davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (OR)

I paid off my car loan early with a cashier 's check from XXXX that was deposited by CarMax to their XXXX XXXX account. CarMax is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided XXXX with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.
Consumer complaint received 2016-12-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (GA)

I purchased a money order on XX/XX/2016 ( to cover my rent ) at XXXX from XXXX, GA XXXX. I mailed it out on XX/XX/2016. It is XX/XX/2016 and my rental company still has n't received the money orders. Last week I contacted my rental company to ensure they had n't miss-placed them and also to advise them of whats going on. After carefully researching they have n't received them either. Monday morning I contact western union to track the money orders. After speaking with an agent he advised they have n't been cashed. He advised to wait a few more days because it can take 10-15 days in the mail ( Which I 've never known a money order to take that long ). He then proceeds to let me know after that I could file a claim and pay XXXX ( non-refundable ) to have them place a stop payment and it would take an additional 6-8 weeks before they could process it and send my money back to me. At this point I think that is ridiculous giving this is my rent money and I do n't have money just laying around to pay an additional XXXX to my rental company. I asked if he could send me an email detailing what we spoke about so I could forward it to my rental company and he told me no. I asked to speak with a manager. He proceeds to place me on hold for an hour and never came back. I called back and had to explain myself to yet another person who placed me on hold again for 30 minutes. At this point I am very frustrated. I called the next day and spoke with another young lady having to yet again explain the situation and I let her know I just would like to speak with a manager and for her not to place me on hold. She proceeds to get a manager. The manager gets on the line and I explain the situation yet again. She informs me there is a form she would have to send me via email and she could also send the email to me to send to my rental property. I thank her and wait 3hrs for this email that never arrived. I call back again only to explain the situation to another agent. The agent says oh she forgot to tell you it will take her 24/48 hrs to send you the emails. This timeframe is running into the holiday season which means I would n't technically receive the email until monday XX/XX/2016. I feel as if this is ridiculous and this is my rent money and I could be evicted and have a small son. Customers should not be treated in this manner. I do know that companies have policies and procedures but I also know they can bend for certain circumstances because the manager said they could. Whatever can be done needs to be done as soon as possible. My living situation is in jeopardy and I feel like the agents at western union could care less.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (KY)

NOTICE : XXXX and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

XXXX XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I disputed a negative account on my XXXX XXXX credit report XXXX XXXX XXXX  and have made multiple attempts to both credit karma and XXXX XXXX directly over the past year to no avail. According to credit karma this dispute is till in progress\under investigation with an estimated completion date of XXXX XXXX XXXX  yet that date has long ago come and past with no updates. The dispute file number for this is XXXX and the remedy for this complaint is the immediate deletion of this account and all associated information related to it removed from my credit reports. The account holder is XXXX XXXX XXXX and is still reporting with a year long dispute in progress.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Upon seeing negative info on my Experian credit report by XXXX XXXX XXXX in XX/XX/2023, I wrote to XXXX requesting validation of the {$530.00} they erroneously claim I owe. Because XXXX did not respond within the lawful time allowed and with no subsequent positive change with the matter, I reached out to Experian explaining that XXXX failed to validate or remove the negative info from my credit report. Since bringing these facts to Experian 's attention, the same negative info remains on my Experian credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( Experian, XXXX, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same information.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-12
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: ENCORE CAPITAL GROUP INC. (TX)

Upon reviewing my credit file, I have discovered inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-03
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: LendUp Loans LLC (CA)

Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.
Consumer complaint received 2024-01-12
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. (TX)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-05-22
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. (CA)

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Round Pointe Mortgage sold our Mortgage to XXXX Mortgage, and did not notify us. All payments submitted to Round Point have not been transferred to XXXX Mortgage, nor have they been returned to us. This is the 3rd time the mortgage has passed different hands within the last 12 months. The 2nd XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to Round Point, for the months of : XXXX ( Forwarded to XXXX ) XXXX ( Forwarded to XXXX ) XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XXXX ( Rejected by Round Point ) XXXX, the first lender, had sent us notification that our mortgage would be changing hands to Round Point, to the correct mailing address. However, later no correspondence was received from Round Point or XXXX Mortgage. 

We found out of this change, after our payment was rejected by Round Point, and I viewed my credit report to find XXXX Mortgage. Round Point is now claiming they do not have our payment for the month of XXXX, however, we have bank transaction records stating the XXXX payment was accepted by Round Point, and never returned back to us.