vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased a XXXX  equipment in XXXX  which included a 90 day promotional period trial. This was offered by XXXX with no obligation to purchase if the XXXX was returned within the 90 days. The finance was through Affirm. The XXXX was uninstalled by XXXX XXXX within the 90 days. Because I no longer felt the XXXXXXXX XXXX XXXX  was effective.The contract I signed with Affirm states when the XXXX  was removed before the 90 days no charges would be applied. XXXX XXXX was supposed to inform Affirm to void my contract agreement. The Driver / Technician that uninstalled the XXXX was from a company called XXXX XXXX. I also have a picture of the Drivers ' vehicle whom de installed the XXXX, because the XXXX did not say XXXX XXXX. However I do have a text from the driver stating he was from XXXX. I am not sure why XXXX XXXX never informed Affirm the XXXX was returned. I have a confirmation email from XXXX XXXX that the XXXX was uninstalled by their Technician and returned. After years I discovered Affirm put a charge on my credit report despite me not having the XXXX. I was never supposed to be charged. This is a violation of the contract agreement. 
Therefore, I am requesting the fraudulent charge to be removed from my credit report. 
The original agreement was {$4900.00} if not returned within 90 days However the charge now states {$5300.00}, regardless I never had the XXXX beyond 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive submitted this complaint several times CFPB & XXXX, EQUIFAX and XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX, EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems XXXX, EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts/inquiries removed/blocked per 605b with the attached documents again. Thank you ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX Bankruptcy Reference # : XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
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.
State: IL

Complaint narrative:
I sent a letter informing the company of my dispute. I sent a notice/affidavit about deceptive and misleading business tactics regarding our contract sent XX/XX/XXXX, as well as invoked my right of rescission. Please see the attached file/document copy. I requested answers ( point for point ) in regards to the matters brought to their attention regarding our contract along with proof as far as the original note, if they are holder in due course UCC 3-302 provide proof and the Financing statement per the UCC rules ( certified only ).

I am only really seeking a FAIR RESOLUTION to this issue CARMAX AUTO. I am giving you a chance, in good faith, to consider this whole contract a mistake ( or whatever you wish ) because I asked in my letter, in good faith as well now that I am fully aware of how our contract has been breached ( explained in letter ). I only seek what is FAIR and deserving for the hardship and pain Ive been caused. Please be AWARE I read and comprehended the CarMax AutoXXXX, XXXX, and prospectus filings with the SEC in its ENTIRETY and XXXX part it states CarMax XXXX XXXX, XXXX, a Delaware limited liability company, will sell to CarMax Auto XXXX XXXX pursuant to the receivables purchase agreement a pool of receivables consisting of motor vehicle retail installment sale contracts originated by certain affiliates of CarMax XXXX XXXX XXXX XXXX under its primary underwriting program. CarMax XXXX XXXX XXXX will sell the receivables to the trust pursuant to the sale and servicing agreement in exchange for the notes and the certificates. CarMax Auto XXXX XXXX will use the net proceeds from the sale of the notes to pay CarMax XXXX XXXX, XXXX for the receivables. The trust will rely upon collections on or in respect of the receivables and the funds on deposit in certain accounts to make payments on the notes. The trust will be solely liable for the payment of the notes. The notes will be obligations of the trust secured solely by the assets of the trust. The notes will not represent interests in or obligations of CarMax , Inc., CarMax XXXX XXXX, XXXX, CarMax Auto XXXX XXXX or any other person or entity other than the trust. Neither the notes nor the receivables are insured or guaranteed by any governmental entity or any other person or entity. 
Now, I know Im not crazy or some genius! but your own prospectus even contradicts whats said in the application and was not at all discussed when I sat down with your employee XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Dunning Law Firm APC
State: CA

Complaint narrative:
I originally opened a credit card account with XXXX XXXX XXXX XXXX XXXX more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to The Dunning Law Firm APC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from XXXX XXXX XXXX XXXX XXXX, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
Arbitrarily and capriciously, and with no legal permissible reason for any denial - especially since the Discover supervisor said not even a soft credit pull is even done- just that my payment history is reviewed - I was inexplicably denied for a credit line increase. Thus, the only reason Discover denied my credit line increase for a I am just of the wrong race- since I have never been late or had any interest charges with Discover credit card. Discovers arbitrary and capricious business practices and refusing to give any reason for denial makes me feel sub human. I am very close to ending my relationship with Discover credit card because of unethical business practices by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/year>XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: CO

Complaint narrative:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX XXXX 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The creditors is reporting inaccurate information in STATE EMPLOYEES CREDIT UNION Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. STATECU XXXXXXXX and STATECU  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have a {$500.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is the XXXX complaint I am filing against BMO. BMO continues to lie with misleading information. 
All information that has been given to me leads to nowhere. I have called the numbers provided and Nobody at BMO has any idea how to make this right or can even find me in their system. I went to a BMO bank to make a payment like you told me and was unsuccessful. I have a letter stating that I can not make a payment at a bank and need to send a check by mail. I have exhausted my options and my time. This is not my fault its 100 % BMO fault. BMO fails to give me any information on my lease. Money been paid is not associated to anything related to me in any way and BMO can not give me a financial statement showing the money that I have paid is associated to me. BMO can not tell me where the money that has been paid is going. 
I have continued now for over 5 weeks to make this right in every possible way and am still unsuccessful. This is not okay and an apology for my inconvenience caused by your bank is unacceptable. BMO continues to give me the run around yet not one person has done anything to resolve this issue. BMO is robbing me of my time and Im sure many other peoples as well BMO needs to be held accountable in every way! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXXXXXX XXXX XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let XXXX XXXX XXXX  know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. XXXX Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. XXXX Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXX XXXX  XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let USA auto sales know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. USASF Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. USASF Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Company is not authorized to conduct business in my resident state of Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Company is not authorized to conduct business in my resident state of Illinois

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation