davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

Recently there were two unauthorized ACH transfer of money OUT of my account at Chase. The bank involved was XXXX XXXX and the transaction is listed as if it's an account in my name pulling the money out, so I can see why maybe they'd get confused in this or why it might not look legitimate. On XX/XX/year> a XXXX transaction of {$21000.00} was pulled out of my account. Also XXXX days later on XX/XX/year> another transaction of {$11000.00} was withdrawn from my account through XXXX. Neither of these charges were authorized by me... They said that the same bank had already sent back {$10000.00} on XX/XX/year> and that was all they were able to do for me... I think there is some confusion because the deposit made into my account from XXXX for {$10000.00} was legitimate but these XXXX withdraws are not. 

I don't know where this total of {$32000.00} went, but it's been a good month and I have not seen it in any of my accounts. This is not acceptable to me, and I don't understand how they can just tell me I'm basically screwed and I just have to report it to the XXXX XXXX XXXX I'm reporting it to you to hopefully help me get these funds pulled back.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (MI)

Dear CFPB, I am writing to formally file a complaint against Carvana for violating multiple consumer protection laws during my recent attempt to finance a vehicle. The details of the incident are as follows : On XX/XX/XXXX, I attempted to purchase a XXXX XXXX XXXX XXXX ( XXXX : XXXX, Order No : XXXX ) through Carvana 's financing services. Before the transaction was completed, I was prompted to make a down payment. I engaged with Carvanas online chat service, unaware that I was interacting with a chatbot. The chatbot confirmed that down payments were a standard practice in the auto industry and insisted that it was a requirement for completing the transaction. 

I informed the chatbot about 15 U.S.C. 1605, which states that in consumer transactions, the finance charge is the sum of all charges, which should include all fees and costs associated with the credit transaction but shall not include cash-like transactions such as down payments. Despite this, I was repeatedly told that Carvana 's business model necessitates a down payment and that compliance was required to proceed. 

Subsequently, an agent named XXXX reiterated the same information and refused to rectify the situation, stating that if I did not wish to make a down payment, I should seek financing elsewhere. This directly contradicts the pre-approval I had received for the vehicle, rendering the pre-approval meaningless. 

I believe Carvana 's insistence on a down payment constitutes a violation of 15 U.S.C. 1662b, which prohibits fraudulent and deceptive practices by requiring charges not customarily arranged or usually required. Additionally, this practice aligns with the definitions of fraud and deceptive practices under 18 U.S.C. 1341 ( Frauds and Swindles ) and 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ), as it involves false and misleading statements regarding the financing terms. 

The lies told by Carvana 's chatbot and agent XXXX are false and misleading, constituting fraud and deceptive practices. These actions have caused significant distress and confusion, undermining my ability to make an informed decision.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (AZ)

I currently have XXXX insurance but owed XXXX dollars from a previous account. I paid this recently when I got XXXX as my insurance holder in XXXX. In order to get XXXX, I had to pay this first which I did and also sent this information to this CCS company when I disputed it with XXXX and both CCS and XXXX refused to remove it.
Consumer complaint received 2024-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (PA)

On XXXX called XXXX XXXX XXXX XXXX XXXX c/o University Accounting Service , LLC UAS for forbearance, but took them two months to tell me I was out of obtaining a forbearance, On XX/XX/2023 I called and the representative said if I paid {$720.00} that the late fees and interest would be waived for the last six months. This was a false statement. Each call or email I got a different response : Can you please fill out the attached form for the following dates and make sure to inform it is a payment plan. 
Please write Request for Payment Plan and the amount you can pay. 
Also attach any documents supporting your income such as most recent W-2 or paystub and/or letter of appeal. 
Once its completed, please e-mail it back to XXXX and allow 10-14 business days to process. On XXXX I had not heard from you for over a month and thought my daughter XXXX finally took the responsibility of the loan. How much has XXXX paid of her loan and have you been in contact with her? 
I received a letter yesterday saying you have tried to contact me. What date, time, did you call the landline XXXX number or cell? Did you leave a voice mail or what happened? 
Again I was trying to pay but your options were not the best. 
You emailed the Payment Plan, but it was not what I expected. How did you come up with {$190.00}? I thought it would be 50 % less or about {$120.00} or {$50.00}. This is only for six months and then goes back to probably more than I was paying since interest accrues at a high % rate. What are other options?
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MS)

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, MA via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2019 in the amount of {$97.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency XXXX, MA.
Consumer complaint received 2023-05-05
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)

This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MO)

I wrote a third-party check to a Painter, XXXX, in the sum of {$4700.00}. The check was deposited in XXXX account on XX/XX/year>, and the funds removed from my personal checking account the same day. XXXX bank is XXXX XXXX refused to honor her for seven days and would not tell her where the funds were withdrawn from my account. XXXX received a letter from the bank stating We are taking this action because we have information that leads us to believe that the check may not be paid. XXXX and I jointly talked to the bank fraud control who advised that XXXX XXXX XXXX XXXX had the funds and had not released them yet. The statement lead XXXX to believe that I did not have sufficient funds to honor her check which is libel and that my account had more than sufficient funds to honor this check.
Consumer complaint received 2024-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/year>. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (SC)

There seem to be hard inquiries that have been furnished to my report without my written instructions and i was not given a nondisclosure option or an opportunity for it to not be disclosed to a third party. According to 15 U.S. Code 6802 it says that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment
Consumer complaint received 2023-05-01
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. (VA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

To whom it might concern Bank of America have open an account and someone spent it and I need them to erase the charge and send me a new card with new number or close it. I been paying for a charge that is not mine and need them to fix that or I will have to take it to court. I would apriciate if Bank of America takes that charge of XXXX and the credit card is only for XXXX and it was opened XXXX XXXX .. that account I did not spent XXXX that the bank is putting there so please erase the charge that was in another state and God knows who did it.
Consumer complaint received 2024-04-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (AL)

XXXX XXXX is damaging my credit due to XXXX I told them to get the car when I had my baby and then still decide to process the repo and is damaging me credit I asked it be remove. It is stopping me from getting a car
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$71.00} XXXX XXXXXXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00}
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (NV)

I took out a loan with one main financial the loan was XXXX XXXX XXXX interest but they charged me XXXX which is 100 % interest. You see I have XXXX and XXXX XXXX and I don't always have a XXXX XXXX. But I had XXXX credit cards they were charging me so much I couldn't eat I had to XXXX XXXX on all of them. I've made payment arrangements with three of them but that's all I can afford. Why would these companies give me XXXX dollars in credit when I make XXXX dollars a month. You see they all new I owned my house so they knew I couldn't pay them off every card was 25 % interest then inflation. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. If they knew I was XXXX why would they keep giving me cards. Your telling me they thought that a XXXX  XXXX  could afford XXXX lines of credit and a XXXX dollar a month loan sounds like a American scam to me. I wish to file a complaint on all my lines of credit from all my creditors I want them taken off my credit report and I want the loan to be cancelled because it was fraudulent. Ty for any help
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX, XXXX XXXX XXXX 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. 

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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX  XXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer.

reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (MI)

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

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 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 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (TX)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act US Department of EDU Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states I have a 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 2023-08-05
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: General Motors Financial Company, Inc. (PA)

Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX  as required by law, the bureaus just update remarks on the report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, XXXX, Experian ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My complaint centers on Transunion Intermediate Holdings , Inc. reported inaccurate and private information, which has adversely affected my consumer report. 
A certified notice providing more details is being attached to this complaint and mailed via XXXX # XXXX, to you inform you of the unauthorized and improper utilization of my consumer report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 : also states a consumer reporting agency can not furnish an account without my written instructions.