davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (AL)

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 XXXX ACC # XXXX, XXXX XXXX XXXX Acc # XXXX, XXXX XXXX XXXXAcc # XXXX, XXXX  XXXX Acc XXXX XXXX, XXXX Acc # XXXX, XXXX XXXX Acc # XXXX, XXXX XXXX Acc XXXX 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 information is inaccurate.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Management has placed a collection on my credit reports in the amount of XXXX. I do not owe this balance. I DO NOT have an account with XXXX ( which is who they purchased this fraudulent account from ). This is myself letting you know that this account that you have listed is FRAUDELENT and a RESULT OF IDENTITY THEFT and i would hope that you take those seriously.
Consumer complaint received 2023-09-12
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: Mortgage Research Center, LLC (TX)

ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON CREDIT KARMA I NOTICED THAT VETERANS UNITED HOME HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT VETERAN UNITED HOME XXXX XXXX XXXX HE ADVISED ME TO FILE THIS REPORT.
Consumer complaint received 2023-09-12
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)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-09-12
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. (MD)

Equifax has failed to conduct an investigation into the information being furnished on my consumer report. All of the accounts furnished on my consumer report shall be excluded from my consumer report because they contain information solely as to transactions between me, the consumer and the person making the report. That information must be removed from my consumer report as it should have been excluded from the beginning if Equifax complied with the FCRA. 

Equifax also is reporting inaccurate information on my consumer report and I am a victim of identity theft as my privacy was breached from the Equifax data breach. 


I disputed the accounts and Equifax failed to give notice of the dispute, and claimed that the information was verified without verifiable proof, and without showing their method of verification
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX 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 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (CO)

Bought a car from CarMax and loan is through CarMax auto finance. They falsely advertised the inspection of the car and it died in 30 days. I surrended it back and WAS told by the first calls to CarMax auto finance to leave it there at there repair partner shop XXXX XXXX. Waited and found out CarMax abandoned the car and the loan as stated in multiple call records. XXXX XXXX took ownership of the car and sold it. CarMax auto finance is the title holder of the car and they were responsible for the car and abandoned it. They no longer own the title to the car and will have to reach out to XXXX XXXX  for the loan payoff as they took ownership of the car and sold it. I'm not longer responsible for the loan as the states multiple times in call records that's they abandoned the car and the loan and no longer own the title. Police report was filed as I thought the car was stolen but found out it was sold by XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. I've no open balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my XXXX account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} open balance for my XXXX card, which is clearly false. I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$99.00} balance on my XXXX card, with false late payments still being counted. I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been 5 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( TransUnion, XXXX, XXXX ). XXXX previously removed the false late payment from my credit report, but on XX/XX/XXXX, they've again reported false information to TransUnion saying that I've {$99.00} balance. This's a major issue and seriously has to be fixed.
Consumer complaint received 2021-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance is reporting payment information ( " Last Payment Made XX/XX/2021 ) after bankruptcy discharge to XXXX  credit bureau. This is a violation of Bankruptcy Code 11 U.S. Code Sec. 524 ( a ) ( 2 ). They are also reporting payment history on the same loan which was service transferred to XXXX XXXX and failed to notify XXXX  and XXXX  of this fact, which is a violation of the FCRA. In addition, Capital One Auto Finance violated the Fair Collection Practices Act ( 15 U.S.C. 1692e ) by " The threat to take any action that can not legally be taken or that is not intended to be taken. '' This violation occurred when Capital One Auto Finance posted the payment information ( " Last Payment Made XX/XX/2021 ) on my XXXX  credit report.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion is Reporting a Inconsistency account XXXX XXXX XXXX account number XXXX, That not consistent with XXXX nor XXXX report TransUnion has reported that the date opened on this account was on XXXX XXXX has reported Date opened on this same account is XXXX TransUnion has reported that this account type is a revolving account type XXXX is Reporting account type as Credit Card account type. Transunion has reported that the date closed on this account is XXXX and XXXX has reported that date closed on this account is XX/XX/2018, XXXX has reported date closed is XX/XX/2018, Transunion also have the account number listed as XXXX and XXXX has listed the account number as XXXX These are Inconsistent Inaccurate reporting on my credit report and is a violation of the FCRA. I have downloaded proof of this on the CFPB portal.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (ID)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX services acct. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. 
States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2018-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (AZ)

I find it reprehensible that Citigroup is using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.
Consumer complaint received 2018-05-02
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: EQUIFAX, INC. (SC)

The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (WI)

After checking my CONSUMER report I noticed a few updates with companies posting there. 06 XXXX being one of the companies. 06 XXXX is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX XXXX XXXX transferred our home mortgage loan to the above company XXXX XXXX, 2015. When speaking to XXXX from Nationstar he says that XX/XX/XXXX and XX/XX/XXXX payments were reported to the credit bureaus but it will show blank for those months on the credit reports. Payments from XXXX 2015 will begin to show. 

Working at XXXX for XXXX years, according to the FCRA, payments need to report accurately to the Credit Bureaus. Is there recourse for us? We are trying to obtain another mortgage in a move in a few months and need these payments to accurately report for our scores.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I am writing to complain to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-06-09
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRB-40, LLC (AZ)

One of my payday loans is listed on XXXX as XXXX and closed, written off. It was sold in XXXX to another company & XXXX is not showing that. I paid that company in full of XXXX with all the interest in XXXX of this year. The company gave me a letter of confirmation stating it is paid in full. It has all the info on it from the original company and the account # which matches XXXX 's info. I submitted it to XXXX dozens of times and they still refuse to list it as paid in full. Ive talked to them over the phone and they say the company has to call them. I told XXXX it was sold to another company and gave them the name & they finally listed it on the website but still didnt show it as paid. Ive called the company several times and they said they have called them. XXXX and XXXX have it listed as paid in full. I had to resubmit my other bills with XXXX many times over XXXX months to finally get them to list all of my other bills that Ive paid in full. It was like pulling teeth with them. They refused to let me talk to a manager or supervisor. They said someone would call me & they never did. Im trying to qualify for an apartment now & need this fixed. Its been since XXXX of XXXX.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

In XX/XX/2023, I XXXX the phone number to what I thought was my bank. Chime. I talked to the woman about credit card payments. She said I needed to download an app so she could get my money back. I watched my account as she stole my money and put it into someone's account. My bank isn't doing anything to help me.
Consumer complaint received 2020-03-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I HAVE SENT 5 DISPUTE LETTERS TO EQUIFAX FOR FRAUDLENT ITEMS REPORTING ON MY REPORT AND HAVE YET TO HERE FROM THEM MY CREDIT STILL LOOKS THE SAME AND THEY ARE STILL LETTING SOMEONE APPLY FOR THINGS IN MY NAME
Consumer complaint received 2018-05-02
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. (TX)

I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX  and reinserted under a different name to XXXX . XXXX XXXX ( formerly XXXX XXXX  ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
Consumer complaint received 2023-09-12
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)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
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)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXXXXXX