davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (MO)

To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by CarMax Auto Finance regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

The information currently reported on my credit file with XXXX, XXXX, and XXXX includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. 

CarMax Auto Finance never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, CarMax discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that CarMax failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. 

Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. 



If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. 

Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. 

I also request, in writing, that no telephone contact be made by CarMax to my home or place of employment. If CarMax or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by XXXX. 

It is advisable that CarMax ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

On XX/XX/year> I filed a dispute with chime in regards to my account being hacked from a merchant called XXXX for a total of XXXX XXXX They denied my claim a few days later. I reached out to the Merchant and they said they never received anything from my bank. I called Chime and let them know what the merchant said and they reopened my claim. They denied my claim again today on XX/XX/year>. I reached out to the merchant again they said they still had not heard from them. I have no reason why they have not gave me my money. They have no explanation.
Consumer complaint received 2024-07-21
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I had a business that I closed back in XXXX. After giving some time for all transactions to clear, Chase closed my account and sent me a cashiers check in the business name. With my business already closed, I have no way to cash or deposit the check. I talked to a specialist at my local branch ( XXXX XXXX ) in XXXX XXXX CA with no luck and then called their complaints number with the same results. I did all of this XX/XX/XXXX between XXXX. The check was for {$3000.00}.
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX  hard credit inquiry without permission. I didn't apply for account nor increase. Unknown why hard inquiry appears on XXXX and Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

XXXX XXXX or XX/XX/XXXX hard inquiry without permission nor application. Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

Experienced many dark web activities and ALL credit bureaus should be locked and frozen due to identity theft attempts. Birth certificate, social security card stolen by landlord in XXXX. Drivers license stolen in purse in XXXX XXXX GA and by ex. Filed with each bureau credit still left vulnerable. All pertinent Information available on dark web. Please assist. Victim of breach and bureaus didn't apply extra security measures. Received email confirmation and small electronic pmt but no security measures. Please assist. Discrimination factors.
Consumer complaint received 2024-07-21
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. (HI)

Acct Name : XXXX XXXXXXXX XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this collection Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Consumer complaint received 2023-10-30
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: General Motors Financial Company, Inc. (LA)

I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from GM Financial and 1 from XXXX XXXX on On XXXX. 

On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize.
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (HI)

Hard Inquirie Account Name : XXXX XXXX XXXX XXXX. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Hard Inquiry immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Consumer complaint received 2024-07-21
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. (HI)

XX/XX/XXXX
XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX  Experian
XXXX XXXX XXXX, TX XXXX  RE: XXXX Block Request
Dear Sir or Madam:
I am a XXXX XXXX XXXX. The information listed below which appears on my credit report is the
result of XXXX:
XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed.
XXXX XXXX
Under dispute
Date openedXX/XX/XXXX
BalanceXXXX
StatusOpen. XXXX past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusAccount charged off. XXXX written off. XXXX past due as of XX/XX/XXXX.
XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusRepossession.
XXXX  Potentially negative
Date openedXX/XX/XXXX
BalanceXXXX
StatusOpen. XXXX past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX
Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed.
XXXX  Potentially negative
Date openedXX/XX/XXXX
BalanceStatusPaid, Closed. And all Inquiries
Please block this information from my credit report within four
business days, pursuant to section 605C of the Fair Credit
Reporting Act.
Please send me notification of the actions taken. I appreciate your prompt attention to this
matter.
Sincerely,
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (IN)

I will keep on refilling this to complaint to XXXX HONDA about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

In summary, since XX/XX/XXXX I have been disputing accounting errors with Discover. In spite of discussing with a dozen Discover Customer Service people over the last weeks, the situation has only worsened. Discover owes me more than $ XXXX, yet my balance is showing that I would owe Discover $ XXXX! 


On XX/XX/XXXX, I made an internet payment for the month 's balance ( of {$3700.00} ) by paying {$3400.00} through my XXXX bank account to my Discover card, as well as redeemed {$37.00} cashback bonus by paying into discover account. However, there was already a direct pay from my XXXX  account to discover to pay the full balance of {$3700.00} that shows under XX/XX/XXXX. In short, I overpaid discover card by {$3400.00}. 
I called up Discover to return the {$3700.00} back to my XXXX  bank account. 
The old card however needed to be closed down for security reasons, so Discover card gave me a new account number. 
Instead of getting the extra money I had paid to discover being reimbursed to the new account, the Discover card instead has now been CHARGING me for the {$3700.00} twice -- once on XX/XX/XXXX and another on XX/XX/XXXX. 
Instead of showing a balance of $ XXXX ( that is, money Discover owes me ), it is now recording a balance of {$11000.00} from XXXX XXXX XXXX. 
I have called many departments since XX/XX/XXXX, with the last being today ( XX/XX/XXXX ) and instead of getting my balance reimbursed, I have been fraudulently charged by Discover Card {$7500.00}. I get shuttled between departments ( customer service, billing and security ) without any resolved and additional charge. 
In short, I not only want my old credit transferred onto the new card, I want the XX/XX/XXXX and XX/XX/XXXX fraudulent charges reversed.
Consumer complaint received 2024-07-21
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. (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (WV)

I had attempted to make a purchase with my debit card, the transaction was denied. I tried to login to my online banking app and was given a message that my account was locked, I called the number the app gave me, and was transferred to the fraud department. They told me that they closed my account due to suspicious activity and did not give me any warning or anything. I had this happen with a previous Truist account as well. 

I also went to my local branch to figure out what happened and again they were told the exact same thing, and they couldn't reopen my account or anything.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: XXXX XXXX XXXX XXXX XXXX

ADDRESSSES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ACCOUNTS: OPEN XXXX XXXX XXXX (BALANCED UPDATED XXXX XXXX XXXX) XXXX Repossession XXXX XXXX XXXX XXXX  OPEN XXXX XXXX XXXX (BALANCE UPDATED XXXX XXXX XXXX) 12 LATE PAYMENTS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE UPDATED XXXX XXXX XXXX Repossession AND XXXX  POTENTIALLY NEGATIVE MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original balance XXXX  Paid collection
Consumer complaint received 2024-07-21
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. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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. (CA)

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report : XXXX XXXX XXXX {$260.00} Original Creditor XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On the XXXX of XX/XX/XXXX, I travelled to a XXXX XXXX XXXX XXXX XXXX retail branch located at XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX. The retail branch XXXX, XXXX XXXX, processed my payment for {$3100.00} in cash ( USD ) toward an auto loan. My payment brought the account balance to {$0.00}. 

XXXX XXXX provided a signed statement to detail the transaction and current balance. 

On the same day ( XXXX of XX/XX/XXXX ), I initiated disputes with all three credit reporting agencies : Experian, XXXX and XXXX. Included with each dispute was a copy of XXXX XXXX 's written statement and a statement transaction to detail account transaction between the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

The statement transaction highlighted my payment of {$3100.00} on the XXXX of XX/XX/XXXX. 

XXXX and XXXX updated my credit information on or before the XXXX of XX/XX/XXXX ( approximately XXXX business days later ). 

Experian refuses to update my credit information, and as of the XXXX of XX/XX/XXXX claim to have verified the balance of the auto loan has not changed. 

This is the second complaint I have filed this year against Experian for failing to perform the due diligence necessary to report accurate information.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (TN)

15 U.S Code $ 1681c2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN