davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (KY)

On XXXX, I purchased a XXXX XXXX XXXX XXXX from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. 

The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax XXXX XXXX says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. 

I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the MaxCare warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. 

As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. 

Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-06-07
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear CFPB, I am writing to file an urgent complaint regarding multiple billing errors that I have identified on my credit report, which constitute violations of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) - billing error. 

Violations Identified : Time to Make Payments : As per Section 15 U.S. Code 1666 ( b ) ( a ), a creditor must ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. My creditor failed to comply with this requirement, resulting in erroneous late payment notations on my credit report. 

Failure to Reflect Payments Properly : Under Section 15 U.S. Code 1666 ( b ) ( 4 ), the creditor did not accurately reflect a payment made by me on the statement. 

Computation Errors : According to Section 15 U.S. Code 1666 ( b ) ( 5 ), there are computational or similar accounting errors on the statement issued by the creditor. 
Given that the creditor did not notify me 21 days prior with a statement, there should be no late payments recorded on this account. I demand solid proof from the creditor 's bank account records demonstrating that I failed to make the payment and was consequently marked late. This situation clearly constitutes a billing error.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-11-15
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXXXXXX account ( XXXX ) # XXXX and the other account # XXXX from my consumers report. Under XXXX5 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion about a dispute on my credit report from a collection agency called, " XXXX XXXX XXXXXXXX '' and I asked them to have XXXXXXXX XXXX XXXXXXXX provide the original contract obligation that they say this debt stems from. 
XXXX XXXX XXXXXXXX didn't and couldn't yet transunion still has this account listed on my credit report. 

XXXX XXXX XXXXXXXX are currently being sued for fraud in reporting this false debt on my credit report.
Consumer complaint received 2024-05-14
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)

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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XXXX XXXX, 2023, I received an email from Chime stating that they had reviewed my account and decided to close my account and terminate relationship with me as a customer. I was confused because I have over {$4000.00} in that account ( escrow for a court case ). I had not used the account in any way, shape or form that would violate any terms. I had fraud happen months ago and Chime refunded the money, and that account remained with that same balance, untouched and unused since. I attempted to log in and got a message that my account had been closed and I needed to contact customer service for more information. I contacted customer service, who read off a script that my account had been terminated for violating some type of deposit agreement ( which I have no knowledge of whatsoever ). I explained to them that I did not know what they were talking about and that if they closed my account, they needed to refund my money. They said I was ineligible for a refund. They refuse to give me MY money. I asked to speak with a supervisor and XXXX the rep declined. She stated she would write a ticket and that's all she could do. 
I called back again, this time with XXXX XXXX on the line as well because she was the customer that sent me the money from her Chime account. Again I was read the same script, refused a manager and after a back and forth, XXXX the rep hung up on us. Chime can not furnish any agreement legally signed by me ( because I did not sign anything ), I've never received an email indicating there was a problem with the account and they refuse to give me valid reasons of proof. They stole my money and I want them held liable or I will look to file a class action as I can see several people having similar issues. They need to be shut down permanently.
Consumer complaint received 2024-08-29
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. (NJ)

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX have violated my rights. 

The following accounts display as hard inquiries that i am unaware of & have also violated my rights. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my continued frustration and concern regarding the presence of late open accounts and late closed on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open and new late closed accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. The following late open should be corrected and remove the late closed accounts as soon as possible : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.
Consumer complaint received 2024-08-19
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. (GA)

I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.
Consumer complaint received 2024-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX # XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/2024, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have many errors on my account and the credit reporting agency is not providing any information around the investigation or proof. it makes no sense to me how an account can be charged off a dozen times and still have a balance. this does not make sense did they file this as a loss a dozen times and why is there a balance if they sold the debt? How can multiple agencies claim the existence of the debt after Charge off and the investigation shows no errors. clearly no investigation was performed. and proof of the investigation was not provided as requested.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC (KY)

Nelson Cruz and associates ( NCA ) Has proceeded to continuously call my phone when I answer ( NCA ) never says anything I took upon myself to call ( XXXX ) back and Rep asked who am I trying to reach I spoke with a lady name page XXXX I expressed that XXXX recording this call as it is my right under the ( FDCPA ) Fair debt collection practice act. Page proceeded to XXXX XXXX  I asked for proof to be mailed to me for a debt that the rep of NCA could not tell me what was owed the rep proceeded to say they have sent communication but I have yet to receive anything in the mail she also state and threatened the file had already been processed I asked them to refrain from contacting me any further as this is harassment and also playing on my phone by not speaking when I answered the excessive calls. Please someone just help Im honestly tired of going through identity theft