davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX 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 2022-06-18
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. (IL)

In accordance to the Fair Credit Report Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-06-18
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. (IL)

In accordance to the Fair Credit Report Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2018-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

I received a notice from Specialized Loan Servicing ( SLS ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from XXXX XXXX XXXX XXXX   to their company in XX/XX/XXXX. Our payments with XXXX XXXX and SLS are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because XXXX XXXX was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called XXXX XXXX on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as XXXX XXXX as stated they would not have discharged the bankruptcy as stated in the documents.
Consumer complaint received 2022-03-04
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. (CA)

There are several accounts that are not mine on my credit report. Experian states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed from my credit report.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (FL)

I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CarMax, Inc. (GA)

Carmax continues to violate my Federally protected consumer rights. These violations have caused hardship and distress upon my estate, to my reputation and to me personally. I have attempted to settle this matter without taking legal action and this is my final attempt. In XX/XX/2021, I sent a cease and desist letter and Carmax has since committed several violations of my rights stated in the letter. 

In this letter, I requested validation of the alleged debt via audit trail, pursuant to 5 USC 552 a ( d ), which states : ( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; Carmax has failed to validate this debt with the original creditor. They have failed to present the original source of funding for the consumer credit transaction. 

In this letter, I also directed Carmax to remove any derogatory remarks to my consumer report. Attached you will find 2 screenshots : the first one, they zeroed out my account. In the second one, they report that the debt is charged off as bad debt and that the dispute has been resolved. That is false and harmful to my reputation. This is also a violation of 15 USC 1681d. 

As stated in a previous complaint, and Carmax also authorized and released my private location information to a third party, who attempted to steal my property and threatened that more people would come to my home to attempt to do the same. This is a violation to my privacy and to my safety and to the safety of my family. 

This is just a few of the violations committed by Carmax that have caused me harm. These violations are willful and malicious.
Consumer complaint received 2021-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (FL)

I requested a {$100.00} one-time XXXX payment from MoneyLion. I have used this service a few times in the past and have never had issues. On XX/XX/2022 when I attempted to utilize this service for {$100.00}, it showed that the money had been deposited into my account with them. However, it never became available for me to withdraw. You can not reach these people via phone and attempting to message them is XXXX on earth. After messaging them on XXXX for days, they still said I had to pay them back even though I never received my {$100.00} from them - so they technically are stealing my money for this transaction. I asked for this XXXX request to be cancelled but they only said they could extend the payback date by 14 days instead of on XX/XX/2022. I do not have any issues paying it back, I just dont want them stealing my money and I want nothing to do with this scam of a company after this situation.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Failed to acknowledge or return payment of XXXX that shows on credit report it was made and deducted but doesnt reflect on report from XX/XX/2022 and has different balance amounts. And is missing a lot of information from credit report and I would like to seek damages
Consumer complaint received 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (OR)

Hi! 

On XX/XX/XXXX I visited the ER at the XXXX XXXX XXXX Hospital. I provided my insurance information at the time of service. I received and paid 4 bills that were processed through my insurance XXXX XXXX XXXX XXXX XXXX, which was provided to me by XXXX. One bill, attached, was a facilities fee for {$570.00}. 

Without telling me, my insurance refused to pay this bill. They claimed the billing codes were fake. Also without telling me, the hospital sent this claim to a debt collection agency after 3 months. After a long back and forth in which I had no leverage, I ultimately paid {$290.00} to the debt collector CMRE Financial on XX/XX/XXXX.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX in XX/XX/2016, but Equifax never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA charged off my account in XXXX of 2017 but since then has continuously been reporting my account late every month. I have XXXX credit cards with USAA that are reporting in this way. I have contacted USAA on multiple occasions but they are unwilling to resolve the issue. An account can show a charge-off status plus late at the same time.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have sent numerous dispute letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Consumer complaint received 2018-05-13
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: EQUIFAX, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Consumer complaint received 2023-08-12
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)

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 2018-05-13
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. (NY)

i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS XXXX AND XXXX AS WELL AS TRANSUNION NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.
Consumer complaint received 2018-05-13
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. (NJ)

Dear Officer, I'm writing to report problem experienced with XXXX XXXX, which led to incorrect reporting of late payments. 

I'm a customer of XXXX XXXX  since XX/XX/XXXX, everything was fine until recent years, when they keep changing their credit card program ( from XXXX XXXX to XXXX XXXX in XX/XX/XXXX, and from XXXX  to XXXX XXXX  in XX/XX/XXXX ), which creates great confusion for customers. 

In XX/XX/XXXX, I thought the program is ending, so I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points. 

I called and wrote to the dispute department several times, however they remain unresponsive. Therefore I'm writing to CFPB to have the issue resolved. 

Last but not least, it appears that XXXX XXXX increased the reward points redemption threshold from around 1,000 to 25,00, which forces customers to use the card even though the features of the card is no longer competitive. I found that exceptionally unfair to the customers, and I saw no other company implementing the same rule. 

Please advise, really appreciate your help
Consumer complaint received 2018-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX  XXXX XXXX  TU : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-03-06
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: Byrider Franchising, LLC (PA)

I have been disputing this issue for over a year now with CNAC. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to XXXX which I was given by CNAC which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called XXXX and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''
Consumer complaint received 2022-06-18
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. (GA)

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; XXXX XXXX XXXX is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection Bureau Of FWB Has been sending me collection notices. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature..