davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (AL)

XX/XX/XXXX a consumer credit transaction was initiated with Carmax for a vehicle. In XXXX of XXXX Carmax Seized the vehicle even after I sent various letters to Rescind the contract, Verify, Validate, cease and desist and cfpb dispute. Carmax moved forward with the sale of the vehicle without informing me. This Debt was in Dispute and from my understanding no action should have been taken until resolved. My credit report shows " OK '' for XXXX XXXX and XXXX and I have proof that they were avoiding responding to my letters and request. The dates of the letters that were sent was extremely often and they also called and harassed me in regard to the alleged debt They have since sent me letters about balance but have also Charged off the item and updated it as so to the credit reporting agencies. the account was charged off in XXXX of XXXX and has repeatedly been updating the charge off every month. this is an update in the payment history which to my understanding charged off accounts should NOT include active payment history. Need I remind you this also falsely manipulates the statue of limitations I am demanding the deletion of the following account : Carmax partial account # XXXX
Consumer complaint received 2020-08-22
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: EQUIFAX, INC. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXXXXXX -XXXX XXXX  XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-22
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXX -XXXX XXXX XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

I had a financial hardship that began in 2018. I fell behind on payments. The creditor, American Express, offered a repayment plan to me. I accepted their offer. 

The agreed payment plan requires me to make monthly payments in the amount of {$64.00}. American Express drafts my checking account electronically on the XXXX day of each month. We've been under this payment plan for a long time, and I've never failed to have sufficient funds in my checking account when American Express drafted my account for the {$64.00} monthly payments. In other words, I've never failed to pay the {$64.00} monthly payments when due and never have breached my payment plan with American Express. 

American Express recently reported to the credit bureaus that its has charged off my account after I've been performing as agreed and without any breach or default of any kind under the agreed payment plan. 

This charge-off has caused my credit scores to decline. Why has American Express charged off my account now when I have not breached or defaulted on the agreed payment plan and have months and months of perfect payment history under the plan? 

This strongly appears to me to be abusive and detrimental to me.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (FL)

XX/XX/2021 and XX/XX/2021, Sallie Mae said I missed XXXX payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed XXXX of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.
Consumer complaint received 2022-09-13
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. (CA)

I worked hard to finally get myself out of credit card debt, especially with the 25 % interest they put on my account. I called and got my payoff amount and finally got my account to {$0.00}. Come to find out Chase wasn't don't yet and tacked on another {$240.00} interest charge, and then refused to waive it even though the card was at {$0.00} and there wasn't a purchase since XXXX.
Consumer complaint received 2020-08-22
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. (GA)

on 3 different occasion i have sent depute letters to experan, XXXX  and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (CA)

I am a victim of a predatory loan. I bought a used XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX. I was told that with interest my total out of pocket would be approximately {$6300.00}. I signed the paperwork with Lendmark Financial as my loan provider. My monthly payments are {$230.00} which I have paid faithfully. Due to the pandemic, I was laid off from my job as a XXXX XXXX XXXX with XXXX XXXX XXXX. I called Lendmark to request a temporary moratorium while I wait for unemployment thinking I had very little left to pay on my debt. This was when I was informed that of the $ XXXX monthly payment ; that only {$63.00} a month was being applied to the principal. I was never informed during the initial sale that more than 50 % of my payment would be applied to interest. I am a XXXX year old man currently on a fixed income and this loan is creating an unnecessary hardship. I was duped by Lendmark Financial.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Discover card reported my credit card account delinquent to the credit reporting agencies in XXXX of 2019. I have had this credit card account open for 10 years and Discover always deducts the monthly payment from my account every month. But last year I noticed a late fee and contacted them about why the payment wasnt deducted from my bank account and why I was assessed a late fee. The operator assured me the problem would be corrected and the monthly payment would be deducted from my bank account. Another 30 days had passed by and I saw that Discover still did not deduct the monthly payment from my account and contacted the credit reporting agencies that my credit card account was delinquent. I dont know why Discover did not deduct the payment from my bank account after they reassured me that they would and why the credit reporting agencies were contacted.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (GA)

I had a emergency room bill from XXXX XXXX XXXX in XXXX XXXX GA for a visit to the emergency room XXXX XXXX   weekend 2014. The bill was paid in full in the fall of 2014. I have not received any notifications of any unpaid bills from the hospital.Now 6 years later I have {$350.00} bill that is with Nation Wide Recovery group. This is a scam. I want it investigated!!!
Consumer complaint received 2020-08-22
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. (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX  ) this action might constitute fraud under both federal and state laws.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF HAWAII CORPORATION (OR)

XX/XX/2020 XXXX called my XXXX year old grandmother who is in an XXXX XXXX XXXX, asked her for my contact information despite already having it on file and calling me repeatedly on such number. Told her they were trying to recover a debt from me. 

Called my previous employer after I had already informed them I no longer worked there. They did this in an attempt to embarrass me.
Consumer complaint received 2022-09-13
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. (PA)

Currently, Experian, XXXX and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, XXXX or Experian. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, XXXX and Experian to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent XXXX additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent XXXX letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (NE)

I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( Experian and XXXX  ) will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA 605 blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-20
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. (VA)

I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (CA)

I received a recent copy of my credit report in XXXX of 2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Consumer complaint received 2020-07-20
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. (CA)

I received a recent copy of my credit report in XX/XX/2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX  THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK
Consumer complaint received 2016-03-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX, Midland Funding and XXXX Funding refuse to provide me with 30 day Payoff Letters so that my mortgage company can pay them what I owe them. 

Please advise.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NM)

Hello, When I created my account to apply for unemployment, I was automatically given a XXXX XXXX account and issued a card. I switched it immediately to the bank account I currently have. 

When I called the unemployment line, it asked for my social security number, I entered it, and was immediately routed to my account balance. 

I have been denied unemployment, so I do not have an account balance, and I was not told I would be given the account balance, or charged a fee for being given the account balance information. I received a bill in the mail, for inquiring about my account fee, for the XXXX XXXX card, even even though I was denied unemployment, and have never activated the card or account. My unemployment was set up for my current checking account. 

The company that issued the card has an automated phone line, and I am unable to get through to anyone. I do not know what to do or who to contact, but this seems very illegal. 
I also do not want to be delinquent on a bill for an account that I don't have, and XXXX XXXX can't find any information on the account, when I call them. 

I would like to report this as a fraudulent activity, and I would also like to know who to contact to get the fee waived. It is small, but as I don't have any unemployment, I can't really spare {$0.00} I also don't even know how I would pay the fee, since I am unable to get a hold of anyone. I also don't want to be charged late fees, for an account I don't even have. 


The company is EPPICard, their phone number is XXXX Their Address is XXXX XXXX XXXX XXXX, TX XXXX The bill states that the fee was incurred during XXXX, and posted on XX/XX/2020. 

Again, I never inquired about a balance, and should not have had a card. I called the New Mexico unemployment line, which immediately asks for your social security number, after confirming the call is in reference to unemployment. 

The phone number for New Mexico unemployment is XXXX have not been able to contact unemployment to discuss this, and I am afraid to call their number, because I do not want to be billed for calling again.