davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (TX)

On XXXX XXXX, 2022, I entered a consumer credit transaction with CARVANA LLC. During my consumer credit transaction, I did not receive all the proper disclosures, one specifically the right to rescind. Due to not being given proper disclosures on how to exercise my right to rescind, CARVANA LLC is in violation of Truth In Lending Act 15 USC 1635. The creditor, CARVANA LLC, was supposed to clearly and conspicuously disclose as well as provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise the right to rescind. This law states that I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. 

15 USC 1635 states ; ( b ) Return of money or property following rescission when an obligor exercises his right to rescind under section ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a recission. It also states that the obligor may retain possession of any property delivered by the creditor if the return of the property would be impracticable or inequitable. The property is equitable to me because it is my daily mode of transportation for myself and my family.

Within 20 days after receipt of a notice of recission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or~ appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it [ ].

The transaction was done unfairly because I did not receive proper disclosures, I put a cash down payment in a consumer credit transaction which is in violation of 15 USC 1605, and my finance charge was not the sum of all charges. 15 USC 1640 states that since my finance charge was not the sum of all charges, CARVANA LLC is in violation, and I am due double the amount of that finance charge.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I see that XXXX charged off an account. They should n't have done that. I purchased a cell phone and service that did n't work. They made me wait and try different methods, try calling out and in but the calls would n't go through or would drop. Then, they agreed to take the phone back and cancel the service no charge. But, later I get a bill for $ XXXX.I disputed it. They claimed it was for one month service, that I made calls. ALL of the calls either did n't go through or dropped in a matter of seconds. They insisted and I disputed the charge. Finally, after going back and forth for months, I gave up and gave in. I paid the XXXX {$87.00}. Now, I find that their horrible business tactics affected my credit score. I want this charge-off deleted, please. It 's not correct. I should n't have had to pay them in the first place.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (FL)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, Equifax and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, Equifax and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (DC)

An ID theft affidavit was sent to Experian containing accounts that were open due to fraud, forgery and theft. The Affidavit contained police report number XXXX, FTC complaint # XXXX and a U.S. Postal Inspection service complaint # XXXX. Experian continues to report the following accounts ; XXXX XXXX XXXX XXXX partial account number XXXX is not my account. 
XXXX XXXX XXXX partial account number XXXX is not my account. 

Experian failed to properly investigate this matter, in addition to disregarding my rights as a victim of identity theft.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

There is an ongoing dispute between myself and Wells Fargo & Company regarding the following:

1.) The failure of Wells Fargo & Company to provide identity theft protection services as advertised in their account contracts; and,
2.) Wells Fargo & Company's violation of consumer protection laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as their state equivalents.

I am writing to request Wells Fargo & Company provide me with papers, documentation, and instructions on how to resolve this dispute via arbitration. It is my understand that Wells Fargo & Company forbids the use of public and fair jury trials or public courts to resolve these issues and I would like clarification.

Sincerely Yours,
XXXX
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commercial Acceptance Company (PA)

Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX continues to report judgements from XX/XX/XXXX and XX/XX/XXXX to all credit bureaus which violates the Fair Credit Reporting Act Sec. 1681c. ( 2 ) which states, " Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. " This is illegal and I 'd like them to remove the XXXX judgements from my credit report. See attached documentation.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I looked at my account on Saturday XX/XX/XXXX and there were 2 Pending transactions for XXXX. These were not my transactions as I never use XXXX and therefore unauthorized transactions. I immediately called CHIME. I requested a cancel of my old card and a issuance of a new card to prevent any additional unauthorized transactions. The representative on the phone said he would cancel the transactions that were literally only hours old and that the money should go back into my account he said to check later. 
The transactions were for XXXX XXXX @ XXXX AM XX/XX/21 and XXXX XXXX  @ XXXX AM. I called them around XXXX to report these. The representative said the transactions should fall off in a day or two and to call back if there are issues. Two days later both transactions had posted and money taken out of my account. I called CHIME again to advise them what happened and what is going on, I was told I had to file a dispute. I filed the dispute and a week or two later received an explanation why they WERE NOT GOING TO REFUND MY MONEY. No where in the explanation was there any credence to WHY they were not going to refund my money. They simply denied my case because i had a low balance and a bunch of statements that does not prove anything ... which I always have a somewhat low balance on this account because i use it as a spending account. I called them again asking why they had made this decisions where there was clear fraud on my account and they proceeded to question me as if I WAS THE GUILTY PARTY. Honestly, its not a lot of money to me but its ' the point that the bank who is supposed to secure my money decided not to do the right thing. At this point, I reached out via email again and have not received any further responses from them. Claim number with CHIME bank is XXXX.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.
Consumer complaint received 2015-10-24
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (WA)

I unfortunately have XXXX ongoing issues with Rushcard. The XXXX being that a new card was supposed to be expedited to me on the XXXX of XXXX that was never shipped. On the XXXX I called to inquire the whereabouts of my card only to be informed it had not been processed so a new card was expedited on the XXXX to again arrive in 1-2 business days. As of theXXXX of XXXX, I still have not received my card not can anyone find a tracking number to find out where it is. 

Issue # 2. On the XXXX of XXXX, a deposit in the amount of {$400.00} was sent to Rushcard via my employer. I have called ever day since theXXXX, sometimes XXXX times to follow up only to either be on hold for XXXX hours or have the automated system hang up on me. If I did get connected to a rep, I would hear the scripted apology & please be patient. 

The cost of this issue has me losing my car as well as costing me additional rent costs as I was in the process of moving when this fiasco began. I now will owe my Landlord an additional {$220.00} if I receive my money on the XXXX as I was once again guaranteed. My job had been in jeopardy since Its a requirement to have a car. I work with XXXX I 'm forced to take unpaid time off. 

Ther most embarrassing part is that I have not had any money since theXXXX so I 've been scraping by eating whatever is edible in my home. This has consisted of rice & mash potatoes for a majority of the time. I 've run out of both so now I 'm going hungry or eating crackers.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (NC)

This past weekend I found a " collections '' item in the amount of {$27.00} on my XXXX credit report, dropping my near perfect score by XXXX points! I have NEVER had a collections account! It was from Financial Data Systems, which I found to be a collections company in XXXX, NC. There was a note that it was related to " XXXX XXXX '' and dated XX/XX/2021, nearly 6 months ago. 

I have never received any bill or communication of any kind from either XXXX XXXX ( their correct name ) or Financial Data Systems. I spoke with both XXXX XXXX XXXX XXXX  ( XXXX XXXX 's billing service ) and FDS this morning. 

XXXX explained that the amount owed was related to a medical procedure I had last year. That procedure generated many bills, some from providers I had never heard of. I paid every single bill that was sent to me by all providers. However, XXXX stated that they sent XXXX bills to an address that is more than XXXX XXXX XXXX. XXXX stated they got the address from XXXX XXXX, and because none of the bills were returned as undeliverable, they followed proper procedure in sending it to a collections company. I have no idea how XXXX XXXX got that old address, but it seems irrelevant as I provided my current address on all forms I filled out related to the procedure. I know this is true because all the other providers used that current address to send me bills! 

In speaking with Financial Data Systems, they said the same thing, they got the address and phone number ( also incorrect ) from XXXX, they sent notices to that address and called that phone number, and because nothing was returned as undeliverable, they followed procedure and reported it to XXXX. 

In speaking with them, they promised that the collections item would be removed from my credit report when paid. I asked for that statement in writing before paying, and they refused. They said that I could pay an additional {$10.00} and they will send me a " deletion letter '' tomorrow after the payment posts. I paid both the {$27.00} and the {$10.00} " deletion letter '' fee, despite the fact that I feel I should not have to pay a fee to get an error on my credit report corrected. That is like mugging me twice! 

I have no documents to provide as I never received anything from these 3 companies. 

I am making this complaint against all three companies who created this situation : 1 ) XXXX XXXX XXXX of XXXX, NC, 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC, and 3 ) Financial Data Systems XXXX XXXX, NC.
Consumer complaint received 2015-10-26
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: C & M Associates Group, Inc. (PA)

Received call from " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX XXXX, IL XXXX I owe XXXX XXXX Bank some huge undisclosed sum of money. He states that the last activity was in 2004. 

Claims that they have authorized an immediate lawsuit against me in my county unless I quality for their hardship program AND immediately pay off this debt. 

The caller refused to identify himself, provide phone number, or to confirm his company name, address, etc. 

I repeatedly demanded written information be mailed to me. The caller refused to confirm that any mailing had been or will be sent. Only that I had to know about the debt and had to pay immediately unless I want the sheriff at my home. I was unable to get any direct contact information from the caller. 

The caller just kept threatening that a lawsuit was pending unless I pay. For the record : 1 ) I do n't owe the debt, and, 2 ) the alleged debt is out of statute for Pennsylvania. 

What is my recourse with the company?
Consumer complaint received 2015-10-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (AL)

Rush card 's systems were down for maintenance but when they became operational again they no longer allowed me access to my funds. I misplaced my card and blocked its usage online to prevent fraud and am now being told my account can not be unblocked. Every representative I 've spoken with claims they ca n't even view my account however thy insist and often times transfer with out approval or notice. I have been forced to wait for ridiculous hold times exceeding XXXX minutes to an hour and a half and have been hung-up on and refused the assistance of a Supervisor. I was told, " You have all of the information you need so there is no need to transfer you to a supervisor ''. All I want is MY hard-earned money off of this card. Some sort of compensation for this ordeal would be nice but I 'm not going to hold my breath.. These people are unprofessional, incompetent, rude, obnoxious and the list can go on and on. Any assistance you can provide would be helpful and appreciated.