davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (IL)

Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (NM)

I recently saw that a debt collector ( XXXX XXXX XXXX ) is reporting a debt of {$490.00} on my credit report. This debt is over 7 years old. I have not contacted the debt collector or made any commitment to pay this with them. This debt is from 2014. I contacted the original creditor ( XXXX XXXX XXXX ) And they stated " That they stopped collecting on their debts and have removed all negative marks from any and all of the credit bureaus a long time ago. This mark should not be on my credit report and is incorrect reporting.
Consumer complaint received 2024-02-27
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I mailed 3 different letters to each Credit Bureau XXXX, Equifax and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

I have received numerous calls from Credence Resource Management ( CRM ) in reference to a bill of {$540.00}. When I last spoke to CRM they said the bill was for XXXX. I have never used this service in my life. They said they would dispute the bill. I checked my XXXX  report today ( XXXX XX/XX/2021 XXXX to find that CRM had flagged my account for the {$540.00}. I have never received a letter or bill in the mail requesting the {$540.00} ; only phone calls from the company.
Consumer complaint received 2020-01-22
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. (WA)

Transunion is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Transunion has no evidence  to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Transunion is now in willful noncompliance with the FCRA, and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Transunion must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

National Credit System, I know for a fact that I do not owe your company any money, how could your company collect a debt on behalf of another? I have never done business with National Credit Systems or XXXX XXXX ( Which is the original creditor listed on this false account listed on my credit file ) I am demanding that you remove this account from my credit report at once, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed accurate. Attached to this document I have also provided you with my police report.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX the natural person At this time I am distressed, overwhelmed and my life has been very difficult that XXXX and Equifax are violating my rights as a consumer by reporting an inaccurate Bankruptcy on my consumer report. I disputed this over 1 year ago. They informed me it had been verified by the Bankruptcy Court and XXXX. I reached out to both the Bankruptcy Court and XXXX, both organizations informed me via mail that they did not and do not furnish any public records to any bureaus, for it's against the law to do so. 

I sent these documents to XXXX and Equifax they have refused to remove this inaccurate account on my consumer report. 

At this time, I feel I'm being taken advantage of as a consumer. 

FACT- According to 15 U.S. Code 1681b - Permissible purposes - I never gave XXXX nor Equifax permission to report anything on my consumer report. 

FACT - 15 U.S Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 

This is a violation of my right to privacy. I demand this be removed from my consumer report immediately.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (PA)

A old debt still remains on my credit report, Account XXXX XXXX Bank Account XXXX XXXX Account Type XXXX Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
Consumer complaint received 2018-02-06
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. (NH)

I have tried to dispute an item with Equifax and could not ever reach anyone.. My report with Equifax was fine originally, but for whatever reason Equifax decided on their own merits to show it now late. XXXX   has updated their records regarding the student loan account.. If Equifax doesnt comply and soon, then I feel the only option left for me is to pursue a remedy in either small claims court or through the federal court system. The item in dispute is an account from from XXXX ( a private student loan service company ). 

The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were. I have proof from them that now that erroneous information has been corrected. That the credit bureaus are lacking in correcting my data in a reckless and dangerous not to mention callous manner.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2018-02-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

ON XX/XX/2018, I RECEIVED THE XXXX XXXX REVERSE MORTGAGE LOAN STATEMENT WHERE I SEE THAT XXXX XXXX   GOT XXXX FROM Y LOAN PRINCIPAL LINE OF CREDIT TO BUY FOR ITSELF A HAZARD INSURANCE WITHOUT MY CONSENT. I DON'T NEED AND I DON'T WANT SUCH ADITIONAL INSURANCE BECAUSE I HAVE THE PROPER HOME INSURANCE REQUIRED BY LAW .I SENT A COPY OF MY HOME INSURANCE TO XXXX XXXX, ALSO I CONTACTED BY PHONE A REPRESENTATIVE OF XXXX XXXX TO LET KNOW I CAN'T AFFORD THE ADITIONAL HAZARD INSURANCE. THEY IGNORED ME. 
BEFORE ALL THIS, XXXX XXXX SENT ME SEVERAL LETTERS WHERE THEY WROTE THAT I WAS XXXX, THEREFORE THEY WILL DO A FORECLOSURE OF MY PROPERTY. IN MY OPINION THAT WAS A THREAT TO GRAB MY PROPERTY. ( SEE THE LINK : TOP 33 REVIEWS AND COMPLAINTS ABOUT XXXX XXXX ON THE CONSUMER AFFAIRS SITE, WHERE PEOPLES SAY " XXXX XXXX IS A LAND GRABBER ''. ALSO AT THAT TIME, XXXX XXXX GRABBED FROM MY PRINCIPAL LINE OF CREDIT XXXX FOR A FAKE PROPERTY APPRAISALTHAT NEVER HAPPENED. 
EACH LETTER OR PAPER THAT I RECEIVED FROM XXXX XXXX   CONTAIN THREATS. 
XXXX XXXX GOT MY LOAN ACCOUNT FROM XXXX WHERE I STARTED MY REVERSE MORTGAGE LOAN. I'M FEELING ABUSED FOR XXXX XXXX. 
WOULD YOU PLEASE HELP ME ABOUT THIS ISSUE? XXXX
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.
Consumer complaint received 2022-04-29
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. (FL)

I have contacted XXXX, Equifax and XXXX to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors.

I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form.

2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt. 


I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide the license to collect and report in my state and registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NE)

I was notified on XX/XX/XXXX that my loans were forgiven under the PSLF waiver! I am overjoyed and so thankful! I have been corresponding off and on with Fed Loan Servicing throughout this process. In every call when I spoke with a CSR OR a supervisor, I was told that any payments past the 120 towards my PSLF, would be refunded. Under the waiver, all of my payments counted-so from XXXX XXXX XXXX when I made my last payment. I met my 120 in XX/XX/XXXX. So there are 4 years worth ( 48 total ) of payments that I was told would be refunded to me. I asked each time, that even though I didn't have a Direct Loan at that time, it didn't matter, because under the waiver, any payment counted, therefore any over the 120 payments, would be refunded. 
I do not see anything on Fed Loan account that will let me check the payment counts and no one was able to give me the payment counts over the phone. I want to ensure I have been given the right information-all the dates I have called should be located in my account-that I will be getting a refund.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Prior to a refund with amazon I had an available balance of XXXX in my chase account amazon refunded my money and chase made my available balance of XXXX disappear so the only money I had in my account after the refund of XXXX dollars from amazon but my availability balance that was there already wasnt reflected to my account only the XXXX
Consumer complaint received 2018-04-06
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: Experian Information Solutions Inc. (NY)

I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX. My student loan was being serviced by XXXX soon after moving to XXXX I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX XXXX XXXX this is around XX/XX/XXXX. I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX  is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2021-01-28
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. (NY)

I am having a monumental problem with XXXX and my credit reporting agency. When Experian and XXXX  agencies report to XXXX, they are sending in reports that indicate that my FICO  score is under XXXX. I have never had a FICO  score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX 's tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at Experian & XXXX. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and XXXX XXXX.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MD)

Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.