davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (TN)

On XXXX XXXX I went to Carmax to purchase another vehicle. I had just paid off a car through Carmax in full on XXXX and they denied my credit for another vehicle after being in good standing with them and sent a refund check. Carmax denied credit as well. 

Then they shared my request for credit with other financial services without my authorization. We viewed and were given options to choose car loan services with and on the computer a request with XXXX XXXX  who never repsonded while we were sitting there at the dealership. However, XXXX responded and XXXX XXXX  responded. I selected and recieved financing on the spot at the dealership with XXXX XXXX. 

Now I am recieving unauthorized credit denials in the mail from XXXX XXXX XXXX, XXXX, and XXXX XXXX. All dated in XXXX dates until XXXX. They have exrended open credit unauthoirized. 

None of this information was diclosed with me.
Consumer complaint received 2024-04-02
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-29
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. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-04-02
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. (PA)

There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

My mortgage was sold to Carrington Mortgage Services in XX/XX/2023. I was current my payments. I paid my XXXX payment to XXXX XXXX  on XX/XX/XXXX because I was not aware my loan had been sold. XXXX sent my payment to Carrington in a bulk check on XX/XX/XXXX. Carrington requested a copy of my bank statement showing my payments had cleared my account. I provided that in XXXX As I was not aware they were showing my XXXX payment wasnt made due to my XXXX payment not being posted. In XXXX they informed me I had to provide the cashed check that XXXX had sent them. I provided that on XX/XX/XXXX. On XX/XX/XXXX they confirmed they received the copy of XXXX cashed check and the payment would be taken care of. If there were any issues they would call me by XXXX that day. As of today XXXX they still have not corrected my account. I now have late charges and have been reported as late to the credit bureau.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (CA)

I currently have a loan with one man financial. I received an offer for a new loan that would also pay off my current loan and refinance the remainder of my current loan. However, when I filled out the form for the new loan, I was denied, even though I was preapproved for that loan. Now because I filled out the form, they did a hard credit check on my credit and it negatively impacted my credit by any point I think that because I was preapproved I should not have been denied that long because I received the preapproval only because I have good standing payments with the other current loan I have with them, I believe that this is false advertising and harmful to consumers to be sending out preapprovals when people are actually not preapproved for those I want the heart inquiry removed from my credit score.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

In early XXXX, I mailed in a form to MOHELA to apply for the public service forgiveness program ( I work for the state and have, or have at least close to, 120 payments completed ). After waiting two months, I called and spoke to a very nice man who suggested that I fax the form in. I did so on XX/XX/XXXX, and have not heard a word from them since. You can track your form on their website, but they continually tell me that my form has not been received or processed, although it states that it takes ten business days for it to be put into their system. In the meantime, interest continues accruing on the account and I'm paying about $ XXXX.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have had XXXXXXXX loans since 2007. They are now owned by Mohela. I was in deferment for a lot of those years. I am currently working with the state and all my years that should have counted towards my PLSF are not showing as counted payments. I have reached out numerous times to them and they do not answer or disconnect immediately. They will not provide me with deferment dates or return calls. They have changed my payment schedule twice and I am receiving no notifications from them.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX reported XXXX XXXX ; XXXX XXXX XXXX  XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/XXXX XXXX
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (CA)

I am a natural person, I am living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times, I demand the account below to get remove because According to 15 USC 1681, I have the rights to privacy and I did not give equifax permission to furnish these accounts below XXXX XXXX XXXX  open balance {$700.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$300.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (IL)

I was trying to do a XXXX transfer from my Truist account in Florida to my XXXX account in Illinois where I now live. It was flagged as fraud and they locked my account. I called and they wanted to verify my phone with a code. They said a " third party '' service said my phone wasn't in my name. This is correct. It is in my daughter 's name. So, they locked my online access even though I told them it wasn't fraud. There was no reason to lock my account. They refused to unlock my account. They said I have to do that in person. I live in XXXX, IL. The closest branch is somewhere in Kentucky. I am XXXX XXXX XXXX and no longer drive. They will not allow me online access to my account now. I have over {$6000.00} in their bank and I can no longer see my account online or make any online transactions. This is unacceptable. I told them it wasn't fraud, but they refuse to allow me access to my account online. I don't understand how they can do that. It isn't their money, and I explained that there was no fraud, that it was their mistake, but they still won't allow me access.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Complaint Regarding Mohela Student Loan Servicing Dear Sir/Madam, I am writing to file a formal complaint regarding issues I have encountered with my student loan account serviced by Mohela. I have experienced multiple discrepancies in due dates, repayment amounts, and erroneous charges during periods of forbearance. 

I requested to be on administrative forbearance from MOHELA Today XX/XX/XXXX I called a representative for assistance. representative started by saying that I have a balance due. I replied by telling her that I have messages in my mohela account to confirm that that is wrong and that I am in forbearance. the rep then acknowledges the message I received which confirms my delinquency forbearance beginning XX/XX/XXXX and ending XXXX and a processing forbearance beginning XXXX and ending XXXX Throughout the month of XXXX XXXX XXXX  Ive been receiving updates making me aware that I have a missed payment for XXXX and a current payment due of XXXX totaling XXXX. Then After being on hold for some time the representative agrees that something isnt right and proceeds to tell me she will incline it to her supervisor because she herself agreed that there is a discrepancy and she understands why I would be concerned. After a full two hours of waiting and her taking me on and off of hold to see if Im still there I was hung up on. My account shows discrepancies on due dates, amounts owed, etc. I cant help but feel MOHELA is an unreliable and unhelpful loan servicer. 

Despite multiple attempts to address these issues through Mohela 's customer service, the problems persist, causing undue stress which may turn into a financial burden if left unresolved.I have adhered to the terms of my loan agreement, but the inconsistencies in billing and charging practices by Mohela have made it challenging to manage my student loan responsibly. 

I respectfully request your intervention and investigation into this matter to rectify the discrepancies and ensure fair and accurate servicing of my student loan. Your prompt attention to this issue would be greatly appreciated.
Consumer complaint received 2024-04-02
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (LA)

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Consumer complaint received 2023-07-28
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}