davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-30
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: CarMax, Inc. (GA)

On XX/XX/2022, XXXX XXXX XXXX sent Carmax a check for {$13000.00} to pay off my auto loan as I have refinanced my account with XXXX for a much lower interest rate than Carmax ... Carmax-16.95 % XXXX % On XX/XX/2022, I also paid an additional payment of {$400.00}. XXXX from XXXX emailed me on XX/XX/2022 as Carmax advised them ( XXXX ) bank that I still owed on the vehicle {$60.00}, and they were not releasing the title. I informed XXXX that I wouldn't pay them as they inaccurately reported the account. As of XX/XX/2022, Carmax applied the check towards the account. CARMAX WILL NOT RELEASE THE TITLE as a result, the bank has informed me that they will have to release withdraw the loan. I am reporting this to the FTC for FRAUD. 

XXXX ( Customer Analyst ) from CARMAX corporate office XXXX stated that he would look into the matter within 24-48 hours. However, I received a call that Carmax informed them that my payment was rejected, which is incorrect. There are documents of 33 pages attached to include payments that were NEVER rejected. 

I have reported CARMAX TO FTC FOR FRAUD AS WELL.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants has been trying to collect a debt of {$320.00}, which on XX/XX/2018 I sent a letter disputing this debt. 
The Letter was delivered certified mail and signed for on XX/XX/2018. The credit report was never listed as disputed. I have retained a copy of the signature and date of receipt, as well as a time stamped copy of my credit reports. 
I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Diversified Consultants. Diversified Consultants had 30 days to comply or remove this from my credit report. As of this date XXXXXX/XX/2018 I have not received any such evidence.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax never gives me a free credit report. I try every year but for some reason I always have an issue. The only way I 'm able to get it is if I buy it.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I just checked my credit score on XXXX XXXX and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

XXXX XXXX, 2017 To whom it may concern : I am filing a complaint against : Gold Key Credit , IncXXXX XXXX. XXXX XXXX, XXXX, FL XXXX Not only have they failed to furnish me with a signed contract of monies they say I own, they continue to put remarks on my credit file. I have sent several certified register letters to them asking for signed contract of debt. They have only sent me information typed on paper as well as computer generated invoice from their company. I have called many times only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me to pay it. Not giving me any information to why. I also sent information to all three credit bureaus, suppling information about the company in question. XXXX has not been so forth coming, saying that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. I have been turned down for multiply credit opportunities because of this erroneous information that Gold Key continues to put on my credit report. Not to mention they say they have all the personal information they need! Need for what? My credit has been stolen in the pass and they also had all the personal information as well, that doesnt make it ME! Not only was I not in town for the two months of the date in question, but my oldest son, Great Uncle and God father all have the same name as me and two of them lived with me at one time or another. 

I would appreciate any help in this matter would be great. 

Thank you
Consumer complaint received 2023-03-17
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

Once again Amex tries to XXXX XXXX  theyre paying customers. I opened my AMEX XXXX  card XXXX XXXX XXXX The card had a welcome bonus of XXXX points after {$6000.00} spend in 6 months, and 10x the points for restaurant and small business purchases. Ive been tracking all of my points every month because I was scammed out of points before for my gold card. I even track the bonus spend by multiplying my purchases to check in the bonus points rewarded. I discovered that none of my XXXX orders which qualifies for restaurant bonus ( confirmed with 2 membership rewards customer service reps, and 2 membership rewards supervisors ) were being rewarded to my card. I called in early XXXX to file a claim and provided the agent with every XXXX transaction date and amount. The claim was closed without my points rewarded and no one can tell me why since it qualifies and I wasnt rewarded it. Ive been going back and fourth promised numerous callbacks I never received. I then tried calling back today to check on the status to be ran around in circles blindly transferred. Im owed over XXXX bonus points for my XXXX transactions since I got the card and Amex is refusing to honor their welcome bonus that was confirmed on numerous occasions I shouldve gotten my bonus points for.
Consumer complaint received 2022-07-25
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. (TX)

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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 2022-03-30
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. (NY)

Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2022-03-30
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # 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 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

I had listed this complaint with you before about Mr Cooper/ Nationstar losing my XX/XX/2021 payment in which you didnt ever get resolved. They said that I didnt make my payment in XXXX of 2021 in which I did and have sent the documents proving that I made the payment. Now they are completely ignoring me and my emails. I have complained with their research department and their executive resolutions department and still nothing happened. I have e even filed a complaint in their complaint department and still no one has contacted me back. I had asked you over a month ago to help me fix this issue in which you didnt. I am XXXX that it has been XXXX months and there is still no resolution to this issue. I want some results this time out I am going to have to find a lawyer
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

