davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (MD)

XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CT)

On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.
Consumer complaint received 2024-03-05
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. (UT)

I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly listed the disputed accounts and detailed the violations affecting my consumer report in each correspondence. 

It has been over 30 days since my initial dispute submissions, and I have yet to receive a response from any of the bureaus. 

Attached are copies of all the letters sent for your reference. 

Please address this matter promptly.
Consumer complaint received 2022-06-15
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, XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2022-06-15
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, XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2022-06-16
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. (CA)

i need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.
Consumer complaint received 2022-06-16
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)

i need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I just noticed this week that I had an account in collections. It shows this account was sent to collections 2 years ago and I was never notified. I never knew I even had a payment due. I did not receive any phone calls, emails, or letters in the mail. I want this charge removed.
Consumer complaint received 2022-06-15
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)

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 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 2020-11-06
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. (GA)

The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXXand the Credit Bureau.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Consumer complaint received 2021-06-10
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. (GA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Hello! Im writing about an issue Im having with Equifax. 


There are four closed accounts showing on my Equifax credit report, all STATING that I have XXXX  late payments, but then reporting that I have multiple late payments. Ive asked them to verify the correct dates and amounts for the closed and charged off accounts, as both the date and amounts are different across all three bureaus. They SAID they verified the accounts but when I asked them to provide proof of said verification, the proof they sent doesnt even almost match whats being reflected on my account. In addition to that, there are dates that have been clearly changed and updated to have happened in XXXX  when these accounts have been closed for years. Is Equifax allowed to change the dates of when my accounts were opened/closed or the dates/amounts I paid? Can the CFPB possibly look into the validity of their claims and provide me with the proof of verification? The accounts in question are as follows : 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 XXXXXXXX Im just trying to have a uniform credit profile across all three bureaus, so I know what Im working with. If Equifax can not tell me why this information doesnt match and is actively still inaccurate, then I would like to have these accounts removed from my report completely. Thank you very much for your time!
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)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report with reference number XXXX. Here is the list of items which were opened without my permission : XXXX : XXXX XX/XX/2023 -- -- -- -- XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-15
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. (FL)

My credit score with Experian was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit score decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with Experian. I am XXXX  at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2018, I contacted XXXX about being charged an additional {$50.00} after I had paid off my credit card balance. At first, the company insisted the charge was valid, but I pointed out that it was against the law for credit cards to charge more interest once the entire balance has been paid off. The represented checked with a manager, and agreed to refund the amount. 

Also on XX/XX/2018, I contacted Chase about being charged an additional {$10.00} after I had paid off my credit card balance. The representative spent several minutes insisting that the charge was valid, and there was nothing he could do. I told him such charges have been illegal since the financial reform, that I refused to pay it, and that I would report Chase to the CFPB. Eventually, he decided to check with a manager, and then agreed to refund the amount. 

While both credit cards agreed to refund the additional interest, I don't want to go through this every time I pay off a credit card bill. Not to mention that there are millions of people who are unaware they shouldn't be paying those additional interest charges. Credit companies are defrauding consumers of billions of dollars annually, and they should be held accountable. These companies should be forced to refund those charges, and permanently stop this practice. That is why I decided to report the issue to the CFPB.
Consumer complaint received 2022-06-15
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2020-07-26
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. (AR)

According to FCRA, Im unable to get my credit report due to a failed website and information that is either mixed or fraudulent. I can not access my personal information for being locked out of Trans Unions online website. Once I login to XXXX XXXX which I dont know who this company is, it does not sat Trans Union but redirects me to this site. Once account is setup accessed and then logged off, it locks you out. There must be some fraudulent activity associated with XXXX 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 status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian, XXXX & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

In XXXX I paid the full amount of XXXX. In XXXX my balance decreased to XXXX. I called the company to say I paid them in full in XXXX which they agreed. They have told me numerous times to call back, or it will be off in another 30 days. I have called every month since XXXX. I am furious. Then I disputed it thru XXXX  they verified the account and that I still owed XXXX. Which is completely in accurate I called the company today to be told call tomorrow.
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (GA)

I relocated to XXXX GA in XXXX. I alerted CarMax of all of my current and updated addresses as per our agreement. 

My vehicle was repossessed between XXXX and XX/XX/XXXX due to me losing my job and not being able to keep up with payments for 4 months. 

It is now XX/XX/XXXX and I have reached out to CarMax to take care and settle my account. The cover page from CarMax is addressed to a XXXX XXXX and not myself. 

I have now received " copies '' of CarMax 's intent to sell that was originally sent to an incorrect address on XX/XX/XXXX. This certified mailing has a status of : Returned to Original Sender. 
I did not receive this communication. 

I have now received a " copy '' of CarMax 's intent to sell dated XX/XX/XXXX via NON certified mailing. I did not receive this letter as it was sent to the incorrect address. 

I have now also received a " copy '' of CarMax 's alleged Calculation of Deficiency which has an exorbitant 95 % additional costs compared to the stated aggregate amount owed after deducting the proceeds of the sale. This notice also states that CarMax is charging additional " finance charge or interest '' that is being added to the balance. 

I did not receive any communication pertaining to the repossession of my vehicle, prior or immediately after its repossession. 

CarMax 's lack of attention to detail coupled with their lack of due diligence has hindered me from obtaining credit. 

During this time of COVID19 it is imperative that CarMax fixes their broken system to ensure that accurate information is referenced when dealing with their consumers.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I have used XXXX  multiple times before for loans and refinancing of them, all of which were paid in full. 

After refinancing a loan as I had previously done, I contacted XXXX   on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. 

The XXXX  customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. 

When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX  have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX   multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. 

I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.
Consumer complaint received 2021-05-07
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. (TX)

I have disputed numerous items on my credit report as multiple times and nothing is being addressed. All they do is do an investigation and carry over the results of the previous investigation ( which are wrong ) and therefore that then makes any further investigation incorrect. Nothing has been actioned on the 3 certified mail letters that I have sent them, no evidence of the accounts in dispute has been sent to me despite requesting this numerous times. I have sent evidence of accounts that have been paid and should not be on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX but every single thing gets ignored. I have 14-18 credit inquiries that I do not recognize but these are still on my report. Why is nothing being done? Why am I being ignored? Why are you not investigating the facts and actioning the hard copies of the information that you signed for via certified mail? Remove the items from my report as requested months and months ago.