davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (LA)

I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.
Consumer complaint received 2023-03-21
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. (TX)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$760.00}.
Consumer complaint received 2017-06-26
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. (WA)

I received a letter from Chase bank that they are closing my account due to inactivity, even though I have made at least one purchase a month with the card for the last three to four years. I made two purchases this month.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2018-10-29
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: FORD MOTOR CREDIT CO. (NV)

I had a auto loan with Ford Motor Credit Company that account went to collection but I was able to paid it off the full balance. Ford still reports that account to my credit report, please stop reporting that account, too old. Thank you very much for your help!
Consumer complaint received 2018-10-29
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. (GA)

have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. 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 fix this ASAP
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (MI)

XXXX, MI XXXX I NEED TO SEND DOCUMENTS IN TO HAVE MY 3 ACCOUNTS OPENED. 1 CREDIT CARD, 2, 2 OVERDRAFT LINES. 
CALLED and left two messages for XXXX XXXX at XXXX ext XXXX. 


XXXX XXXX XX/XX/2019 XXXX XXXX XXXX. XXXX XXXX, MI. XXXX Office of the Vice President, XXXX XXXX XXXX VIA : Consumer Financial Protection Bureau Application IDs : XXXX and XXXX To a materially interested party, I am requesting Applications ID : XXXX and XXXX to be pushed through. I have no derogatory information in my file with XXXX, XXXX nor XXXX. As of XX/XX/2019 I have a FICO of XXXX with XXXX. I hope we can come to a peaceful resolution against your party without future complaints and if required potential litigation and change of venue if your party requests for my simple two checking accounts with a {$500.00} overdraft protection limit on each and minuscule credit card line.
Consumer complaint received 2018-10-29
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

I had an auto loan with Toyota Financial, I settled my debt with them but Toyota still reports this account to my credit report. This account is too old, please stop reporting it to my credit report. Thank you very much for your help!
Consumer complaint received 2023-03-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Please consider this a follow-up to my previous complaint to ensure the verification of the listed accounts.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (SC)

Ditech accepted a settlement offer of {$1900.00} in XXXX of 2018. We had to pay it by XX/XX/2018. I followed all directions as to how, where to send it, all. I have payment confirmation and signature confirmation they received payment in the XXXX of XX/XX/2018 by certified check. Ditech has payment received XX/XX/2018. We were told that the money was applied to regular payments instead of a payoff. They apologized but never got it straight. We were told due to conversion they were having problems. Told so many things. We have had continual problems since. All three credit bureaus have received negative reportings of 120+ days every month late since except one showed 90 days I think. We have contacted Ditech numerous times, almost monthly to get this straight. One month. XXXX was corrected, I think, that was all. We have documentation to prove, names, dates and times of phone correspondense. We have asked that the reporting stop months ago. We are still receiving calls, bills, and trouble with them trying to collect as well as the false reporting on the credit bureaus. Yesterday i was denied credit. My credit rating was badly affected. I filed disputes on two bureaus yesterday and will file the other today. Ditech should have this act closed, paid in full, and no negative reportings since settlement was accepted. Ditech has been contacted and told of this over and over and over for months! STill have not received title to property either.
Consumer complaint received 2019-01-10
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: Innovis (AZ)

On XX/XX/2017 Cbcinnovis Did a hard Inquiry on my account They had my permission then. They did another Inquiry on XX/XX/2017 and XX/XX/2017 They had my Permission to run my credit. 

Months passed by and on XX/XX/2017 they did another Hard Inquiry and again XX/XX/2017 and another on XX/XX/2017 I called Cbcinnovis and I asked why they had ran my credit again, they said it was a mistake. They had another customer with the same name and accidentally ran my credit. I asked if they can take care of it and they said yes. I waited and they haven't done anything to fix it. It has now been a year and still no movement. I am very upset as a consumer because it has had a negative affect on my credit. I am trying to fix my credit at the moment and this is not helping
Consumer complaint received 2023-03-21
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. (CA)

This complaint will be my follow-up method to make sure that these items will be removed or blocked : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous information or items which is being posted to my report.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MS)

Contacted Vanderbilt Mortgage and Finance , Inc. on XX/XX/2022. I asked for a one month extension on my home mortgage. The representative that handle my account asked me why I needed to extension and was I still working. I answered her questions as to why I needed this extension : My son had purchased a mobile home and needed some financial assistance to have his utilities turned on. 

She asked me how much it cost and I told her {$2000.00} and explained what it would take to get everything turned on for my son. She would put me on hold and come back with more questions. I asked her if it was a problem with my request, she said that I could only get one extension per year and they wanted to make sure that if I had a hardship later ; I would not qualify. 

After of all of her questions, her supervisor came on the phone and continued to question me as to why it cost so much to have his utilities turned on. I explained to him that we live in the rural area it costs more because the water meter had to be ran from across a highway in order to bring the water to his property. The supervisor apparently had issues believing my situation. He said my son was grow and he needed to handle his own financial situation. And that I was still responsible for paying my XX/XX/XXXX mortgage in the amount of {$630.00} During the conversation I indicated to the representative that I could pay XXXX and XXXX during the XXXX payment. But those individuals did not care about my request. 

As you can see, I only needed one extension. What is the reason a customer calls their mortgage company before the note is due, requesting assistance but they don't have any moral values about the customer needs.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX performed a hard inquiry on my credit report without my consent and without notifying me that they intended to perform this inquiry. I was simply relocating my service with them across town. I called Equifax to dispute it. They told me to contact XXXX XXXX XXXX. XXXX XXXX XXXX said they could not help me and that only Equifax could help me. When I contacted Equifax again, I spoke with two low level customer service representatives before I spoke with XXXX  ( Agent ID XXXX ). XXXX refused to share her full name with me, but she did tell me she was a supervisor in the Dispute and Fraud Department located in the XXXX. They said they could not file a dispute for this action by XXXX XXXX XXXX and said I had to file a complaint with the FTC or a police report. I chose to file the complaint with the FTC because I felt like my local police department would think it was ridiculous to file a police report for something that should be handled by the credit agency, Equifax.
Consumer complaint received 2022-07-11
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. (MN)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This was a phone that I never had in my name through XXXX XXXX and it was supposedly open in XXXX XXXX the Midland Credit Management has been taking my income tax since XXXX XXXX and now they are saying that I owe {$690.00} the internal legal account no.is XXXX I called them up and they even said that they didn't even have me staying at the address at the time of the incident but my information was used for someone to get a phone and I never even had a house phone in my life but my information was used by someone else to get a phone the collection company told me that I even had a attorney and I didn't even know anything about this either this is their contact information Midland Credit Management XXXX XXXX XXXX, XXXX MI XXXX their phone number is XXXX and their fax number is ( XXXX ) XXXX The contact person is Attorney XXXX XXXX XXXX XXXX They already took my 2019 state of MI income tax of {$320.00} they have a garnishment case number of XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX
Consumer complaint received 2019-05-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

I AM A XXXX PERCENT XXXX VETERAN NFCU TOOK MONEY FROM MY ACCOUNT TO PAY THE STATE OF VIRGINIA. I GET XXXX PERCENT OF MY MONEY FROM THE GOVERNMENT XXXX PAYMENTS. NO ONE CAN TOUCH THAT THAT.PERIOD THEY VIOLATED FEDERAL LAW.
Consumer complaint received 2023-03-21
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-29
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. (TN)

CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2019-08-31
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. (IN)

I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) I have not been able to reach Equifax. They are unavailable over the weekends
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXXXX/XX/2021
Consumer complaint received 2022-03-13
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. (FL)

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit scXXXX required to purchase a home. 

XXXX : Factual Data - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Experian : Factual Data XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 Experian XXXX XXXX XX/XX/2021 XXXX : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 Factual Data XX/XX/2021