davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

On XX/XX/2024 I mailed via registered mail return green receipt to CARMAX, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and CARMAX has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I requested to see the signature that the original creditor has that i became a debtor agreeing to pay this debt. i want to see the bonding insurance you have to collect as a collector incase i choose to pursue further legal action. I want to see the chain of title exist that this debt has from the original creditor to the collection agency that's now reaching out to me. I want to know the date and the amount of money that i officially became in collection with this particular company. i want to see these things because they are alleged debt.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2021 I discovered someone had used my debit card to make 52 different transactions for the purchase of online gift cards. The total was a little over {$6300.00}. I contacted Suntrusts fraud department and reported it the day I made the discovery. I was told by two different employees that it would be investigated and if fraud was detected the funds would be returned to my account within 10 business days. On XX/XX/2021 ( 11 business days ) I was contacted by email from Suntrust and they stated may claim had been denied. I contacted the fraud department and they were no help at all, would only state it was denied due to inconsistent information and evidence. They were either unable or unwilling to provide me with any information on why or how any information or evidence was inconsistent. During the so called investigation I was not contacted by anyone from Suntrust for any reason. So now I have to file paper work disputing the results of there investigation, and wait 45 days. Im a XXXX  XXXX of 20 years so I myself have investigated hundreds of fraud cases and I could have easily came to the conclusion that the transactions were not made by me in a day. In 20 years in XXXX XXXX I have never seen a bank reject a fraud case like this. Its a shame someone can go through my bank to steal my money and Suntrust allows them to do it and then denies my claim.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2023, I attempted to utilize my debit card to purchase a meal for my family. The card worked for an ealier purchase in the day and I have more than ample funds in the account. As I attempted the purchase, I was told that my card was declined. I was shocked because I have had no alerts whatsoever. I returned home to access ths online account and to call customer service. There was no mention online of any hold, nor any alerts. I then called every related customer service number to relieve the invisible hold on my card but none of the options were succesful and there were no staff avilable to assist. XXXX of the prompts suggested the mobile app. I downloaded the app from the playstore and to my surprise, it would not upload. After all my efforts to spend my own money, I will not be banking with Regions in the future and I would like the CFPB to determine whether or not Regions is engaged in unfair, abusive and decptive trade practices.
Consumer complaint received 2023-11-21
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)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX   -   XXXX   XXXX   XXXX   XXXX   's (  XXXX  ) automatic payment service ( $   XXXX   /mo )  failed to cover a {$0.00} balance on my    HELOC ac count.        XX/XX/XXXX    - I noticed a  30-59 da y delinquent report on my report for my   XXXX  HELOC  reported by  XXXX . This was not reflected on my   XXXX   report.        XX/XX/XXXX    - I contacted  XXXX  requesting that they update and correct my  credit score  over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the  XXXX  report but not the   XXXX   report.        XX/XX/XXXX    - I disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.        XX/XX/XXXX    - While I did not receive  XXXX  's promised " Dispute Resolution Email '', I noticed that the   XXXX    reporting  history reflected th e 30-59 day delinquency   within  two d ays of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX   I again asked  XXXX  to correct and update my credit record. Within  two  days,  XXXX  corrected the record to reflect a 100 % on time payment record, while  XXXX  did not.        XX/XX/XXXX    I again disputed the record via  XXXX  's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.        XX/XX/XXXX    No response received from  XXXX , but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a  30-59 d ay delinquent charge, coincidental with the dispute of  XXXX  's report.       XXXX   XXXX   XXXX   to date, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.     The   XXXX   score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of whi ch I may no t be aware.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

The morning of XX/XX/XXXX I woke up to XXXX fraudulent transactions of {$1200.00}, {$1200.00}, {$1200.00} and someone sent themselves {$900.00}. I disputed the {$900.00} immediately and chime declined it the same day. I disputed it XXXX more times and they disputed them both. The second time I disputed I provided them with a police report. At this time the other transactions were pending so I couldnt dispute them. I disputed them XX/XX/XXXX those disputes are still pending but are not in the original amounts. The new amounts were split into XXXX transactions in the amounts of {$970.00}, {$970.00}, {$750.00} and {$470.00}. Including the {$900.00} this amounts to {$4000.00} that leaves {$500.00} of my money completely unaccounted for by chime. I have been a customer since XX/XX/XXXX almost XXXX years now and have never disputed a charge. Their customer service has been less than helpful and this is absolutely ridiculous. Someone was able to by pass the XXXX factor authentication and login to my account change my number to theirs and complete all these transactions. Chime put XXXX effort in blocking these suspicious transactions but blocked an almost {$30.00} transaction from XXXX XXXX a week prior. My email was spammed with XXXX of text messages and the spam hasnt stopped. I woke up to XXXX of calls and text messages as well that all occurred with the time frame of my money being stolen. Ive seen XXXX threads, XXXX videos and even news outlets that covered stories on the same fraud that happened to me and chime didnt help anyone of these people get their money back.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am filing a formal complaint against XXXX and XXXX for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. XXXX has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Recovery Service Incorporated (CA)

