davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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: CarMax, Inc. (FL)

in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (DE)

This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me. 
I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted this companies that claimed I applied for credit with them which I havent. I havent even started my credit at all. I called so they could dispute or take that off my credit they were really rude about it and unprofessional. At this point I dont know what to do because I cant even take out no credit card due to having bad credit because of them. Capital one is one of them I have never gotten no credit card with them and they claim I owe them when I dont.
Consumer complaint received 2018-01-16
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. (TX)

The multiple choice selections did not allow me to provide the proper response. My issue is that a medical debt has existed for over a year, and I never was asked to pay. I did not receive a bill and was not aware of the debt. The debt originated in XX/XX/XXXX, and I was not made aware until I was denied credit on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX, then called the original creditor today XX/XX/XXXX. They were close on the weekend XXXX XX/XX/XXXX ), and on XXXX day XXXX XX/XX/XXXX XXXX. The problem is that TransUnion has told me that the item must remain on the report for 7 years because it was a valid, and unpaid debt. If I am not mistaken, the fair credit report requires the company to provide a bill. The item was only {$50.00} and would be paid immediately if I knew it existed. The debt was paid today after I called the company to verify the debt was valid.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (LA)

I have unauthorised inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), 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 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (SC)

Square Inc. has been holding 20 % of my small business income in a form of wallet they call " reserves '' for chargebacks. Never did I have a issue with this until a couple of months ago. At the current time they have over XXXX $ they refuse to release. Apparently this is common for them and in the meantime they are using my money to gain interest or fund other items for their business. Their hold was arbitrary and capricious ; that ample proof was given to validate transactions ; that after proof was provided the resolution time was unwarranted.
Consumer complaint received 2017-07-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.
Consumer complaint received 2017-10-16
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: Clarity Services (TX)

I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points Equifax : XXXX in XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 89 pt drop ) XXXX : XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 175 pt drop ) I contacted Equifax and XXXX to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from Equifax and XXXX yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. Equifax also has claimed I have put a freeze on my account in XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has  furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Consumer complaint received 2018-01-10
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: SYNCHRONY FINANCIAL (NC)

Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
Consumer complaint received 2022-01-06
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. (FL)

XX/XX/XXXX I was diagnosed with XXXX  for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX XXXX.
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNTRUST BANKS, INC. (DE)

XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX I have instructed Suntrust to stop calling me about my loan. Verbally 3 times they have been told to stop calling me at work. I also instructed them on how my loan is to be paid. It is paid in half every 2 weeks automatically.
<P/>
They continue to harass and need to stop.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Midland Funding of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Midland is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Midland has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I applied for a car loan. I was approved for the loan, but with an interest rate of 9.4 %. They said the reason for the high interest rate was because the credit reporting agency that they went through, which was Equifax, showed my credit score was only XXXX. I have an account with Equifax and when I check my score it says it is XXXX. I did not purchase the car.
Consumer complaint received 2017-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have looked at my credit score and transunion and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
Consumer complaint received 2018-03-27
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. (KY)

There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. Equifax would not give me an option to dispute the inquiries but I did lock my credit report. With XXXX XXXX also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Consumer complaint received 2017-12-29
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)

I have, on 4 separate occasions attempted to update my credit report through Experian. I am a victim and have several account VERY negatively effecting my credit. I have send in the identity theft report, proof of identity, proof the account are not mine, only to be told the information has been " updated ''. But all they did was make a comment stating " consumer disputes account ''.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I filed a dispute concerning inaccurate information on my consumer report on XX/XX/2024 and provided the following evidence that it was furnished incorrectly without a proper investigation. According to the FCRA, the agency which is XXXX was supposed to validate the debt and credibility with my peers, friends, family and most trusted individuals that would have knowledge of the account in question. They did not do a accurate investigation and did not validate the account with the investigating agents information or creditors information. 

Therefore, Under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exist.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

To Whom It May Concern, I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you investigate this matter and make the necessary corrections to my credit report. 
Account information : Creditor : SYNCB/CARECR ACCOUNT # : XXXX Creditor : XXXX XXXX  # : XXXX Creditor : XXXX XXXX  # : XXXX Creditor : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX Creditor : XXXX ACCT # : XXXX Creditor : XXXX XXXX XXXX # : XXXX I have thoroughly reviewed my credit card statements and records, and I can affirm that all payments were made on time within the designated grace period as stipulated by my credit card agreement. Therefore, I believe that the reported late payments are inaccurate and should be rectified in accordance with the law.

As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into the late payment entries on my credit report. During this investigation, I urge you to consider the provisions outlined in 15 USC 1666b ( a ), which clearly state that late payments should not be applied to credit card accounts under open-end consumer credit plans.

Please be aware that the inaccurate reporting of late payments on my credit report has had a detrimental impact on my credit worthiness and financial standing. I trust that you will handle this matter with urgency and attention to detail that it deserves.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP