davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 
15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (GA)

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX  Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NJ)

Received a letter in the mail ( with my first name spelled wrong ) for a debt of {$4600.00} from Credit Management, L.P. on behalf of XXXX XXXX, XXXX. on XX/XX/XXXX. I have resided outside of the state of Texas since XXXX. I have never gone for any diagnostic testing at XXXX XXXX, nor have I had any outstanding medical debt. We have had medical insurance that has covered the majority of our expenses, and any co-pays/deductibles have been paid in full at the time of being billed. This is a false collection as this is not my debt.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I opened a Lowe 's credit card in XX/XX/XXXX. I maintained the credit card with a low balance and made regular, on-time payments. On XX/XX/XXXX I was in the retail store attempting to make a purchase and the card was declined. I knew I did not have a maxed out balance, so I contacted customer service and was told that my account was closed on XX/XX/XXXX. I asked to speak to a supervisor because there was no reason for my account to be closed. I still carried a low balance and I was paying on-time, more than the minimum amount due, so the account showed current activity. Additionally, this significant change was made with out any prior notice to me as a consumer. I am rejecting the closure of this account and I am filing a complaint against Lowe 's for unfair business practices. They do not follow consumer protection guidelines as laid out by the CFPB. Closing my account this way has damaged my credit score, and doing so at a time when consumers are still suffering from the effects of COVID 19 shut-downs, job loss and other economic hardships shows that Lowe 's engages in unethical business practices.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-10-28
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
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. (AZ)

To Whom It May Concern, YOU BROKE THE LAW AND VIOLATED MY RIGHTS!

Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After viewing my consumer report, I have come to the realization that my report was inaccurate, and this inaccurate report us unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companys procedures, and because of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companies database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company has assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this information was valid which is also a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) Your company did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction ever took place. As a result of this my privacy was breached and this violated my right to privacy. ( See Exhibit A ) Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether it factually took place can be categorized as a transaction that took place between the consumer making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681a ( B ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ) ( definition attached and highlighted in Exhibit B )
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NY)

XXXX accordance with the Fair Credit Reporting act DIVISION OF CHILD SUPPORT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, Equifax has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KS)

I noticed 2-3 months that someone hacked into my XXXX  account XXXX My XXXX account is linked to my XXXX XXXX and my other XXXX cards are linked to my XXXX app wallet. I advised XXXX AND CHASE that SEVERAL transactions were not mine. They proceeded to tell me that all of them were on my XXXX XXXX ( they weren't and I offered to provide proof but they refused to see it ) and at my local store, so they determined i did the transactions. 

Also in XXXXXXXX XXXX I did attempt two transactions and I was told the transactions were declined. I need one item from order and I paid cash. I was told my receipt would be on my app. The next day I saw the two " attempted transactions '' were pending on my debit card. The store had no proof that I had paid cash. My kids saw all of this occur. I will put them on a stand in a court of law if I need to. 

At this point in time I feel like XXXX  and CHASE is refusing to take proof AND is causing severe emotional trauma.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (ME)

I was looking for a place to live in XXXX, MA for a month and found a place to sublet on XXXX. They had me fill out a rental application, which was accepted, then a lease. I had to transfer money ( {$2500.00} ) to their account then my reservation was confirmed. The subleaser 's name was XXXX XXXX ( XXXX ) and his landlord XXXX XXXX. When I arrived at the apartment the place did exist ( XXXX XXXX XXXX, XXXX, MA XXXX ), but a different person lived there/owned the apartment and it was not being rented. It was all a scam.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (VA)

In accordance to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (HI)

Since XX/XX/2022 Ive been disputing with Equifax, XXXX and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (UT)

I have already submitted a complaint, it looks like this is the only way the company will answer my issues. They did indeed unlock my acct, but i can not do anything on the acct. I can not pay, i can not add another payment method. For all of XXXX i could not get into my acct until mid XXXX when Grain responded to my complaint, but never to my emails to the company. But even than the app gave me no help saying it was not able to verify me, but because of my complain i was granted access, but with still not being able to do anything on app. I have now been reported delinquent because i couldn't get into my acct to make my payment. I've had this acct a long time to not wan na pay now, if there would have been no issues with my acct i can promise you it would be current as i have never missed a payment before. I have not received a statement since XX/XX/XXXX, i do not own checks and use a different time zone bank and with my hrs it is difficult to obtain checks. I have mailed a money order to cover my past due amt. Below i will attach all the times i tried to get a hold of grain. I am not against making my payment, but once again if the app was more user friendly it would have been paid when it was due. But the company is very behind on email requests and only answers through complains. In the screenshots below u will see my attempts to contact company in XXXX when issue first happened. Than because of answer after I few emails i submitted complaint. Than after being told it was fixed per their response to my first complaint, it still was not and i emailed them again. I was counting on issue being fixed per their email response saying they would reach back out to me and never did. In prior occasions i was able through pay with their pymt link, but that has also not been available. No where on there help page is it stated what other way payments could be made besides app. No of my emails to grain were ever responded to. I was told id be responded to, but never was.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berndt & Associates, P.C. (MI)

XXXX XXXX XXXX. garnishment on my state taxes for a credit card debt from XX/XX/2007. The garnishment still is active, they sued me in a different county from where I live and served papers after the court date. I figure whatever let them garnish the {$100.00} a year for the next ten years, but now. 
I get a letter from Berndt & Associates P.C. stating I owe {$3000.00} for the same XXXX  XXXX credit card! The original credit limit was {$500.00}. We stopped paying in XX/XX/2007 when my husband and I lost both our incomes. 
So this 11 almost 12 year old debt is still being persued? This seems very WRONG!
Consumer complaint received 2022-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

Dear CFPB, I'm writing to flag a troubling issue with an account I have at Goldman Sachs Marcus. On XX/XX/22, I made what I thought was a XXXX transfer to another money market account at XXXXXXXX XXXX I received an email confirmation at XXXX XXXX  that morning from Marcus that the transfer had been completed. Later that evening I received an email and phone call from Marcus instructing me to call them about my account. I did just that, and had a couple of puzzling conversations with their agents. From what little I could gather, my account had evidently been locked over some unspecified security concern. After visiting with their agents, I was assured that my account was unlocked and the transfer would go forward. I received another email confirmation at XXXX on XX/XX/22 that the transfer had indeed been completed. On the morning of XX/XX/22 I was horrified to discover that the transfer had not been made, and had indeed been reversed, creating untold nightmares. Panicked, I initiated a chat with yet another Goldman Sachs agent, who told me there was no transfer in progress. Long story short, despite one oral and two written confirmations of the transfer, it had never been made and Marcus had retained the funds. The chat agent yet again assured me in writing that my account is not locked, so I'm attempting yet again the transfer to XXXX. While I am 110 % in support of stringent security safeguards, these eyebrow-raising actions by GS Marcus might lead one to suspect they are using the fig leaf of 'security ' concerns as a pretextto slow-walk, delay, or in my case completely stop transfers to their competitors. Let the record reflect that I have always loved my Marcus account, and was one of their first customers. Not only that, I am a Goldman Sachs stockholder! My past good experience with Marcus and XXXX makes this misbehavior on their part all the more shocking. I ask CFPB to investigate the actions of Goldman Sachs Marcus and take appropriate steps to facilitate this transfer and prevent further harm to me.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TN)

My leased Kia was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to Kia Finance on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to Kia Finance. 
On XX/XX/XXXX Kia Finance deposited the full Total Loss Buyout in the amount of {$22000.00}.

Kia Finance has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

Kia Finance has been paid in full and the current amount due is {$0.00}.

I have tried disputing this on my own but Kia refuses to verify with the credit reporting agencies that the account has been satisfied.