{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$150.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX Balance {$8800.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Creditor XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX ) XXXX Portfolio Recov Assoc Balance {$1100.00} Original Creditor : Not Available XXXX XXXX. # XXXX Opened XXXX Reported Closed Condition Creditor XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-21
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( 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  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ARVEST BANK GROUP, INC. (WA)

Arvest Mortgage purchased my home mortgage XXXX or 12 years ago. During that period, I was never late with my payment, never missed a payment, and always paid more than the minimum amount due. In XXXX of XXXX and XXXX of XXXX, I twice requested a payoff amount thru their phone tree system and never received a response. Twice, I paid off the balance due ( which is not the payoff amount ) of the loan and then Arvest quit sending me a statement. XXXX months later, Arvest sent me a late payment notice and reported this to the credit reporting system. I have written to Arvest asking them to remove that late payment from my account based on a pristine history. That was denied. XXXX times I have requested the payoff statements asked for thru their phone tree system and the XXXX late payment statements. None of which they have provided for me. 

The manner is which my requests have been handled indicate some kind of cover-up is happening. I would be very surprised if you do not have similar complaints against Arvest.
Consumer complaint received 2024-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO. (NJ)

In the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, NJ I went in to pay off a Home Equity Loan ( HEL ). At the branch they called a Chase number to get a payoff dollar amount. No details were provided to me, just what Chase said is the number. When I later reviewed the HEL in the Chase App, I saw there was a Recording Fee of {$25.00}, a late charge of {$8.00}, and a second Recording Fee of {$25.00}. During the life of this HEL, I was never informed why and for what reason they are imposing Recording Fees. Why now when I am closing the account? Why two Recording Fees each for $ XXXXWhy a late charge of {$8.00} when I am paying the loan off on XX/XX/year> when the next account due date is XX/XX/year>. I did pay the previous month 's HEL payment. A larger question is this Chase 's policy to laden a Mortgage/HELC loan account closing with a full payoff by imposing fees?
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX   -    XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (    XXXX   XXXX  /mo  ) failed to cover a {$0.00} balance on my HELOC accoun t.  XX/XX/XXXX  -  I noticed a 30-59 day delinquent report on my report for my  XXXX    XXXX   reported by  XXXX . This was not reflected on my Equifax re port.   XX/XX/XXXX   -  I contacted   XXXX   requesting that they update and correct my credit score over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the Equifax report but not the   XXXX   report.     XX/XX/XXXX  - I  disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that Equifax was correctly reporting a 100 % payment reco rd.  XX/XX/XXXX  - Wh ile I did not receive   XXXX   XXXX   promised " Dispute Resolution Email '', I noticed that the Equifax reporting history reflected the 30-59 day delinquency within two days of the dispute. Never did I receive an investigation resolution email.     XX/XX/XXXX I a gain asked  XXXX  to correct and update my credit record. Within two days, Equifax corrected the record to reflect a 100 % on time payment record, while   XXXX   did no t.  XX/XX/XXXX  I aga in disputed the record via   XXXX   XXXX   web site claiming that I never received a Dispute Resolution Email the first time reported and that this is still incorre ct. XX/XX/XXXX  No response receive d from  XXXX , but again, my Equifax score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a 30-59 day delinquent charge, coincidental with the dispute of   XXXX   XXXX   repo rt.  XX/XX/XXXX  to d ate, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.
The  XXXX  score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which I may not be aware.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hello I unfortunately had my house flooded From a broken pipe I ended up getting a check from the insurance company for repairs I took it into the branch XXXX XXXX XXXX Before depositing it to make sure whoever had to endorse it did. The banker looked at it and asked his manager and they said its good. As to which I told him to deposit it The following day I get a call from chase telling me my account is being closed & they are holding my money hostage for reason that makes zero cents whats so ever. If they didnt like the check they shouldve told me in the branch or atleast send the funds back to me or to the maker instead they are holding it back from me and I cant even finish my house. Please help me
Consumer complaint received 2023-11-13
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.