davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (MS)

Ive been mistreated and Mislead from day one.XXXX Carmax Auto SuperStores , Inc has failed to provide validation of the debt, has repossessed my vehicle XXXX XXXX, and rejected my payment tender to recover my vehicle as of XX/XX/2022. They have broken the laws Congress 15 usc 1692F, 15 USC 6802, 15 USC 1692A ; K. The amount that was financed to me and/or credited on my behalf was {$29000.00}. The cash value of the car was {$30000.00}. Carmax practices in TILA but they are not doing their due diligence to make sure consumers rights are protected at the time of the consumer credit transaction.
Consumer complaint received 2023-04-11
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. (GA)

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violating my consumer rights per the following information : Upon reviewing the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). Here are some of the discrepancies that I found : Account Type - Detail : Equifax does not provide any information about the account type, while XXXX and XXXX both indicate that it is a charge account. This inconsistency could be considered a violation of the FCRA section 607 ( b ), which requires that credit reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

High Credit : Equifax reports a high credit limit of {$650.00}, while XXXX and XXXX both show a high credit of {$0.00}. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to follow " reasonable procedures to assure maximum possible accuracy '' and to provide information in a way that is " fair and equitable to the consumer. '' Date Last Active : XXXX and XXXX both show a last active date of XX/XX/2018, while Equifax shows a last active date of XX/XX/2018. This inconsistency could be a violation of FCRA section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

Date of Last Payment : Equifax shows a last payment date of XX/XX/2018, while XXXX and XXXX show no information about the last payment. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to provide information in a way that is " fair and equitable to the consumer '' and to follow " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

In summary, the inconsistencies in the credit report violate the FCRA sections 607 ( a ) and 607 ( b ), which require credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report and to provide information in a way that is " fair and equitable to the consumer. ''
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (WA)

Please report your method of validation on how you are reporting a collection with a past due amount as accurate. 
The account was charged off and is still reporting a balance. Ive yet to receive a 1099-C for the supposed charge off amount.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IA)

My account has a hold on it since the XXXX of XXXX, 3 days after i opened the account on the XXXX. 

They are asking me to step into a bank for this but thats simply not an optionXXXX XXXX XXXX XXXX XXXX XXXX  i hardly leave my home. 

They told me on the phone they wont close my account because of this hold, whatever the reason im not sure. 

Id like my account closed and the funds returned to the original funding method used or a check mailed to me. This has been a terrible experience for me
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Thank you. 

Experian just sent me an update about my FICO score and told me my FICO score decreased. No explanation why. The dashboard indicates 4 late payments, but no information about what. I have not been late with anything in YEARS. So right now, XXXX XXXX reports my fico as of XX/XX/19 is XXXX. Experian has me today at XXXX. There is no explanation and no reason I can figure out for the decrease. I pay everything on time. I have done nothing in the past three months but decrease my debt. Nothing is outstanding. Everything I've done should be increasing my score. I try to call them and it is impossible to get in contact with anyone. I need answers as to why my score decreased and what I need to do to improve it. I think they're trying to push me to add my utility bills to my credit score, and falsely creating a decrease to force me to do something.
Consumer complaint received 2023-07-16
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. (MA)

XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with Experian, XXXX and Also XXXX and they refuse to remove them from my credit report.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-07-16
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. (TN)

Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 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 agency shall ( 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. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (LA)

Im writing to you about the missed payments on my LoanDepot mortgage account. I applied for a grant from : https : XXXX ( Louisiana Homeowner 's Assistance Fund administered by the " Louisiana XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX last year XXXX. I was awarded a grant for mortgage payment assistance for people affected by the past XXXX pandemic. The payments began in XX/XX/XXXX, sent electronically to the lender. ( 3 payments ) The grant program informed me through email, that additional money was available from Louisiana state, and I received additional payment assistance. 

Payments started up again around the end of XX/XX/XXXX, beginning of XX/XX/XXXX. Fast forward to XX/XX/XXXX, I checked my LoanDepot online mortgage account, it says past due. It shows the mortgage company actually sending back some of the grant money payments. I called XXXX XXXX XXXX  grant department, and they said they overpaid my mortgage by 3 payments ( {$2500.00} ) Because of a clerical error by the The Louisiana Homeowner Assistance Fund grant program, my account was made past due, without my knowledge, until after the fact. It has also negatively impacted my credit reports and future livelihood. I also had to be hospitalized for a short period of time the week of XX/XX/XXXX. 

