davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-09
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. (TX)

On XX/XX/XXXX, I clicked on a link on the XXXX website to apply for a XXXX XXXX store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from XXXX XXXX that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with XXXX, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. XXXX XXXX  used a credit company called XXXX XXXX XXXX. 

I called XXXX XXXX on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop XXXX XXXX  and XXXX from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

my identity was stolen and i recently noticed fraudulent activity on my credit bureaus including XXXX. XXXX XXXX XXXX XXXX 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 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, # XXXX XXXX XXXXXXXX, has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
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. (FL)

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Bankruptcy records are not accurate and can not be verified. Delete this fraudulent bankruptcy record, as I have disputed the accuracy numerous times, yet it remains on my XXXX and XXXX credit reports. If accuracy is the main purpose of you so called bureaus, Then fall in line with XXXX and their thorough investigation that lead to deletion of said bankruptcy public record. Also, a violation of privacy, defamation to my credit stance. I was able to get approved for housing this time last year. Currently, my credit score is super low due the inaccuracy of XXXX and XXXX ability to conduct proper investigations. I am not requesting any more investigations as they dont work to resolve inaccuracy issues and concerns. Please delete this XXXX.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

While traveling to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2023 a fraudulent charge occurred and was posted to my American Express card last five digits XXXX. We the two cardholders did not initiate, authorize, validate or sign for this charge to said company XXXX in the amount of {$2200.00} transaction date XX/XX/2023. 

Upon return to the XXXX I became aware of the charge and immediately called American Express to report this crime and Fraud on my Gold American Express Card. The card was immediately canceled and new cards were sent to my home with new card numbers. 
I followed all instructions from American Express following the initial phone call. Now months later this is still not resolved. American Express has mishandled this XXXX # XXXX from the initial reporting of this fraud. They have opened and closed numerous cases on the same charge to card and as of today have still not confirmed to me that they will not re-bill me for the crime committed while traveling in XXXX on my credit card. 

After months of dealing with this and hours and hours of stressful frustrating phone calls American Express latest letter dated XXXX XXXX which I have attached they have again removed charge from my billing cycle, BUT stated that this is not a guarantee that they will not in the future re-bill me for the criminal fraudulent charge of {$2200.00} from said company XXXX.
Consumer complaint received 2022-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (AL)

I asked back in XXXX or XXXX for escrow information since my account online was showing one amount and my paper bill was showing another. Payments to neither my Insurance NOR my property taxes had been paid even though Guild stated it was. Customer service could not answer escrow questions completely and was given the run around. I asked when yearly escrow statements were coming out and was not answered. Was ignored when I asked over XXXX 
Today, I get my bill in the mail and it has gone up over {$60.00} a month and no escrow statement is available online to me NOR has it been mailed as required by law. 
Also in the past i have asked to be told if i can get rid of my escrow account and i have yet to get an answer on that.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

As of XX/XX/2022, a new collection account LVNV FUNDING LLC ( ID # XXXX ) former owner XXXX XXXX XXXX XXXX started reporting without addressing my dispute. 

It should be noted that XXXX XXXX XXXX XXXX account # XXXX sold this account without satisfying several requests to provide me proof of the balance. In addition, immediately after receiving LVNV FUNDINGS initial letter, ( before the 30 days of the date on their letter ) I contacted LVNV in writing via email and certified letter disputing this debts balance. LVNV and XXXX XXXX XXXX XXXX continues to deny me full detailed proof of this debt which is a blatant violation and a hindrance to my rights to fully address the false debt balance before reporting this new collection account on my credit report. 

Today, I called XXXX XXXX XXXX, XXXX twice. Once at XXXX XXXX XXXX spoke with Representative XXXX XXXX ) and again at XXXXXXXX XXXX  ( Representative XXXX ) each time denied to speak with a supervisor.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (MO)

In XXXX we received XXXX bank statements and an NSF Letter in the mail addressed to my personal name from BMO Bank. I did not open these accounts. My wife and I called and made a statement that these accounts were opened in a fraudulent manner. BMO stated they couldn't provide an identity on the actual individual who open these accounts. We received another statement and a dispute letter in the mail on XX/XX/XXXX. We called to confirm that these accounts had been closed. The said individual said her department doesn't handle sending out letters confirming the full closure of the accounts. We asked the specialist if we could please get a copy of the individual who opened the account. Specialist stated they don't require identification from anyone who opens account up through their online website. We ended up calling a local branch within our state to verify this information. This is not ok. This bank has put us through a whole lot of issues this past month, we have had to freeze our credit reports, put alerts on XXXX XXXX. Not to mention they are encouraging this fraud, and someone is having to pay for this. They are required by law to practice their due diligence and they are not. The USA Patriot Act requires all banks to require proof of identification.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (CA)

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

On XX/XX/2022, I lost my Chime debit card. I made the initial request to receive a replacement card the same day. A week later, there was an attempted transaction which was declined due to the perpetrator not knowing my personal identification number. I informed the company via email and they did nothing but parrot the same requests for identification which was once again provided upon request. On XX/XX/2022, Chime was sent all the info requested including a photo of me holding my current State ID card to confirm my identity ; as they requested. Simultaneously, numerous emails were sent attempting to resolve the issue, including re-delineation of my XXXX ID and all other info requested by Chime. The company kept requesting the same information, by different representatives, after it was already sent via email. The amount in question is approximately {$79.00}.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

In late XX/XX/XXXX I logged into my credit card app to use my reward points. However I noticed that all my points had been transferred out on XX/XX/XXXX but I did not initiate that transfer. I called and reported this and they saw a new authorized user was added to my credit card which I did not add. The company closes the account and sent me a new card. No fraudulent charges were made yet as they fraudster hadn't received the credit card. Chase told me that they would refund the points but they never came. I've called multiple times and they say it's is being reviewed by marketing but they won't let me speak to the team handling the case. Today I got a letter in the mail saying they will not refund the points that were removed fraudulently.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have contacted Equifax about inquiries that are not mines. 
XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2023 XXXX  XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2023 XXXX  XXXX XXXX  XXXX XXXX this XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX of inquiry XX/XX/2023 XXXX  XXXX  Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2023 XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/2023 yet they refuse to remove them. I will now be filing civil suit against them because I have provided them with a ftc report. And they claim they never got it and I sent those out novemeber XXXX. I will be sueing as of next steps.
Consumer complaint received 2022-12-10
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. (FL)

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

Account name : XXXX  Account # XXXX Amount {$6300.00} Account name : XXXXXXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} 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 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 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (WA)

In XXXX, Huntington Bank put force-place insurance on my home mortgage despite my insurance agent sending them proof-of-insurance two times. I was able to provide proof-of-insurance in XXXX, and the force-placed policy was removed. The escrow account was then adjusted to remove any charges of the force-placed policy. There was XXXX dollars owed for the cancelled insurance, and no net change to my escrow amount as a result. 

Despite this fact, Huntington Bank still charged me for the cancelled policy, and then reported me as late to the credit bureau despite me paying on time. 

This has happened to me multiple times with this company.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (OH)

I have disputed this info since XX/XX/2022 My experian inquiries are XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX inquiries are XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NH)

Paid debt in full onXX/XX/23. Disputed account on credit report with proof of payment to be shown as paid in full or deleted from report, and XXXX did not update and reported the original amount owed {$1700.00} on XX/XX/23after it was paid. The account should be reflecting as paid in full or deleted as it has been settled in full.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (CA)

This is La XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX