davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX of 2022 I went to Huntington bank and was unable to successfully open an account due to consumer reporting agency. I called and spoke with them yet no changes were made and im still unable to open accounts including bank account.
Consumer complaint received 2022-03-04
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-15
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. (NJ)

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.
Consumer complaint received 2022-08-16
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (KY)

I have an automobile loan with Carmax Auto Finance ( Carmax ) The loan is due on the XXXX of each month and the funds come out of my account on the XXXX of each month. I have my payments made through my XXXX XXXX  automatic bill payment process. I have used this process since XXXX without any prior issues. 

The problem is that Carmax says that my payment for XXXX has not been made. However, my online checking account statement shows that the payment was sent by XXXX XXXX  on XXXX. I also have proof of payment documentation from XXXX XXXX  showing that the XX/XX/XXXX payment was made on time. On or about XXXX, I started getting calls from Carmax Auto Finance regarding the so-called " late payment. '' On XXXX, I called Carmax Auto Finance to tell them that the payment had been made and that I had proof of payment from my bank. I asked the customer service representative ( CSR ) if I could send them this proof in order to resolve the matter. The CSR stated that she had no way of taking that information. She advised me to call back Carmax in XXXX business days to follow-up. She stated that it would take that long for the accounting team to research the issue. I asked her to not have Carmax contact me about the late payment anymore because I had proof the payment was made in a timely manner. I also stated that my account should not be charged any late fees or penalties because the payment was made in a timely manner. 

On XXXX I called Carmax again to see if they had resolved the issue. The XXXX said that they had not had time to finish their review, although the CSR I spoke with on XXXX said it should be resolved in XXXX  business days. 

On XXXX I called Carmax again to see if they resolved the issue. The CSR said the payment had not yet been found. I asked to speak with a manager to see if there was a way I could sent the proof of payment. The CSR gave me a fax number. I again asked to speak with a manager to try to resolve this. After a brief hold, I spoke with a manager named XXXX. He gave me an email address to send the proof of payment, which I sent within the hour of our discussion. 

As of this date, XXXX, XXXXXXXX XXXX, XXXX, the matter remains unresolved. I would like the CFPB to help me resolve this issue. Specifically, I do not think that I should be charged any late charges or penalties and I do not want any adverse information reported to any of the credit reporting companies.
Consumer complaint received 2022-08-16
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (CA)

Hi my name XXXX XXXX XXXX XXXX i was XXXX  on the years XXXX until XXXX. Someone use my inf to get a loan in a new car dealership n or a mortgage to get a house? Which everytime a do my credit check online they always ask me about those two big loans that someone did under my name while i was in XXXX. I do have proof of my XXXX  time. Thank u
Consumer complaint received 2019-01-24
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. (CA)

This complaint is regarding closed XXXX XXXX account XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Consumer complaint received 2022-08-16
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-24
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. (MO)

My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX 3 times of {$34.00} overdraft Fee by Chase bank XX/XX/XXXX 4 times of {$34.00} overdraft fees by Chase bank Contacted the Bank many times and they refuse to waive these fees
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really mine.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (MI)

I opened my account with Albert Bank in late XXXX ( around the XXXX ) after my friend, ( initials XXXX ), referred me to their app. There was a promotion where the referrer and the referee will receive {$500.00} if certain terms and conditions are met. I explicitly remember my friend 's name showing up when I opened my account, indicating that the referral had processed properly. 

Recently, I had completed all of the requirements needed to receive the {$500.00} bonus. However, when I reached out to customer service at Albert Bank, they said there was no referral tied to my account. It sounds as though they are trying not to pay out the referral bonuses that are rightly due to my friend and I. 

My friend has also reached out to their customer service indicating that he did indeed refer me but we have received no response or indication that they will make things right. I have heard that others have had this same problem with Albert Bank so I do hope that they remedy the situation for all involved parties. 

Thank you for your help and support.
Consumer complaint received 2019-01-24
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: Experian Information Solutions Inc. (MO)

I recently disputed the following accounts and the credit agencies, XXXX, Experian, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX  ( XX/XX/2016 )
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MD)

Receivables Performance Management is attempting to collect a debt that I do not owe. 
they claim that I owe {$520.00} and this was opened on XX/XX/2018. I have already sent them substantiating documents showing that this was a result of identity theft but they have not been willing to cooperate with me and continue to report this on my credit file.
Consumer complaint received 2019-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.
Consumer complaint received 2022-08-16
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. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MD)

The account that is being reported on my credit reports are a result of identity theft Discover Financial Services is claiming that I owe {$4700.00} as of XX/XX/2019. I previously sent them documentation that included an approved police report and an FTC report showing that this was a result of identity theft.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an attempt to collect a debt on behalf of XXXX XXXX ; by the agency of Fair Collections and Outsourcing ( FCO ), the account has a balance of {$7100.00} dollars and was opened using XXXX XXXX maiden name without her consent at an address where she does not nor as has ever lived. A formal dispute of this account was mailed certified with return receipt to FCO XX/XX/XXXX ; FCO failed to acknowledge the dispute. A second dispute was mailed XX/XX/XXXX again certified with return receipt to FCO this time for an unauthorized inquiry into my clients credit report. FCO did confirm the issue was resolved however ; a recent credit report order and reviewed XX/XX/XXXX still lists the FCO account and inquiry on the report AFTER the account was know to be cleared as an issue of fraud. This continued reporting of this account is a violation of the FDCPA and FCRA and my clients consumer rights.
Consumer complaint received 2019-09-17
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. (FL)

XXXX, EXPERIAN AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Consumer complaint received 2019-01-24
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. (AR)

I submitted supporting documents to Equifax to get an item removed from my credit report. The document was an actual court order ( signed by the judge ) in  my favor showing that the debt/case was dismissed that was filed by XXXX XXXX. I'm no longer responsible for this debt/account. Equifax still reported the information as accurate. How is this possible? They actually tried to investigate a fraud claim on my behalf and I did not request a fraud investigation for XXXX XXXX.
Consumer complaint received 2018-11-19
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: Credit Karma (CA)

Credit Karma has assisted an identity thief in accessing my account with them. They have connected a known email account to me, to the Credit Karma account. I lost control of the email address earlier this year. I used to be the owner of that particular gmail acvount, and it was hacked. I submitted documents via mail to credit karma to prove MY identity and restore MY access to MY credit karma account, and somehow they have connected the identity thief 's account directly to it instead.