Im asking for my credit report profile to be fixed with the credit bureaus and negative items removed. And Im asking for the mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be put to the back of my mortgage loan. I can resume regular payments as of XX/XX/XXXX.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I had a Business Checking Account with Chase Bank. I changed the name of my business with the Texas Secretary of State. Chase was unable to process the name change after 2 in-person meetings and closed my account and issued a check in the old business name that no longer exists. Below is the timeline of events, I am still trying to recover the missing funds : XX/XX/2023 at XXXX XXXX PT : In-person meeting at XXXX XXXX , XXXX XXXX XXXX , XXXX, CA. I provided certificate of amendment for name change. Name was successfully updated on online accounts. I am told name change is complete. 

XX/XX/2023 : I receive automated e-mail " Contact us by XX/XX/2023, to keep your account ( s ) open ''. Chase does not seem to have fully processed the name change from our previous meeting. 

XX/XX/2023 at XXXX XXXX CT : In-person meeting at XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, TX. I provided the amendment documents for a 2nd time. I was told the new business name had successfully been updated. 

XX/XX/2023 : I receive a check in the mail and notice that my account has been automatically closed. Check is issued in the old business name and I can't deposit it ( since the entity no longer exists ). 

XX/XX/2023 : I meet with Branch Manager to try and resolve the issue with my account and the check that can't be deposited since it is issued in old business name. After spending 1-hour in the branch with no progress, I inform them I would like to close accounts and request for a new check to be issued in the correct business name or my personal name. Branch Manager promises me check will be issued. I have an e-mail documenting this. 

XX/XX/2023 : I still have not received funds. I e-mail the Branch Manager asking for update. 

XX/XX/2023 : I contact Branch Complaint Escalation Group Re : internal Case Number XXXX. 

XX/XX/2023 : I e-mail Branch Manager again, and I receive a response from Branch Manager saying they are " working diligently to get this taken care of. '' I am promised an update on XX/XX/2023. 

XX/XX/2023 : No update. 

XX/XX/2023 : I drive to branch to attempt to speak with Branch Manager in person. I am told she is busy. At XXXX XXXX I receive an e-mail from Branch Manager requesting name change amendment documents ( for the 4th time ). I submit via e-mail. 

XX/XX/2023. I am still missing funds from liquidated account and file complaint with CFPB.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Statement of Identity Theft : I, XXXX XXXX, declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXX XXXX  XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX / XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXXXXXX XXXX, XXXX on XX/XX/XXXX, {$1100.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$400.00} charge-off XXXX XXXX Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

On Friday XX/XX/2023, as I was at work in XXXX GA, I received a text message from who I thought was my bank 's ( Chime ) fraud department alerting me someone was trying to use my card out of state. The message asked to verify if I had authorized those transactions, and I replied no. This message was identical to text messages I have received from my bank. However, I have never had to respond in the negative. So I received a phone call from someone claiming to be from Chime 's fraud department taking me through the steps to freeze my account and get new cards since someone had gotten access to my information. In this process they had me reset my password with a temporary provided password and said I would be locked out of my account for XXXX hours as a safety precaution. This is when I started to get a little suspicious. Before I had gotten off the phone, I received an email that my bank card was added to XXXX XXXX. I don't have a XXXX device. At this point, I got off the phone and called Chime directly to see if they had called me. They confirmed that they did not try to call me. I reset my password again and logged back in to find that the scammers had made {$1600.00} in XXXX transactions in purchases in XXXX, XXXX, and XXXX Florida between XXXX and XXXX pm. I would like to note here that I left work in XXXX GA just before XXXX, which is about a XXXX XXXX XXXX from XXXX. I have since made XXXX disputes with the bank and filed a police report. The bank made a split decision and has refunded {$410.00} to date. The investigation team at the bank has stated that they found no error occurred in the other transactions.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Consumer complaint received 2023-04-11
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)

When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}
Consumer complaint received 2023-04-11
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. (NC)

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 2023-04-11
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 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 2023-04-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : -.