davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (TX)

I called CarMax in XXXX of this year regarding the account being reported as a charge off on my consumer report. I asked them if they were a third party debt collector and they said No. I then asked them if the account is being reported as a charge off since XX/XX/2022 how come I never received a copy of the 1099c form they filed canceling out the debt? I then told them that since the account has been charged off then it is no longer considered a debt but income now and income is not to be reported on consumer reports... They responded that the account isn't charged off but in collections... I then asked them if they could send me anything proving disembursement of funds from their companies account or their banks account proving that I was actually given a loan? The original amount of credit extended was {$14000.00} and {$12000.00} was written off in XX/XX/2022. And there's a balance of {$5600.00} left, which there shouldn't be any balance! CarMax shouldn't be continuously reporting a charge off to Credit Reporting Agencies when in fact ; they know they have charged off the account for the full amount. The fact of the matter is the contract was deceptive and there was never a loan giving to me to purchase a car.. CarMax is negligent for not performing in the contract by not never giving me my credits for the amount of the car once I signed the application. The application after I endorsed it became the promissory note that tendered the purchase but CarMax kept the credits that I authorized upon my signature.. So therefore, CarMax failed to perform on their end of the contract by not giving my credits initially...
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Reference claim ID number : XXXX Chime XXXX XXXX, denies my claim of numerous fraudulent charges. 

They approved some of the transactions from the same merchant and was able to get some of my money back, but they are denying the rest. 

They have not sent me any documents or reasoning behind this. The case is now opened for nearly 60 days.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (CA)

company advertised a rate as low as 4.67 %. For a low XXXX and high credit score customer, I received a rate of 7 %. When digging in further and asking for more information, it appears that the advertised rate is not available. The rate remains on the site today under the lease buyout header.
Consumer complaint received 2024-04-04
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 was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of this mistake in reporting! 

I don't know why this company is putting this on my credit report. I have never been delinquent on my payments. When I called they said I needed to just dispute it with you. Please investigate and take a look at this account : XXXX  XXXX XXXX
Consumer complaint received 2024-04-04
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. (MI)

I recently discovered multiple fraudulent accounts on my credit report, indicating identity theft. This is hindering my ability to purchase a new family car. Please promptly remove these accounts to restore the integrity of my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (MO)

XX/XX/2023, U.S. Bank denied my application for mortgage due to information in a ( n ) consumer report which directly violates the Gramm- Leach- Bliley Act about privacy of information. Also Securities Fraud has been committed by the application being evidence of indebtedness concerning such underlying asset, also Breach of Contract which involved Signature of agreement between both parties.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (UT)

Apple manager from Goldman Sach Apple Card contacted me and informed me that they have downloaded all documents from the CFPB complaints pertaining to the stolen XXXX XXXX XXXX XXXX that had unauthorized Apple Card charges, the FTC identity theft report which included unauthorized charges to an Apple Card in my name totaling over {$3000.00} in fraudulent charges on that XXXX. I asked him if the phone call was being recorded and he stated yes. I stated that if the matter goes to court I will ask a XXXX to subpoena this phone call. Apple continues to deny that I have called to report fraud, denies that they have any documentation on fraudulent charges. However, the phone call I just had with the Apple representative from Goldman Sach confirmed that in fact they do have everything on the stolen XXXX, the fraudulent charges and the FTC identity theft report showing the amount of fraudulent charges. This has caused significant injurious damage to my ability to use my credit. I also informed the Apple Manager from Goldman Sach I needed monetary damages for damaging my credit and if not to provide me the register agent information that I can take the matter to civil claims court. I am still waiting on register agents information for the Apple Card to be provided to me.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have something on my Credit reports with different names but on my XXXX it shows up as XXXX  and Jefferson Capital Systems LLC as the creditor in the report. Ive called the company and they said they didnt have any debt or information on me. My name and birthdate and social. They were actually asking me who the debt is for and how much. I told them I dont know because this is hurting my credit report and I want it removed since I wasnt provided any information when I called. They were talking to me like I was XXXX  with no answers and had me on hold for like 15 min several times
Consumer complaint received 2023-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (TX)

This request for Validation for ACCOUNT # CNAC-XXXX Date of Charge Off : XX/XX/2020 made pursuant to the Fair Debt Collections Practices Act. Be advised this not a refusal to pay, but a notice that your claim is Disputed and Validation is requested. This is NOT a request for verification or proof of my mailing address, but request for VALIDATION made pursuant to 15 USC 1692G Sec. 809 ( b ) of the FDCPA. I noticed that there has been an account placed in the charge-off status. I Request All Documentary evidence needed to Prove This Claim.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

Read attached. 
Landlord @ XXXX Apartments XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX stole my identity, AZ Drivers license number, social security card, bank information and gave me a FAKE lease in the name of XXXX XXXX XXXX XXXX who is not on the Deed or who owns the leases as owner is XXXX XXXX XXXX XXXX. Landlord, XXXX XXXX does fraudulent schemes and identity theft and stole both our identities to swindle rent money and fake IRS tax write offs are crimes. XXXX XXXXXXXX XXXX said move in special {$500.00} off and I never got that is fraud. XXXX, Landlord received from me {$500.00} security deposit and stole it since XX/XX/XXXX. XXXX stole my electronic signature & charged me a scam, Rent Plus {$8.00} and owes me XXXX {$8.00}. Plus double charge XXXX  XXXX utilities is fraud {$9.00}, Landlord received certified mail from me, a Retaliatory Action Notice. Illegal rent provisions is fraud. XXXX is master metered, XXXX XXXXXXXX lease says individually metered. Landlord does NOT pay City of XXXX rental taxes and charged me & I paid, is tax fraud. Landlord breached Warranty of Habitability, no air-conditioning. On XX/XX/XXXX landlord turned off my HVAC=no heat on XX/XX/XXXX XXXX, 2 fake notices on my front door from landlord=harassment, AZ law says I can move out from the harassment and abuse. All my legal notices to landlord served XX/XX/XXXX moveout. Landlord stole my {$500.00} security deposit. No Debt collector responses, XXXX XXXX XXXX XXXX., XXXX XXXX, attorney, no debt collect response, fake collector and no AZ collector license = XXXX XXXX XXXXXXXX & is a 3rd party. No debt collector response from Sequium Asset Solutions LLC is a phone collector and 3rd party FDCPA violations. I turned them all in to the FTC XX/XX/XXXX for FRAUD.
Consumer complaint received 2024-03-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Got a XXXX Visa card that does not work. I purchased it for {$500.00} and managed to spend {$250.00} on it, so {$250.00} is left. Then it stopped working. 

InComm has replaced the card several times now but the replacement cards do not work. Each time I have tried using the replacement cards in good faith as signature debit and as PIN debit without success, as late as XX/XX/year>. InComm 's representatives claimed that the replacement cards were " active and ready for use '' but that was not true. I want to be compensated for my wasted time and fuel in going to multiple stores, including the XXXX XXXX, XXXX 's, XXXX, and other places, plus mental anguish.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. Balance {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All of these items show for a XXXX XXXX XXXX. My name is XXXX XXXX XXXX '' XXXX. This could potentially be someone else giving me additional questions of validity to this report.
Consumer complaint received 2024-04-04
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. (CA)

Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MA)

XXXX, while shutting down its money management product XXXX, enticed its user to transfer their data to XXXX other product, Credit Karma, https : //www.creditkarma.com/, ( XXXX ) XXXX. I accepted the offer, and transfer all of my financial records for the last 9 years ( XXXX ) to Credit Karma XXXX Credit Karma has verified my identity through matching my credit history and other personal information, including the SSN ( social security number ). However, it does not allow me access my own financial records, since neither of my two phone numbers are accepted by their verification system. 

All my attempts to use their chat service or call their customer support number have been unsuccessful.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TN)

In XXXX of XXXX, I originally requested validation, correction to credit reporting agencies, and instructed them to cease and desist in trying to collect an erroneous debt ; including, communication in any form. They persisted, so I sent a letter that was dated in XXXX of XXXX in early XX/XX/XXXX. The certified letter was received ; yet, they fail to provide the requested documentation, they persisted in reporting the information, and they violated the cease and desist, as you can see from the evidence and date of letter they recently sent to me after receiving the certified notice. Unless they comply, I will be seeking to have the agency banned and damages.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times.

E

ach time it would be a totally different answer from the next and NONE of them know what they were talking about. They manage to report my XX/XX/2023 payment as XXXX  day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with XXXX  success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (NJ)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-04
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. (LA)

I am writing to dispute the following accounts that have been fraudulently opened in my name due to identity theft : 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 Additionally, I request the removal of closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these were also opened fraudulently. 

I reported my identity theft in 2018, and this is on record with both XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have these fraudulent accounts removed from my credit report. 

I expect a response within 30 days, confirming the removal of these accounts from my credit report. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( fortiva ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.