Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with additional products or services purchased with the loan

Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). 

I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX  with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX   Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX  credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX  once, and removed from XXXX   voluntarily. 

I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.
Complaint sub-issue: Debt is not yours

I being the consumer, natural person and original creditor have sent a debt validation letter to Discover Financial Services pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested Discover Financial Services to provide copies of their 1096 tax form, their 1099-OID, their INC and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692, TCPA and Identity Theft. Please review attachments.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the card.
Complaint sub-issue: Debt was result of identity theft

YOU BROKE THE LAW You are in violation of the following subsection of the FCRA 15 USC 1681. Before I proceed, I would like to be clear to your company and those in position of authority at your company that congress makes it clear that the banking system is dependent upon my consumer report being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given that role. You assumed this vital role, and because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish and depression. I have been unable to get a job because you assumed this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) you were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction ( s ) even took place. You were also impartial because you allowed information to be reported without ANY evidence or consent, while only hearing one side of the story. You also infringed upon my right to privacy. 

NOTICE of Identity Theft and Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. THE BUREAUS. Account XXXX XXXX XXXX. XXXX XXXX. Account XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft. I was not aware of and I did NOT give my consent or authorization to report to ANY third party. 

Reported Items that need to be deleted : XX/XX/XXXXI did NOT give my consent for ANY of the above listed companies to report ANY of my personal and private information with the credit reporting agencies. This needs to be deleted immediately.
Complaint sub-issue: Problem with personal statement of dispute

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all XXXX agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I booked a place with XXXX XXXX  from XXXX XXXX, 2020 with confirmation code of XXXX ( address of the house : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Before heading out to the rented house, I contacted the host to make sure that she had A/C as government just issued an Excessive Heat Warning. XXXX, the host, said that they did not have a/c. I asked if we can come another week, any other time and she said no, citing her cancellation policy. She suggested that I cancel the trip by myself, and if somebody re-books it for the days I made a reservation for, she will reimburse me. I cancelled the reservation per her suggestion. 

Another family booked the place for 3 nights, and when I asked XXXX to reimburse me the full amount booked for 3 nights by another family, she said she is withdrawing her offer and NO REIMBURSEMENT WILL BE MADE. 

It is unethical to be charging 2 families for the same time period and making money off of both families while host 's house does NOT meet physical needs of the guests during a EXCESSIVE HEAT WAVE WARNING. 

If I pay XXXX $ dollars - I expect livable, comfortable accommodations, not a heat XXXX with no a/c for 7 days, and I was deeply disappointed that XXXX XXXX sided with this unethical host. 
Please, review this. 
Thank you
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX account was settled a couple of months ago. XXXX, XXXX and Equifax are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Complaint sub-issue: Information belongs to someone else

I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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
Complaint sub-issue: Trouble with how payments are being handled

I am currently approximately 96 qualifying payments into PSLF and on an income-based repayment plan. I read on the federal student aid website that I could recertify my income without recalculating my monthly payment. I selected that option and sent a recertification application ; however, I noticed that my payment was recalculated and increased significantly. Additionally, MOHELA says that I will begin paying the much larger amount after XX/XX/XXXX, even though the federal student loan website clearly stated that recalculated income-based repayment would not go into effect until one year from the recertification date ( if before XX/XX/XXXX ). 

Additionally, I made a payment in XXXX, during the payment pause. 

I have tried to contact MOHELA about this, but on the rare event that I make it through the 3+ hour wait, they say they don't have information from XXXX more than a month after the loan was transferred. 

I need to have these issues clarified before payments resume in XXXX or it could cost me thousands.
Complaint sub-issue: Debt was result of identity theft

My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}. 
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reason Ownership : This account was opened fraudulently. 
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX. 

XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.
Complaint sub-issue: Problem while selling or giving up the vehicle

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. 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.
Complaint sub-issue: Account opened as a result of fraud

XXXX  XXXX XXXX, CitiBank and XXXX opened accounts in my name without my permission for someone other than myself and are charging me and now I can not open a new account for myself because of this. I have reached out to all of these banks and they refuse to remove it from my consumer report file. I have forwarded them copies of police reports FTC reports and all other requested documents and yet they still refuse
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX  XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$7900.00}
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was surprised when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Due to recklessly poor security on behalf of Discover Bank, an individual was able to steal my mail- and shockingly without any protection or additional verification required by Discover during an activation process- was able to go on a spending spree at a mall that maxed out my card. Discover then falsely reported that I had maxed out my credit card to the credit bureaus. Discover refuses to timely remove the false credit report and the fraudulent billing in my account that was caused because of the gross reckless incompetence of their process that allows some random person to activate a stolen credit card without any checks.
Complaint sub-issue: Investigation took more than 30 days

Credit bureau is in violation of FCRA act by taking longer than the allowed time to correct my credit report.
Complaint sub-issue: Trouble with how payments are being handled

On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies checked my credit WITHOUT MY AUTHORIZATION XXXX  XXXX  XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
I have an FTC report on my credit files and it clearly says that they should call me to make sure I am the person applying. I have NEVER applied with any of these companies. I demand that EQUIFAX DO ITS JOB BECAUSE THEY NEVER DO INVESTIGATION. THEY ONLY WRITE YOU PURE LIES. AND THEY DISCLAIM RESPONSIBILITY. 

EQUIFAX PLEASE PLEASE DO YOUR JOB AND INVESTIGATE DEEPER. IT IS NOT FAIR THAT THEY FILL MY CREDIT WITH INQUIRIES THAT I HAVE NEVER APPLIED. OTHERWISE, I REQUIRE YOU TO PROVE ME WITH DOCUMENTS SIGNED BY ME THAT I MADE THOSE APPLICATIONS
Complaint sub-issue: Account information incorrect

Hello, I sent letters to the three national reporting agencies, XXXX, Equifax, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. Equifax and XXXX totally ignored the letters and I received zero feedback.