davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CarMax, Inc. (CA)

Today, XX/XX/XXXX, I received a response to my CFPB complaint against Carmax, via certified letter. It reflects wrong dates, scenarios, etc. It failed to address my identity theft that they are involved with. I was prevented from speaking with a supervisor, when I called them today in response to this letter. The letter clearly is not factual or correct in any way. I can clearly see, no actual investigation was done by Carmax. It claims a letter was sent to me, XX/XX/XXXX, this one I'm assuming, and that I failed to respond to their letter. To clarify, this is the first letter I've gotten from them, six days after their own reference to their letter, that I'm seeing said letter. It is also dated XX/XX/XXXX, before my submission of my cfpb complaint against Carmax. I'm unsure how that is even possible. The dates and details are both fictitious and wrong. I was not allowed to speak to a manager, when I called their alleged fraud department. I am a fraud/identity theft victim and already submitted my police report to them via the cfpb, which they also claim to not have received. Attaching my police report, AGAIN, since they seem to have lost it, and recent communication from Carmax, for the records of the CFPB.
Consumer complaint received 2021-08-02
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: TD BANK US HOLDING COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft TD/TARGET Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 


5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-08-02
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit Monitoring, shows two accounts that have been paid off since XX/XX/2019 still open and are in a derogatory condition which is not accurate, with collection agency XXXX XXXX, I have documents that follows this complaint showing that I Paid off the two accounts one is with the original creditor XXXX XXXX {$2500.00} and the other original creditor is XXXX XXXX XXXX  of {$460.00}.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (IL)

I have inquires on my report that i did not authorize on my experian and they are as follows XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (NY)

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XXXX, -XXXX  with 36mo terms would have either become delinquent in first year or been paid in full by XXXX or aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XXXX as a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Consumer complaint received 2024-03-19
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. (FL)

A month ago, I XXXX XXXX XXXX XXXX  bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KS)

Please be advised after careful review of my consumer report I have come across the following items on my report. 

XXXX XXXX Account number XXXX There are multiple inaccuracies regarding the reporting of the said alleged debt. 
This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which this account qualifies as realized income. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete these accounts IMMEDIATELY Failure to respond satisfactorily with the above account deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX enclosed is a copy of my ID and proof of address
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must remove the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

This company report information on my credit report that don't have any knowledge of this debt never done any business with this company I asked to provide me with documents showing that I have a signed contract or agreement with this company I ask them to provide me a copy of driver license and copy of social security number and provide me me information that they are license and register to do busy in the state of Tennessee they haven't provide any thing. This company isn't following the fair credit reporting laws 609
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

Opened a Marriott XXXX Chase card. I am a Marriott time share owner in XXXX. Account opened in XXXX on XX/XX/XXXX Chase closed the account. I called they said they sent letter which i never recieved. In XXXX i called they said they would resend letter. And i would recieve a call back from Management. Never received call back but their records stated they tried XX/XX/27. talked with XXXX in customer service re the letter i recieved their was no reason stated. Since they are the Marriot property rewards program i have been unjustly penalized by not having use of this card. they still would not give reason for the cancellation I have other Chase cards and a XXXX credit rating. Need help please!
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I applied for the loan-modification on XX/XX/XXXX. Rushmore did not process on time and sent me an other loan modification application on XXXX XXXX. I sent back signed loan modification application with all required documents on XXXX XXXX. 


At XXXX XXXX, today XX/XX/XXXX. I, XXXX XXXX, talked to Rushmore Rep. Asked to update on the loan modification application submitted on XXXX XXXX. Rep acknowledged that the complete application package was received to rushmore on XXXX XXXX, However not yet processed. I asked him to reschedule an auction and postpone tomorrow 's auction ( XX/XX/XXXX ) until reviewing my loan modification application. Rep confirmed to me he is going to talk to the concerned department to do the needful. 

I would request an extension of auction to review my loan modification package, send me reinstatement and pay off the quote. 


From XX/XX/XXXX till dateI, I called several times and left several voice mail to single point assigned on that laon Ms. XXXX on number XXXX i, But never received a response. Kindly contact me on my number XXXX Regards, XXXX
Consumer complaint received 2024-03-19
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. (NC)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (MD)

This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (LA)

i ha disputed items on my credit report that were in accurate, several time with no results i have even got creditor involved and getting theses items removed because they are not correct. in the disputes equifax claim the verrified the info and i know thats not true because the creditor knows the info i s not right. the creditors or XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. each has been assisting me in trying to get items removed. equifax is not properly verifing the disputes
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (MS)

XXXX, Experian and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I contacted XXXX XXXX XXXX to pay off debt {$1700.00} to restore my credit. I have a Credit Monitoring account with Experian, to help monitor my Credit file, as I monitor my credit report and file, I notice, discrepancies on my Experian account information which needs to be corrected by Experian they have on my credit report that I have a balance of {$38.00} and that's incorrect, I have documents that show evidence of the balance between XXXX XXXX XXXX and me {$0.00}, and will like for Experian to correct this matter.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan.

I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required. 

On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX  XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ). 

I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title. 

Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX  to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (LA)

I got a quote for a loan from Interfirst Mortgage, but when that house became unavailable, I targeted a more expensive home. The amount of the loan increased from around {$170000.00} to {$230000.00}, and as a result they said my rate would have to increase. I protested and was told that they would be happy to match any loan rates, if I could provide them with a loan estimate from a competitor. 

Fearing losing the house in this crazy market, I elected to continue, which was a mistake. However, I got a competing loan estimate and provided it to the lender in advance of the closing. At that time, neither of my loan agents answered or returned any of the numerous phone calls I made, and I emailed them several times before and after the closing ( which was XX/XX/XXXX ), and they still have not made any effort to respond. 

Prior to me providing them with the loan estimate, they answered the phone readily, and always responded to my emails. I would have even refinanced the loan with them since they already had all the information, but their complete unwillingness to communicate after I provided the required information just solidifies that this is a dishonest company that never had any intention of doing anything other than giving me a terrible deal.