davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (GA)

This company XXXX XXXX contacted me about account that they stated I owed due to overdraft fees to XXXX from 2009, this account was resolved and closed which I told them. Not wanting to deal with the shouting, arguing person, I stated I would just pay it and be done, he offered me a 40 % discount I stated I would pay at 50 % of the amount. He agreed. I offered him my credit card if he agreed to furnish me with proof of the debt because I told him I was tired of telling him I had never received anything g from him. He refused to send me anything, which I understand I am entitled to a validation, he also refused my credit card and insisted on my checking account number. I told him I was looking his company up as we were speaking and everything I was seeing was that he was scamming me and that if he as legit he would have no problem sending me the validation even over night if need be. I offered him a money order, a cashiers check, wasnt having it, had to be my banking account. He told me he was done with me and that the attorneys were coming after me and my bank accounts. His last name was XXXX.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NJ)

In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX   XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.
Consumer complaint received 2021-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (MI)

I was offered an approved loan in the amount of {$1400.00}, with the single requirement that I submit veirfications my stated XXXX income from social security. 

I submitted my income verifications that I received from social security. 

The company then denied my already approved loan because a portion of my stated income amount is social security benefits that I receive for my minor children. The company stated that I was now being denied credit because " my income could not be verified because the income verifications I provided are not for my income and they can not use another person 's income. '' When I told the company that this income is MY income and comes in my name and is for my minor children, but that the income is mine to use, the company refused to respond to me. 

This company unfairly denied me an already approved loan because I receive social security for myself and my children. This is unfair to me, and I believe it is illegal. Also, it has adversely affected my credit score to be denied this loan after I was already approved for it. 

Please look into this situation with this Upstart company. I was approved for an promised a {$1400.00} loan if I verified my income, and I did exactly that. This company should be forced to provide me with the loan I was promised. This company should not be able to deny me based upon the fact our income comes from social security. That is discrimination. 

Letter of denial from the company : Hi XXXX, We wanted to let you know about the status of your application. Based on our verification, we updated the following components : - Income : We could verify {$11000.00} of your reported income. We are unable to consider this income since it is not in your name. Since we can not use co-signers or joint applicants, we can only consider income that is in your name. 

Unfortunately, these changes caused you to be disqualified. For more information on the status of your application, please log into https : //finwise.upstart.com. 

We regret that we were unable to provide you with a financial solution at this time. If you are interested, you are welcome to reapply after a 30-day waiting period. Please note that you will need to use a different email address to reapply. 

If you have any questions, you can email Upstart Loan Operations at XXXX, or you can call us at XXXX XXXX XXXX XXXX. Our phone lines are open every day from XXXX XXXX XXXX, except XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref : XXXX : ref
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

There was a purchase on XX/XX/XXXX for {$1400.00} which was returned. The creditor, Lowes / Synchrony bank has admitted that the original charge promotional balance was incorrectly credited and debited over a period of four months following the original transactions. I disputed their remedy for the final correction on XX/XX/XXXX. I asserted that I have a right to a Statement of Account for all charges which are owed in a date range from XX/XX/XXXX to XX/XX/XXXX. I was told to look the statements I am disputing? I called and found out additional details and got on a recorded call a Supervisor admitting that they had made errors in applying my promotional balances, credits and debits. I asked again for a Statement of Account showing all charges, credits and debits. I asked the creditor prove that the debt currently showing on my account is correct. I was refused by not getting a direct yes or no answer. My complaint is that there are transactions where my money paid was moved that I am not being shown and Lowes Synchrony Bank has failed to disclose exactly how the errors were made and that corrections made were true and accurate. Thus my overall balance owed may not have been true and correct.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have had the issue with XXXX XXXX XXXX XXXX before. I had previous with XXXX  that were old and should've been removed from my account but they are showing the information missing/no data for these months to keep the item on your credit report longer than it should be. This account first went delinquent on XX/XX/XXXX, they continuously move the credit date to keep this item on your credit report longer than it should be. This is the XXXX account that XXXX has did this and it should be an investigation into this. They know that you can only view 7 years of your credit report and they use that to their advantage. When I'm viewing the history I only see XXXX. The year XXXX is not viewable and there's dashes through most of XXXX. Also, XXXX is when it was charged-off, which it had to go delinquent prior to XXXX before it was charged-off. It take months of delinquent reporting before it is charged off. I need them to remove this from all of the credit reporting agencies and I want this looked into for a class action lawsuit. I am stage XXXX XXXX and have been disputing this for months and they knew the entire time that this wrong. They did this before with XXXX other accounts I have with them and I don't think that this is a practice where I was singled out. This is what they are doing and it should be illegal. I will also escalate this with my Attorney General 's office as well.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank offer the XXXX payment service to its customers, which allows direct transfers to 3rd parties. The " limits '' stated on their website for the XXXX service indicate there is a daily transfer limit of {$5000.00} and a {$10000.00} limit in any rolling 30 days. I requested a {$5000.00} transfer to a party on XX/XX/XXXX at about XXXX XXXX PST. I had no previous transfers in the previous 30 days, so the {$10000.00} limit was not triggered. I tried on XXXX. XXXX  to make another transfer in the amount of {$3900.00}, but got a prompt indicating I could not do so as I had reached the " daily '' limit. I contacted Ally Bank and was told that a " day '' is 24 hours from the prior exchange. On XX/XX/XXXX, I tried again to make a transfer of {$3900.00}, and again got the " daily '' limit prompt, indicating I could not make the transfer. I contacted Ally Bank again on XX/XX/XXXX and this time was told the initial {$5000.00} transfer would not clear XXXX systems until Monday, XX/XX/XXXX, and I would not be able to make a transfer until then. This means the " limit '' language on Ally 's site is false and misleading. A " day '' is apparently defined as a week. Customers are misled and falsely believe they have the ability to make a daily transfer up to {$5000.00} with the option to make another option the following day, so long as the {$5000.00} daily limit is not reached and so long as the rolling 30 day {$10000.00} limit is not reached.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Company Inquiries : 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
Consumer complaint received 2019-05-06
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. (TX)

I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX   Equifax, and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND EQUIFAX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Consumer complaint received 2022-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-11-04
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc. (TX)

Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX collections account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXXXXXX XXXX  XXXX XX/XX/year>. However, I have not received any evidence from Portfolio Recovery to support valid assignment or transfer documents from XXXX XXXX  or XXXX XXXX XXXX XXXXi that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on Equifax the XXXX Credit Card account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX are being reported to support any balance due or owed for Portfolio Recovery to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX  or XXXX XXXX XXXX XXXXi to XXXX XXXX If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2021-11-01
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: Synovus Bank (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.