davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ROYAL UNITED MORTGAGE LLC (IN)

My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (GA)

Hello. 1st & foremost I applied for financing with Carvana & was approved. On XX/XX/XXXX at XXXX I received an email in regards to the financing request. The letter stated that my credit score was XXXX & they they got the information from XXXX. I checked XXXX website to see if this was the information they have been reporting & according to the actual XXXX website, my credit score is XXXX. I believe Carvana is fraudulently saying my credit score is much lower than what it is to try to justify the ridiculously high 27 % interest rate that they offered me. 
Also I went ahead with purchasing the car. I authenticated my bank account with XXXX & authorized them to charge {$790.00} for a down payment. I received a confirmation email on XX/XX/XXXX at XXXX that my order was placed & the car was scheduled to be delivered on XX/XX/XXXX at XXXX. 
Carvana then requested further proof of address & a GA drivers license, stating that the state of GA requires consumers to have a GA drivers license to purchase a car. I questioned this, but was told by the Carvana representative that this was their policy & that I had the choice to take mommy business elsewhere. Given that I am in need of a new car, I went ahead & got the GA drivers license & at Carvanas request, uploaded the two requested additional documents on Sat XX/XX/XXXX. In the email I received & per the Carvana representative, I had until Mon XX/XX/XXXX to provide the requested documentation. 
On the evening of XX/XX/XXXX I went to check to see if Carvana had reviewed & processed the additional documents & was told the purchase had expired, although the original deadline had not even come yet.

I reached out to Carvana to ask about this & was told my multiple representatives via chat on Sunday XX/XX/XXXX that I would have to start the buying process over & pay an additional {$200.00} dollars on the down payment. Originally I authorized, via XXXX, a {$790.00} down payment. Now Carvana is trying to increase the terms saying I must now pay {$990.00} and receive the car at a later date than originally confirmed. 

When I was initially offered an approval from Carvana, the site said an interest rate of 23.61 %, but that significantly increased when I tried to purchase with Carvana. This is a predatory lending practice which is a violation of the TILA.

Carvana is violating my federally protected consumer rights.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc. (OR)

I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC. (IL)

During XX/XX/XXXX I went into the advantage XXXX XXXX XXXX XXXX in XXXX XXXX with {$5000.00} to make a purchase for a vehicle and I work with the salesman XXXX XXXX. 

I arrived at the car dealership with myself and my two children I let him know that I wanted a new vehicle and how much I had to put down as a down payment he immediately told me there was only one vehicle that he could show me and demanded that I pay him {$2500.00} out-of-pocket through XXXX XXXX and then I paid XXXX to the dealership because that was the only way I would be able to get the vehicle. 

About 30 days later exactly the car went out. I demand it at the dealership come and pick up the vehicle from my driveway and return my money and they refused to they only offered to fix the car which they took to two or three different car shops in the car was still never truly fixed. iKn addition, it was in the shop for over four months after that it got out of the shop for about 30 days and was in the shop again for another month over the course of eight months, I was only able to physically drive the car two and fell behind drastically on the cardinal and ultimately the account was charged off and the car was repossessed. 

The vehicle in question is a XXXX XXXX XXXX I spent over {$5000.00} at the car dealership that day and the contract that was drafted up by the salesman and finance department only reflects {$3000.00} I'm demanding that this contract is null and void and this be removed from my credit immediately this dealership practiced fraudulent lending. They committed consumer fraud and this needs to be removed from my credit immediately because I'm a vulnerable buyer and I was taken advantage of.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (MO)

My RISE loan account was paid in full on XX/XX/2023. RISE is still reporting a balance on this account to the credit bureaus. I have emailed RISE and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion by phone on several occasions regarding the discrepancy that I had with my credit report balance reflecting a much higher balance ( {$340000.00} ) than its original principal balance ( {$340000.00} ) on my mortgage loan with XXXX. I've filed disputes over the phone and online, with an end result of " nothing. '' I even generated a correspondence dispute through the mail on XX/XX/23, and still no response. I've been pursuing this for the last month with no solution. Even when attachments were submitted with the dispute online, the end result of the investigation led to nothing. The customer service representatives that I've spoken to, I assume, are documenting the disputes being reported, but as of today, still there's no closure to this issue. The confirmed balance of ( {$340000.00} ) is indicated on the " Verification of Mortgage, '' dated XX/XX/23 from XXXX XXXX XXXX. This issue has been a drag when it doesn't have to be. The TRUTH of the matter is written in black & white, but Transunion continues to ignore this discrepancy, which by law, violates the federal Fair Credit Reporting Act ( FCRA ). Transunion fails to be transparent in every way, shape or form. And because of this, I'm pursuing this complaint to hopefully remedy this situation that's causing me much anxiety and stress. My rights are being compromised as a consumer and I'm hoping to resolve this as soon as possible. Thank you!
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/XXXX I was using American Express Travel website to book a hotel in a foreign country for a family holiday. I selected the XXXX XXXX XXXX. There was nothing stating on the website that this booking was " non-changeable or non-refundable ''. I mistakenly selected the dates of XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. When I became aware of this mistake, I contacted American Express and Amex Travel in an attempt to modify these dates and after several days of back and forth I was told that the hotel refused to change the dates, refund my charge or remedy the situation in any way as they told me it was a non-refundable/non-changeable reservation. I went back to the website where I book the hotel and there was nothing on the main page ( as there was with other hotels on the Amex travel site ) stating these policies. I looked deeper and saw a hyperlink on the room details section in small letters stating " room restrictions and cancellation policy ''. When I clicked on this link I found where they had hidden and buried these important terms. Had this been up front on the main page, I never would have booked with this hotel. THESE ARE UNFAIR AND DECEPTIVE PRACTICES! I have attached the deceptive website pictures and descriptions from the AMERICAN EXPRESS TRAVEL website who participate in these deceptive tactics. I continued to dispute with both American Express and Amex Travel but apparently they care more about protecting a foreign deceptive hotel then a cardholder since XX/XX/XXXX.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Consumer complaint received 2023-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IL)

On XX/XX/2023 National Credit Adjusters Debt Collection company parked unverified alleged debt of {$100.00} onto my consumers report. as well as to the three major credit bureaus. this has fluctuated my XXXX score tremendously. As of XX/XX/2023 I've sent a notice of dispute to the company in regard to this alleged debt.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$680.00}. I am formally submitting this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I paid XXXX department store with a convenient check for a balance transfer in the amount of {$750.00} from XXXX ( Barclays Bank ). 
In XXXX the check posted to my account, I completely forgot I had written the check two months prior. I contacted XXXX to report the the transaction. The fraud department reverse both checks, it was reversed out of XXXX. Then credited to my XXXX account on XX/XX/XXXX. Then, I received a letter from XXXX indicating the check was written by me. Therefore 750.00 was put back to my XXXX account, but never credited to XXXX. 
I have made several attempts to have this matter resolved, each time I speak to management im told they will take care of it as soon as possible. after 15 months with no resolution I need some help. Please Advise.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NC)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-08-23
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MCMC Auto LTD (TX)

I have requested to be on the DO NOT CALL LIST including all forms of contact with my auto finance company ( MIKE CARLSON MOTOR COMPANY ) as of XXXX 2016. I keep getting multiple collection calls and emails, I talked to the reps and a supervisor about the issue but nothing has changed. I had to change my phone number last weekd due to all the calls. I am seeking to file a lawsuit against MCMC for violations of the FDCPA laws.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

OHIO DEPT OF HUMAN SERVICES  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.

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.
Consumer complaint received 2017-07-30
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I HAD CREDIT CARD FOR XXXX DOLLARS MY BANK CHASE CHARGED IT UP TO XXXX I DID NOT AUTHORIZE THIS AND I HAD ALL MY ID BIRTH CERTIF SS AND DRIVER LIC STOLEN SOMEONE USED THIS AND RACKED THIS UP I HAD AND PAY ALL MY BILLS I AM ON XXXX AND THE BANK ALSO RELEASED MY SOCIAL SECURITY MONEY UNAUTHROIZED TO A COMPAY THAT I DO NOT OWE THEY OWE ME XXXX DOLLARS AND TRYING TO REVERSE LIKE I OWE THEM I CONTACTED MY BANK AND EXPLAIN TO THEM THEY WANT TO PUSH BLAME WHERE NOT DUE UNDER THE LAW MY SOCIAL SECURITY MONEY SHOULD NOT BE RELEASED UNDER ANY CIRCUMSTANCES AND THE XXXX LIMIT IS WHAT I OWE NOT XXXX APPROX I WANT THIS HANDLED AND REMOVED FROM MY ALL CR REPORTS AS IT IS NOT N=MINE I REPORTED OVER 2 YRS AGO ABOUT THE CARD BEING STOLEN THEN THEY CAME UP WITH SOME LAME EXCUSE OF DIFFERENT FAMILY MEMEBERS THAT HAVE NOTHING TO DO WITH THIS AT ALL NEVER EVER I AM SOLE OWNEER AND NO ONE HAD A CARD I ORDERD ONE BUT RIPPED IT UP FOR THE FACT THEY CHILD DID NOT NEED IT SO I ALSO CALLED TO TAKE PERSON OFF THE EXTRA CARD. THIS IS CRAZY I AM A VICTIM AND I WANT MY SOCIAL SECURITY MONEY BACK FROM THE BANK AND ALL NEG MONIES REMOVED FROM MY CREDIT REPORTS I WIL PAY THE XXXX NOT A PENNY MORE AS I DO NOT OWE IT. HOW COULD THIS BE A XXXX DOLLAR CARD RACKED UP XXXX THEY ARE LIARS AND STOLE MY SOCIAL SECURITY MONEY XX/XX/XXXX TILL XX/XX/XXXX I REPORTED IT THEN AND NOW IT FINALLY IS COMING I BELIEVE TO A RESOOLUSTION EXCEPT THE XXXX I DO NOT OWE ARE THEY CRAZY IF THEY CAN RELEASE MONEY UNAUTHROZIED KNOWING ITS SSI MONEY THEN U KNOW SOMETHING IS WRONG I WAS A VICCTIM OF THEFT AND REPORTED IT. ALL IS APPRECIATED THANK YOU XXXX
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (LA)

XX/XX/XXXX - I performed a cash load of {$2500.00} at the XXXX store # XXXX my American Express Serve account. 
American Express shut down my account shortly thereafter and locked me out of online access so I could not log in to pay my bills with the cash that I 'd loaded. 
I 've called American Express Serve multiple times since then, the most recent being on XX/XX/XXXX and was told that my money was returned to the retailer each time. I 've spoken to XXXX on the XXXX audit team many times trying to track down where my cash was actually returned and they have no record of it ( as of XX/XX/XXXX ). At this point American Express will not transfer me to any superior officer or manager that can remedy this situation and is holding my {$2500.00} cash.
Consumer complaint received 2017-07-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance