davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (GA)

On XX/XX/XXXX I purchased my XXXX XXXX XXXX XXXX ( Loan # XXXX ) from Car Max XXXX in Oregon ( car was bought under the business with myself as co borrower ). I decided to use Car Max Finance because I liked the ease of being able to use all of the online features to manage and pay my loan. Since that time I have never once been able to log into my online account. I am only able to pay my bill over the phone with a live representative ( unable to use the automated system ) or go into a local Car Max to pay. This is inconvenient, unethical, and not what I signed up for. I signed up for a modern car loan in the year XXXX with online management options. Despite my attempts ( XXXX total ) to address this issue with Car Max Finance directly with their representatives and through their surveys, even getting so far as management and the " business office, '' absolutely nothing has been resolved. On their end the data to sign into the account is wrong. I have all of the correct data ; to include, loan number, social security, and date of birth. I even obtained the incorrect date of birth for my business they entered into the original loan documents. Car Max Finance has been negligent in addressing this issue which should have been handled immediately at my first report of the issue. I have done my due diligence to resolve this issue and pay my bills on time despite their complete lack of regard for me as a customer. I need access to my online loan account immediately.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 45 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-07-26
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: Experian Information Solutions Inc. (NV)

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (AZ)

They call all throughout the day, every couple of hours. I have told them never to call me again, but they continue with the harassment. I am on edge all day because of their calling and harassing me and disturbing my peace
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Upgrade, Inc. (MA)

I signed up for a {$400.00} bonus offer from Upgrade. This offer was published on the XXXX XXXX website. The offer was to sign up for rewards checking, fund the account, make 3 debit card transactions within 60 days, and the {$400.00} bonus would be deposited to my checking account. There were no other requirements in any website including Upgrade 's website. 
I met all the requirements and called about the bonus. At that time I was informed that there was an additional requirement. That was to join the XXXX XXXX XXXX XXXX, open a line of credit and secure a loan. I told them that requirement was not listed anywhere on the website 's offer. I was told that was the requirement anyway. I asked what the interest rate was for the loan and how much I was forced to borrow. They said they couldn't tell me and I would be notified of that information after I signed up for the line of credit. I told them I was not interested in taking out a loan or opening a line of credit with this credit union that I knew nothing about, and I was told if I didn't join the credit union and open the line of credit then I would not get the {$400.00} bonus. 
I called the XXXX XXXX XXXX XXXX and they said they knew nothing about the requirements for the bonus.
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, XXXX, Equifax ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXXXXXX -not mine XXXX XXXX XXXX XXXXpayment never late I have not received a response from any other the credit agencies.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

Todays date : XX/XX/XXXX AR RESOURCES INC XXXX AR RESOURCES INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX AR RESOURCES INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates ( PRA ) is reporting to the credit reporting bureaus for an account ( XXXX XXXX ) that has been paid in full. PRA also is reporting that there is a balance on the account, and from the last report, has increased. Upon filing a dispute with the credit bureaus, on XX/XX/XXXX, the credit bureaus ( XXXX, XXXX, XXXX ) all claim that PRA has provided that the balance is valid and accurately being reported by the FCRA.

PRA, during the dispute process with the credit bureaus, sent me documentation on XX/XX/XXXX, stating that the account was paid in full. Additionally, they have stated that they would have the tradeline removed from the credit reporting bureaus. This has not happened, instead, the balance on the account was increased by {$11.00} to now show {$22.00}.
Consumer complaint received 2022-12-17
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. (AR)

This is my 5th 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 an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX IN ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$2500.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX  XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

Direct express debit card : Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you. When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019 for {$320.00} which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the 10 day due to conflicting information. The second claim was filed on XX/XX/XXXX for {$760.00} because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you XXXX or XXXX tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (FL)

On XX/XX/XXXX, a collection that I do not recognize and is not mine was charged to my credit by the company Rs Clark & Associates for XXXX dollars and that debt is not mine. My name is XXXX XXXX XXXX.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I contacted American Express on XX/XX/2021 to inquire about when I could expect the second half of the " Points Plus Promotion '' welcome bonus on the Hilton American Express card to be credited to my Hilton account. I was told that Amex had no record of the second allotment of XXXX point being due on my account and was asked to upload documents to prove the terms that had been in effect when I applied for this card back on XX/XX/2021. Rather inconvenient having to dig up details for a card I had applied for 5 month before, but I found and uploaded the screenshots of the offer page. I asked for a case number and was told there wasn't one since this is a " internal case. '' After hearing nothing, further I checked in again on XX/XX/XXXX to verify at least that the case was still in progress and was told that it was still be reviewed. After hearing nothing further, I checked in again on XX/XX/XXXX and was told that the case had been closed because I hadn't provided the screenshot evidence ( I had not been notified that the case had been closed ). I advised that I did submit the requested evidence back on XX/XX/XXXX and was told that it wasn't received and that I should re-submit it, which I did. I then checked in again on XX/XX/XXXX to confirm that my uploaded evidence had been received, I was told that it had been received and linked to the case. I checked in again on XX/XX/XXXX to verify that the case was still at least in-process and was told that the offer I was asking about was not linked to my card ( going around in circles now ) I was then asked for the case number ( which was never provided to me even though I asked for it ). In addition I was disconnected 4 times during over an hour long chat session just trying to get the status and case number. Finally I was told that I should call in for better results. This seems to be going absolutely nowhere and I have wasted hours of my time chasing what should have been credited to my account automatically when I fulfilled the spending threshold within the timeframe specified.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
Consumer complaint received 2022-12-17
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. (AR)

This is my 5th 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 an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX IN ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX : {$2500.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-20
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. (SC)

XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-17
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. (AR)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.
Consumer complaint received 2021-11-15
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. (LA)

I disputed the bankruptcy on my credit report at XXXX on XX/XX/XXXX and on XX/XX/XXXX before XXXX it came back as verified. I called on XX/XX/XXXX to understand 1. how it was verified in less than 12 hours, and 2. Whom they verified the event with. They continue to state that they verified it with XXXX. I have been in contact with XXXX for months and they Did not have a bankruptcy on my file in XX/XX/XXXX or XX/XX/XXXX ; therefore, for Transunion to state that they investigated with the data furnisher XXXX and the data furnisher confirmed it was accurate is a blatant lie. The representative told me that I need to call XXXX XXXX and have them call Transunion or I need to have the court call XXXX. I have already contacted the court and they did not provide this data, and I have already called XXXX and got an updated consumer report and they did not furnish this information either. Why is Transunion allowed to just flat out lie?
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : *Collection : XXXX XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} MIDLANDFUN XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}
Consumer complaint received 2022-05-20
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. (SC)

XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions