davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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: CarMax, Inc. (GA)

Hard inquiries are illegally being shared on my Consumer Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was used without my knowledge or consent as I am victim of human trafficking of Debt Bondage. Please delete the following accounts. XXXX XXXX XX/XX/XXXX BALANCE - {$1100.00}. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE- {$1500.00}. XXXX XXXX XX/XX/XXXX BALANCE - {$4900.00}. XXXX XXXX XX/XX/XXXX BALANCE- {$2900.00} XXXX XXXX XX/XX/XXXX BALANCE- {$1500.00}. XXXX  XXXX XX/XX/XXXX BALANCE- {$1300.00}. XXXX XXXX XXXX XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL- {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XX/XX/XXXX BAL- {$120.00}. XXXX XXXX XX/XX/XXXX BAL- {$10000.00}. XXXX XXXX XX/XX/XXXX BAL- {$920.00} XXXX XXXX  XX/XX/XXXX BALA- {$6200.00}. XXXX  XXXX XX/XX/XXXX BAL- {$500.00}. XXXX  XXXX XX/XX/XXXX BAL- {$320.00}. XXXX XXXX XX/XX/XXXX BAL- {$3900.00}. XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XXXX  XX/XX/XXXX BAL- {$1100.00}. XXXX XXXX XX/XX/XXXX BAL- {$3700.00}. XXXX XX/XX/XXXX BAL- {$7500.00}. XXXX XX/XX/XXXX BAL- {$590.00}. XXXX/XXXX  XX/XX/XXXX BAL- {$2400.00}. XXXX  XX/XX/XXXX BAL- {$3600.00}. XXXX  XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XX/XX/XXXX BAL- {$8300.00}
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MO)

Discover has held XXXX of my payments in the last 6 months under review, when asking Discover why I am under review they state that I have XXXX returned payments on my account, when advising Discover that I have never missed a payment and there reviews are taking XXXX business days causing my payments to be returned as i have other auto withdrawals coming out of my account they advised to me there is nothing that they can do. I would like for a supervisor to call me back and explain to me a resolution to this problem as I am graduating to a unsecured account in XXXX weeks and would like a fair review, my payment was made XX/XX/year> and is still not showing in my available credit on my account, payments are only returned when they have waited weeks to take them and other bills have drawn out of my account weeks later and this is affecting me
Consumer complaint received 2024-07-06
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: WELLS FARGO & COMPANY (GA)

Hard inquiries are illegally being shared on my Consumer Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NV)

I have already started a separate case with them that still have not been fixed. Here is a new one. 

XXXX XXXX XXXX Customer Service XXXX Hours : XXXX - XXXX XXXX Monday - Friday Still are creating fake return payments fees on my account that I have had on Autopay since XX/XX/XXXX. I noticed the late payment fees started in XXXX. So I have been keeping an eye on my account and here we go again. I am attaching to proof off all the fake return payment fees that are reaching over {$1000.00} in charges making me stay in a contract thats probably al ready paid off. You will see when I when get charges these fees I had a credit from the company so why was I being charged? The company is not reporting how much I owe left on the car to the credit report agency accurately either. You can see the proof of this in the attached statements as well. When I called and asked why the person told me there is a glitch in the system and that fee as already been paid when I asked to speak with a manager I was told to hold and then hung up on. When I called back I was on hold for XXXX hours then hung up on again. The fact I still do not have access to all my statements I can assume I was charge in XXXX of XXXX too but that statement is not in the account. Please help me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is incorrectly reporting 60 day lates for XXXX and XXXX of 2024 with a payment made for {$170.00}. Bank statements were provided to show the payment was made and XXXX still has not deleted this incorrect information.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

Dear Mam or Sir I ordered merchandise at Macy 's in XXXX XXXX. 
The order number is XXXXThey  gave me tracking number. The estimate delivery date was XX/XX/year> so i checked on that day. The delivery status was delivered. Also, I received XXXX mail from Macy, s XXXX XXXX which is my package is delivered. But my package was not front of my door. It was missing. The XXXX deliverer left my package So i called Macy 's customer services and i told this issue to the representative. The representative said that i can get credit within XXXX business days. But it was not. I had to call XXXX more times but never resolved my issue. Finally, I dispute my transaction XX/XX/year>. 
I received mail around first week of XXXX from Macy 's billing adjustment department, they said my information i provide about the dispute with the information, it wasn't enough to support my clam and resolve the dispute, They said, " If we do not receive the minimum payment by due date shown on your billing statement, we may report my account as past due to the consumer reporting agencies ''. When happen same issue do consumer have to responsibility? I think that this is not fair. Thank you.
Consumer complaint received 2024-05-22
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)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-22
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. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NJ)

XXXX called Shellpoint mortgage telling them my financial issues I am having right now I got laid off and having issues with unemployment and mortgage assistance I spoke with a XXXX and a XXXX both said my mortgage needs to be 3 months behind before I can get assistance I am trying to avoid this my mortgage right now is current and neither acted a bit concerned I thought that was the most stupid answer to receive concerning your mortgage. 
My mortgage was originally with XXXX who said apply there wouldnt be a problem. 
I want this rectified and get the assistance I need when I look a Shellpoint website it even tells you apply for assistance so your mortgage does not fall behind
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co (IN)

Dispute was put in to verify balance amounts. Vehicle was sold in 2019 from the voluntary repossession date until today Ive been marked as delinquent and currently the balance exceeds purchase price. This has hendered my credit tremendously. Nothing has been done to rectify the error.
Consumer complaint received 2024-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint Mortgage is not respecting Consumer Finance Company, even if I go through you, Consumer Finance Company.

I think Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.

It is my Rights to get the Amortization Statement which will tell when my Loan will end, the REAL Date.

Roundpoint is not doing that.

They simply give a Statement which is not Real Amortization Statement We have been paying Additional {$500.00} Towards the Principal.

Why we pat like this? To Reduce Our Loan Period. 
Roundpoint is not subtracting is {$500.00} in Every Month, and so this does not give the REAL MATURITY DATE. 
Can you ask them to get educated and get the Tools to do that as a Finance Company they should do that I repeat Consumer Finance Company should exercise its Powers, so that Roundpoint Mortgage satisfies the Customer.
Consumer complaint received 2024-05-22
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. (NV)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-22
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone has used my personal information to file for a credit card through XXXX XXXX. As the hard inquiry was being processed on my Transunion account, I received several alerts that someone was attempting to gain this access by using my information. I am seeking to have this hard inquiry removed. It is dated for XX/XX/year> XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX, IL, XXXX. 

TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Date Re : XXXX  XXXX + # XXXX Dear [ TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team ], I previously sent a request for investigation under FCRA 611 ( a ) to your company on [ Date Previous Letter was Sent ] regarding the following issues that account XXXX XXXXXXXX + # XXXX I received a letter stating that you have " verified '' the information. I am : now requesting that you provide physical documentation to support this information on my report. According to the FCRA, information must be 100 % verifiable and accurate ; otherwise, it must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report due to the. 
This is my second request for details purported eviction. If you can not provide the requested documentation within 15 days,
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I XXXX XXXX was a member of Chime online banking, however my acct has been closed as of XX/XX/year> as per them bc of charges I disputed that were not done by me but however at the same place I have shopped at. They did not approve any dispositions I made making it unfair without telling me about the charges not listed on my acct for using my debit card or transferring funds from my debit card to my XXXX XXXX card. Then not giving me the amount I am owed back from a transaction being disputed. Several times I tried to explain to an agent yet nothing was done for it. I was made to be assumed that I was wrong and didn't know what I was talking about and bc I provided a police report with the disputes they did not approve so they closed my acct on me bc I was not wrong. However there's has been hundreds of dollars missing from my account every moth for the last 3 yrs. In addition to the places I shopped at did not show as per the transaction that showed up on my transaction slips.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Immediate Removal of Incorrect Reporting on Credit Bureaus for Account # XXXX Dear Comenity Bank, I am writing to formally request the immediate removal of incorrect information reported on my credit reports concerning my COMENITY BANKXXXXNWYRK & CO account XXXX XXXX XXXX ). Despite this account being voluntarily dismissed with prejudice, it is still inaccurately reported across all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Details of the issue are as follows : - Account Number : XXXX - Account Status : Closed Charge Off - Payment Status : Current This incorrect reporting is in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., specifically under 15 U.S.C. 1681c, which mandates that any account information that is inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. 

Enclosed with this letter are copies of relevant documents, including the dismissal order, my credit reports, and previous correspondence with your bank regarding this matter. 

Given the significant negative impact this incorrect reporting has had on my XXXXredit score and my ability to obtain credit, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek their intervention in ensuring that Comenity Bank complies with the FCRA. 

I request that you address this matter immediately and confirm in writing that the incorrect information has been removed from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, Enclosures : 1. Copy of the dismissal order 2. Copies of recent credit reports showing the incorrect information 3. Correspondence with Comenity Bank regarding this matter
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

My name is XXXX XXXX, I have in my credit report an account that owed {$690.00} to XXXX XXXX a XXXX XXXX XXXX XXXX, I paid off because I need my credit report to be cleaned, I do not have or ever had a credit card from this store. what can I do to dispute this and get a refund?