MY CREDIT CARDS WITH CAPITAL ARE RESTRICTED DO TO NO PAYMENTS MADE, I HAVE NOW PAID THEM CURRENT OR PAID THEM TO XXXX AND THEY REMAIN RESTRICTED. AND THEY DO NOT WANT TO TELL ME HOW I CAN GET THEM RESTRICTED OR IF THEY WILL CLOSE, ALL THEY SAY IS THAT THE SYSTEM WILL DETERMINE WHAT WILL HAPPEN TO THE CARDS. I DONT WANT TO CLOSE THEM SINCE IT WILL DAMAGE MY CREDIT MORE THEN IT ALREADY IS, I MADE THE DRASTIC PAYMENT AMOUNTS SO THAT I CAN USE THEM TO HELP ME REBUILD MY CREDIT. BUT IF THEY ARE GOING TO CLOSE THEM, THEN THEY SHOULD DISCLOSE THAT NOW SO I CAN DETERMINE WHAT I NEED TO DO.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been dealing with issues with Equifax credit reporting agency for almost 1 year now. I have been attempting to get a construction loan to build my house and 4 different lenders have been unable to pull mine and my wifes Equifax report. They have consistently gotten XXXX and XXXX with no problems. I filed a complaint after hours on the phone with no resolution on XX/XX/2022 with CFPB. The result of this complaint was stated to be resolved by Equifax however their answer was the same I had gotten every time I called. It was in essence not resolved. Now almost one year later I am attempting my construction loan and again the bank can not retrieve my credit report from Equifax. XXXX and XXXX are fine. My wife and I have been on the phone 3 more times in the last week trying to get to the bottom of it with no avail. Every person we speak to states there are no freezes, no fraud alerts the company should be able to pull the report. We have done authentication verification with Equifax as supposedly this would clear it up and today, the bank still could not pull the report. We have been going through this for a year now. Its absolutely ridiculous that no one can figure out why this is happening and only with Equifax. I am emotionally spent and so disappointed that I can not move forward with my home because they cant manage to fix whatever this problem is. Something is wrong and they need to figure it out. I have tried absolutely everything I can at this point. We need some help. Below is a document showing the latest reason the lender got after attempting a pull. This is after I spoke with Equifax and they stated there would be no problem getting my information.
Consumer complaint received 2022-03-30
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. (PA)

My name is XXXX XXXX and I am making this complaint willingly and without a credit repair servicer or any other third party. Please see attachments for more details.
Consumer complaint received 2022-03-30
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. (TX)

I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX XXXX  payment on the XXXX XXXX  XX/XX/2020 and on the XXXX XXXX  XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Consumer complaint received 2022-03-30
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. (TX)

I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Consumer complaint received 2022-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

I have had an account with CIT bank subsidiary of XXXX XXXX XXXX for several years. Now, I'm closing on a house and attempting to transfer money out of this account for this purpose. However, I get a message : Force migration is in progress, please try again after some time. 

and I'm unable to access my account or make a transfer. 

I have been unable to access my account all day despite having attempted to talk to their support team for several hours. In some cases, there reps were even rude and condescending.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.
Consumer complaint received 2024-03-05
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. (CA)

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.

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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

My Wells Fargo account was hacked which I made a call about and they told me that they would refund me. So I sent my irs check to that account cause I thought it was okay, they ended up taking XXXX $ out of my account when the check hit cause it was overdraft from the hack. It showed I had an available amount and I was only using my card cause that. They told me the irs check didnt hit till my account closed because the overdraft like 3 days later, even though it showed available. My card has never been able to access money without it being available. Even if so still an issue on their end, I should see an accurate number for availability on their app. So they closed my account took all of my irs check because they didnt solve the issue correctly and blamed me. They use my money to close the account without any warning or call and my account was fine the day before. I have called so many times and I also have went in and they keep putting the blaming on me for my account being hacked. I am a poor college student and Im trying to graduate right now, that money from irs was my only money I had and I cant afford to eat or buy anything I need. They wan na refund me XXXX $ for one of the overdraft when they should do all them cause they werent me.. this has caused me distress and anxiety and I feel like no one is advocating against this or for me and Wells Fargo was really unhelpful and unkind. When I went in the lady tried to scolded me about what Ive spent money on, it was unprofessional and she also was blaming me. Young people need to be listened to, too. I have no one else to come in with me and help and its really unfair and unfortunate that Wells Fargo thinks its okay to take advantage of me because Im young and my money. They also keep blaming me for the overdraft fees even though I called and they told me I must of talked to someone that was a scammer. Which I feel would mean I need more support by them, but they stole my money.