davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CarMax, Inc. (TX)

I bought a car from carmax I barely had the car for a year and had mechanical problems with it. I found out it was the engine. I took it carmax and I told them about the problem and asked them for an exchange for a different one they refuse too and on top of that expensive problem I had to replace the battery that cost me {$230.00} it had battery acid on it and it damaged some other parts of the car. They temporarily fixed the problem do once a customer drives it off the lot they know they would blame the customer for the problem even though it's carmax problem. They sold me a lemon car knowing the car had problems. I gave up the car around XXXX they have been putting it on my credit report as a charge off for five years even though they closed the account. They won't stop destroying my credit report. They know that the statute of limitations in Texas was up in XXXX but they constantly charge it off ever month and year.
Consumer complaint received 2022-04-09
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. (AK)

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXD XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXXXXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on Experian, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Consumer complaint received 2022-04-09
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. (TX)

n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of 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, 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 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TN)

I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company Republic Finance on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my Republic Finance Installment loan was sold to a third party collection firm named XXXX XXXX. The original loan amount from Republic Finance was XXXX. XXXX XXXX had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company Republic Finance refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
Consumer complaint received 2022-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TX)

XXXX XXXX  bank called me on XXXX XXXX and on XX/XX/XXXX. I haven't heard from them in two years and now they put the debt back on my credit report again when they took it off my credit report back in the year 2020. They are going to repeatedly call me just like they did in 2020. My credit score dropped dramatically because of them.
Consumer complaint received 2022-10-24
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: Chime Financial Inc (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Chime/XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given CHIMEXXXXXXXX XXXX ANY permission to use any of my identifying information to commit fraud. Until CHIMEXXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and Chime/XXXX Bank continues to report this unauthorized account. I will file for litigation for actual damages caused and CHIMEXXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A , extortion, theft by deception and securities fraud. CHIMEXXXXXXXX XXXX  is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was attached to this said Chime/XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear XXXX : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : 1. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

2. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : XXXX  XXXX XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only one who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, Permanent Resident Card.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-10-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by TransUnion, XXXX and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. 
-Have n't been able to purchase a house due to error on my consumer report. 

15 USC 1681 ( a ) ( 4 ) right to privacy. 
-Did not give consent to repost items to consumer report. 

15 USC 1681 ( b ) must follow reasonable procedures.

-Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. 
-Items was reported that i used my social to obtain. 

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Consumer complaint received 2018-05-10
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. (WI)

A hard pull showed up on my Equifax credit report that I didn't recognize from XX/XX/2017. The company 's name is XXXX/XXXX. It shows up as a personal loan co-signer category. I did not try to co-sign anything inXX/XX/2017
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank will be closing my account within the next 35 days due to undisclosed " risk factors ''. I've been a Fifth Third Bank customer for the past 6 years with an impeccable record. I've only used my account to receive deposits from my employer and make payments to my credit cards, car, and rent payments. The average balance has always been about {$14000.00}. There's nothing crazy going on. Fifth Third Bank came out of the blue and closed my account without a reasonable explanation. This is unfair and I consider this a really bad practice. Furthermore, they're arbitrarily prohibiting me from doing business with them after multiple years of a good relationship. 

Please help dispute this arbitrary decision to make Fifth Third Bank revoke it. There's no real reason to close my account.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to TransUnion LLC twice Wednesday, XX/XX/2022 and today XX/XX/2022 to complaint about them having my personal and private information without my oral or written consent and for furnishing inaccurate information on my behalf without verifying anything. I have filed an FTC report for identity theft that themselves are participating in it. In my FTC report, I let them know that it was not made in error nor in misrepresentation of material fact relevant to the request. I have listed some accounts and inquiries that needed to be removed within 14 days as the law require. Not only they told me they rejected my FTC report but at the same time they added an identity theft statement to the report ( i did not know that a limited liability company can reject a consumer identity theft report ) but the supervisors were very rude saying I can GO KICK ROCK and I can go file thousand of complaints with the cfpb that they do not care and they will not remove anything in flagrant violation of my federal protected right. ( BASICALLY, I CAN GO XXXX MYSELF. THEY ARE THE ONES WHO RUN THE SHOW ) I have a recorded audio of both interactions with TransUnion LLC supervisors in case i have to turn to the federal court for resolution and remedies. I have attached is the letter i received from them.
Consumer complaint received 2022-04-09
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. (TX)

Please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The debt was brought to my attention XX/XX/XXXX when I received notification from the credit bureau. Someone purchased items in my name on credit and made payments from a fraud account in my name. This account Portfolio Recovery was unfairly place in my credit file. I have no knowledge of the debt. My identity was stolen and used several times before to open and pay various accounts. I have frozen my credit file before in 2017 and have stopped fraudulent activity on my bank account by changing by card number and adding alert to all my accounts. There is no proof that this is my debt other than my name being falsely attached to it. 
I was apart of several data breaches with, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.
Consumer complaint received 2022-04-09
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. (NC)

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MA)

BBVA USA migrated all Simple users to their own BBVA accounts. This migration failed for a number of users, myself included. Ive been unable to reach BBVA by phone- long hold times followed by automatic hang ups. I can not access my account to setup a wire transfer to move funds. I can not close my account.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

I have been paying my student loans for XXXX  years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to Federal Student Aid ( FSA ) since XXXX  ( XXXX  years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of XXXX  years and they will not. They refuse and I am worried that my XXXX  years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called FSA and they told me to file a complaint against Nelnet, which I did. Nelnet sent me a document that was incorrect. I need payment history of XXXX  years that is accurate.
Consumer complaint received 2018-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My mortgage was transferred to a new servicer and the auto draft did not transfer, I have made the payment several times and their system is having problems processing, they have acknowledged that and assured me they would not be charging late charges or negative credit reporting. and this is their issue, I am calling them daily to get this resolved and now there is a negative report on my credit report
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Experian lower my credit score due to an inaccurate payment status that was made by XXXX XXXX in XX/XX/2017. XXXX XXXX has corrected my positive payment history and Experian is still refusing to recalculate my credit score as raise it back to the status that is was in before this inaccurate, negative information was place on my credit file.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Im user of the company ( CONBASE ) on COINBASE.COM since 2019. 

On XX/XX/XXXX I received an email of COMPLIANCE asking me I was manual selected for a ID VERIFICATION, then they block my account and my card Associated to the account and send me a link to upload my ID or Passport. I send all of that, and wait for 3 days.. then I claim them against Email and then they asked me for a Proof of residence and then I send them, after this they Start to send me emails asking me LOT of things till I know COINBASE dont need to know about are a PERSONAL and PRIVATE information like : How much money I win, Send the Bank Report of last months, send a Proof of receipts of payments, send the documentacin of ALL my companies, and after SEND EVERYTHING of that they stop to reply... 

After that I try to Contact them on Phone, Mail, XXXX, XXXX ... and the company dont reply. Like I told them Im right now on XXXXXXXX XXXX XXXXXXXX in a Tourist trip of 3 months, and what they are doing after ONE MONTH for a " ID VERIFICATION '' its Block MY MONEY, MY CARDS, MY WITHDRAWS... I need to CLAIM THEM a compensacin about I needed to ask for a money in debt to Friends againd this situation! 

They have a REALLY BAD COMPLIANCE DEPT. and they need to UNBLOCK MY ACCOUNT, AUBLOCK MY CARD, and COMPENSATE for my time and the moral damage they do it to my during this process during ONE MONTH for a simple ID verification... ( I also send a video selfies on their website ) I need help.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (CA)

I have sent a letter to dynamic recovery solutions twice to stop contacting me. 

I have spoken to the rep : XXXX XXXX who works for Dynamic Recovery Solutions and told him to stop calling me but they keep calling me. I have blocked the number and still continue to get multiple calls a day