the card declined at a gas station and had to wait for 1 hour and 40 minutes until I was able to get Citi Card to clear the payments made 12 days ago ( on XXXX XXXX.Today is XX/XX/XXXX ). Two of the attendees just hang up on me, and the third one connected me to my checking account bank to verify the payments. While on the phone, XXXX XXXX  explained that it is Citis responsibility to get the payment, which happened only on the XXXX of XXXX, and cleared only yesterday, the XXXX of XXXX. Despite all the bureaucracy that seems to involve a simple payment made over the Citis app, even after Citis supervisor say that the payment was only cleared on XX/XX/XXXX, my daughter was still shooting me desperate text messages, because it was very embarrassing to have to wait at the gas station for the card to work at her lunch time, which was only 1 hour. She had to call up a friend who came to lend her money because Citi couldn't take care of the " problem '' right away. 
Is unacceptable to me as a client that I have my purchases declined at cashiers, that my daughter goes through this situation, that my money is being held at no interest, not even respect, for weeks. All I was told after all, was that they apologize for the inconvenience. 
My conclusion was that if I cant rely on a credit card, it becomes useless, I decided to close the account. When asked the attendant about the miles I have on it, she said she couldn't anything about it. 
Money cost money. I have had over 7k held by this financial institution for no cost, and am disgusted by it. This situation should really be reviewed by who can respect and defend the costumerrights.
Consumer complaint received 2019-06-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX is reporting on a debt that I do not owe. This debt was included in my bankruptcy # XXXX in 2012. Not only was this included in my bankruptcy, it is now past the statute of limitation. XXXX  XXXX XXXX is clearly in violation of the Bankruptcy Law act, and this account needs to be removed off of my credit file.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XXXX, 2018. Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. Experian fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XX/XX/2018.  Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. XX/XX/XXXX fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and the

y did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

NONE of these belong to me or has ever belonged to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a XXXX yr old vet whose memory is shot During this Summer had issues with Bank of America as to my balances Some during the summer it sent me approximately XXXX which it owed there after a supervisor in the XXXX XXXX advised that I was entitled to XXXX more which woud be sent by the end of XXXX havent seen the money Ive called various time and was told that check is going out in a few days still nothing my last call I actually spoke to a supervisor she looked at my file and because I wasnt able supply her with the numbers of the cards because I had many different card I said that I spoke to someone from the day before saw that I was in tiled to the XXXX I asked to speak to person I spoke to and listen to the conversation so that she can see that I am indeed entitled to the XXXX the supervisor said she will cal me back the next Which is more than a week The reality is that the bank owes me XXXX and is doing all in its power to XXXX a XXXX yr of veteran who has memor issues I told the supervisor to call XXXX in XXXX XXXXXXXX XXXX  who was the one to tell me Im owed XXXX if thi agency really wants to take the initiative call XXXX in XXXX XXXX and listen to all of the calls between and me or the other calls between me and the other service people
Consumer complaint received 2024-09-25
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)

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2019-06-04
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 (AZ)

Current Balance {$670.00}. I attempted to make a payment of {$550.00}. Credit card company stated that I would not be able to use my card for 3 months after making the payment. Contacted XX/XX/2019 to have matter resolved. Credit Card company did not resolve matter.
Consumer complaint received 2024-09-25
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)

In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being harassed but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/XX/XXXX.