Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Changes in terms mid-deal or after closing

I started a purchase with Carvana in XXXX XXXX XXXX, after I received my pre-approval information that month, I setup for my XXXX XXXXXXXX XXXX to be delivered to me, this was submitted on XX/XX/XXXX, I signed documents for the vehicle prior to the vehicle being delivered. The vehicle was delivered to me on XX/XX/XXXX, with the idea that if I did not like the vehicle for any reason I could swap it- no problem nice and easy. The next day I decided I would like to swap the vehicle for a different one. The vehicle was supposed to be delivered XX/XX/XXXX, after going all day and not hearing anything from them I checked the delivery- it had been cancelled, with no call or explanation. I called Carvana and spoke with them, they told me they weren't sure why this happened but it was unacceptable and they would be looking into it and calling me back. After a week of them not calling me back, I called them, as nothing was appearing on my Carvana dashboard. Carvana told me then I could still swap the vehicle, when I tried to they did not hold my financing terms, even though it was their mess up. Since this was the case I moved on and decided to keep the XXXX XXXX. There were still issues when my mechanic tried to call to put in their claim for repairing the rear brakes on the vehicle, Carvana told them the vehicle had been returned and wasn't owned by anyone. Once my mechanic told me this, I called Carvana. Carvana told me that my contracts had been cancelled out on the XXXX when the swap was cancelled, and that they had to rebuild my contracts- which would take 2-3 weeks. I was told I would hear from a case manager within a couple of days, I didn't get a call back from the case manager for weeks, around the third week of XXXX the case manager called me and left a voicemail. I called Carvana again to check on my contracts, and spoke with someone else in the department who was in leadership, he told me that they would get it fixed right away, and work on the contracts. Now today, XX/XX/XXXX, I have received an email stating that if it has been more than 45 days from my date of purchase that they will run my credit again and change my terms based on this. Which is absurd considering this entire situation. Mind you they also went ahead and ran my credit anyways, prior to that email, and without my authorization, which I received two emails earlier today that alerted me of that. In the entire time I had phone calls with them, no one said that my credit would be ran or my terms would be changed, because that makes no sense to do to someone. Now at this point my terms will change, and will reflect the multiple credit inquiries that I've had from Carvana and other things I have done. This should be an illegal practice, not only did I get told everything would be easy, but after they messed it up they have made no efforts to make it right and now my credit worthiness is going to take a massive hit and my terms are going to be outrageous.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act 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: Company closed your account

On XX/XX/XXXX my debit card was declined when trying to pay at a coffee shop, upon accessing my bank account online I saw that my account was blocked. I later called citibank and they said they are closing my accounts and no longer wish to do business with me and that i will receive my money back within 60 business days in the form of a check and they refused to provide any further details on the matter.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Complaint sub-issue: Old information reappears or never goes away

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY EQUIFAX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX XXXX XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER EQUIFAX " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX  IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Complaint sub-issue: Sued w/o proper notification of suit

Hello, On XXXX/XXXX/17, I was informed by my bank a LEGAL ORDER HOLD was put on ALL my bank accounts and I would not be able to access ANY of my accounts, I have XXXX. I contacted the phone number my bank provided, it was Premier Credit XXXX, their phone number is XXXX, they identified as Collection Agency for State of Indiana, I am familiar with Collection Agencies and procedures, I asked them about the FDCPA and they stated does not apply to them and that if I wanted to get clear, I would cooperate with them, They stated I would not be able to access any of my bank accounts at all until {$970.00} was paid to them directly. I advised amount is not correct and not owed for that and they stated not their issue or problem, they stated if an individual was listed on their list from state, Bank accounts would be froze until they were paid, no verification of balance, nothing sent to me, just pay them, or bank accounts froze for up to 60 days or longer. I was able to speak with XXXX ( I think was her name ) and the only reason I was able to speak with her is due to my collection agency knowledge, otherwise individuals would have had no idea what was going on or how even to deal with this, so others will be completely unable to help themselves. The Collection Agency faxed over a form after I had to tell them to take all the money they had listed for the Legal Order Hold to XXXX XXXX XXXX XXXX her phone number is XXXX, I spoke with her and she stated she just had received a Fax from them within 5 Minutes of me speaking to the Collection Agency and normally would be up to 60 Days before they received that and no one is able to access their bank accounts. She stated she cleared my Accounts so I could access my remaining funds after the {$970.00} was deducted from my Bank and sent to this Collection Agency, of which I have no idea still as to correct balance due to all the previous payments that had been made to the state, no paperwork, nothing, just a freeze on my Bank Accounts and almost a {$1000.00} check sent by my bank to just to some phone number I received and had to call. This was completely handled in an absolutely horrible way by this Collection Agency and I am quite certain the State of Indiana will be receiving an incredible amount of individuals contacting them on how this is being handled by this Collection Agency. If you could please assist me in anyway with this issue I would greatly appreciate it and I 'm very sure that there will be Hundreds of more individuals that would need your help if you could please look into how this is being handled by this " Collection Agency '' that the State of Indiana has decided to use to collect back taxes owed this is something that will cause an extreme hardship for an incredible amount of individuals in the state of Indiana by having to deal with the way this is being handled and individuals that do have the collection knowledge that I do, will be incredibly distraught and it will cause an extreme hardship on them. 
Thank You.
Complaint sub-issue: Attempted to collect wrong amount

FMS called me many times to collect a debt. They claimed that they are a 3rd party source that could set up special payments for me to pay down my loans with myfedloan so I could finish school at University XXXX XXXX. When they called me, I had maxed out my loans so the only way to finish up my last XXXX classes was to get some of my loans paid down. XXXX XXXX called me from University XXXX XXXX today, XX/XX/XXXX to find out if everything is OK with me because they haven't received any money yet. I have made payments to FMS on XX/XX/XXXX for {$680.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$180.00} and XXXX  has not received any of it. I was just made aware today that I could pay XXXX  directly.
Complaint sub-issue: Information is missing that should be on the report

Equifax has SEVERAL of my long standing positive accounts not showing on my report, I tried to contact them and deal with it and they blame the lenders ( well I'm sorry but there is simply just TOO many of them to be the problem ) In any case I have contacted these lenders and they confirmed what I already knew, they ARE reporting to Equifax and ALL my info is 100 % and triple checked, Equifax just needs to report it as my Equifax score is lightyears lower then XXXX  and XXXX  because of this and I was RECENTLY turned down for a loan because of it, The lender ONLY used Equifax and sadly I looked like a pretty thin file which is incorrect
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Complaint sub-issue: Need information about my balance/terms

Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.
Complaint sub-issue: Charged too much interest

I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.
Complaint sub-issue: Information belongs to someone else

Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Complaint sub-issue: Personal information

Thet are reporting old address on my credit file that were never mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I was deceived into thinking that I owe on a debt that is not mine and after five attempts to tell the agent that I would like to dispute this they still would not dispute this debt for me and I believe I have the right to dispute directly with this debt collection agency and I was denied that right and for that I would like to be compensated for my time.
Complaint sub-issue: Account status incorrect

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX XXXX, Equifax and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Complaint sub-issue: Personal information incorrect

I submitted in writing a request for the immediate removal of incorrect spelling of names, addresses and phones numbers on my consumer report to all three agencies. I attached my drivers license for proof.
Complaint sub-issue: Problem lowering your monthly payments

On XX/XX/2020, a banker from Sallie Mae called a number that was not on the loan application asking if they knew information about the cosigner of the loan. The individual they called knew the cosigner but had no history with Sallie Mae. Salli Mae informed me that they were allowed to do that, but that is 3rd party violation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate things on my credit report. To this day over 60 days later, I have not received a response. I feel like my disputes are being ignored, my rights are being overlooked and my I am being taken advantage of. Section 611 ( a ), states a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been well over 60 days so these inaccurate, false items should be deleted promptly. Some of the accounts listed do not even have account numbers attached to them. I demand these accounts be deleted immediately or I will file for litigation due to the stress this misleading report have caused me. Upon discovery of the inaccurate reporting, I practiced my right and sent letters to which I have been ignored. Equifax has also used stall tactics, claiming " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' have since sent them a letter with my picture Id, social security card and proof of ID. They are in violation of many laws.