davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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: Bread Financial Holdings, Inc. (OR)

Hello there, in XX/XX/year> I had reached out to ComenityCapital Bank for their Smile Generation Card. 

I am a recent graduate and lost my job. I had reached out to this company to make arangemnts to get my account back on track. Upon speaking to a representative in XXXX, we came to the agreement that I would pay $ XXXX on the first of every month. 

Now, After making the first payment on XXXX XXXX, I noticed a late paymen notice on my credit report. Contacting Comenity Captial, they shared that after three payments, they would correct the eroor so that my credit report does not say late. This was confusing as I do not understand why they would repot late, even though I was and am not. 

As I made payment in XXXX, XXXX and XXXX, my credit report is deteroirating due to this company contiously reporting XXXX, even 60 days late! This is very innacture and has impacted my other finaces and credit score. 

In many instaces I paid with more funds and days before the requested due date on my statements. 

XXXX statement will reflect - Minimum Payment Due : {$58.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$57.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$55.00} - Payment Due Date : $ XX/XX/year> I made TWO payments of {$57.00} on XX/XX/year> and XX/XX/year> I have disputed this account four-five times between XXXX XXXX XXXX with XXXX and no avail or changes. I am becoming more and more frustrated as something out of my control is starting to control other aspects of my fincial stability. 

In addition, I had purchased and paid for something called Account assurance as to cover if I were to lose my job, death, ect. Upon trying to request it, I was denied as I did not meet all of their details. So in addtion to this nonsence, I am paying almost {$1000.00} in payments for something that was to help me when I experienced a finacial need- no service was given.
Consumer complaint received 2024-05-12
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. (CO)

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Athena Bitcoin Inc (GA)

I requested information from ATHENABITCOIN services that they confirmed they have and would provide for me. They still have not provided the IMPORTANT INFORMATION and is screening my calls. Instead of just simply providing me with the information as said they are simply neglecting to provide customer service. The information being withheld is causing great hardships and inconvenience. They even answer the phone not say anything and hang up I have recordings. They have recordings and I have email that they requested from me to get me my information. XXXX. Is the number on the account with Athena. The initial contact made with Athena I was assured BY the agent that they would PUSH this SIMPLE request through immediately because of the urgency of the situation. They have failed miserably to uphold any business standards. Are they hiding something? Why arent they producing the ACCESSIBLE information?
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, Equifax, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Consumer complaint received 2022-12-09
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. (CA)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I filed a dispute via CITIBANK of {$1500.00} ; however, CITIBANK never responded to me either via email or phone call to confirm the evidence documents I sent them at least XXXX times, nor put the evidence documents onto my case. 
After 45 days I had to work with the vendor to get my money back all by myself. 
I called the CITIBANK Dispute department at least XXXX times, and each time I talked with a different rep or supervisor, none of them were able to help me, their comments were the same, and lies that they never received my documents and they only write something for their internal people ( never know who??? ) to handle. 
CITIBANK doesn't have a dispute department, anyone is a dispute rep., can only take messages but not action to handle my dispute case, for the past 45 days. 
The worst case was due to their incompetence, CITBNAK refused to credit the balances to me and charged me the fees that I was put on a dispute. Not only were they unethical, also practiced illegal business on my case by taking the money that I owed to them with a dispute case. I read a lot of similar complaint cases against CITIBANK here, I hope the Consumer Financial Protection Bureau can investigate CITIBIBANK to protect consumers like me. Now I request CITBNAK to refund {$1500.00} back to my credit card and take responsibility for dealing with the vendor on my behalf, immediately.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (PA)

Subject : Formal Complaint Against Carvana for Unauthorized Financial Transactions and Non-Disclosure of Terms Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Carvana due to unresolved issues stemming from a transaction initiated on XX/XX/XXXX. On this date, I agreed to trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX, with the financial terms as follows : a purchase price of approximately {$56000.00}, with {$22000.00} accounted as trade-in value, a cash down payment of {$25000.00}, and {$10000.00} financed through Carvana. 

The vehicle was scheduled for delivery on XX/XX/XXXX, at my residence in XXXX XXXX, Pennsylvania. Shortly after finalizing the agreement, I was informed by Carvana that my Pennsylvania drivers license, due to expire on XX/XX/XXXX, did not comply with their internal policy requiring the license to be valid for 60 days post-deliverya stipulation not disclosed prior to the agreement. 

Despite my immediate response highlighting the impracticality of renewing my license by the delivery date, and my request to cancel the transaction should my current license be unacceptable, Carvana proceeded to withdraw the {$25000.00} down payment from my checking account on XX/XX/XXXX. 

In an attempt to meet Carvana 's requirements, I renewed my license on the PA DOTs website, however, Carvana deemed the additional provisional documentation insufficient and refused to deliver the vehicle as agreed. 

Consequently, I demanded the immediate return of my deposit on XX/XX/XXXX. Carvana indicated that the funds would be returned by no later than XX/XX/XXXX, despite the fact that they managed to withdraw these funds in less than two business days. This delay in refunding my money is unwarranted and unacceptable, given that the terms of the transaction were not honored. 

This conduct by Carvana not only breaches our original agreement but also exemplifies poor business practices by imposing undisclosed terms after the agreement and unjustly withholding significant funds from my account. 

I am seeking the CFPB 's assistance to ensure the prompt return of my {$25000.00} cash down payment, as well as the additional {$290.00} delivery fee. Enclosed are all relevant communications with Carvana, screenshots showing the withdrawal from my checking account, proof of my current valid license, and documentation of my license renewal. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-06-24
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2024, I received an email from a company supposedly called XXXX XXXX confirming a flight that I supposedly booked. I receive quite a few phising and scam emails so I just ignored it and deleted it since I never booked a flight and never heard of this company. I kept receiving email updates from this company throughout the next couple of days and thought that was strange so I decided to investigate on XX/XX/2024. On XX/XX/XXXX, I noticed a transaction on my Bank of America credit card in the amount of {$1300.00} from what looked to be that same company 'XXXX '. I proceeded to call Bank of America to file a fraud claim, spoke with a representative, a received a temporary credit on my account while they conducted their investigation. The following week, I called to get an update on my claim and found out that the representative erroneously submitted my claim as a regular dispute, not a fraud claim. This was very frustrating and then the representative I spoke with submitted the correct fraud claim. My fraud claim was denied twice ( original & reconsideration ) and I was told that XXXX claimed that I flew the flight which is also impossible. This is now becoming an identity theft issue and I don't know whether XXXX is just saying this to win a dispute or they truly have evidence of this ( which they don't because I didn't know anything about this purchase to begin with ). On the email, it also looks like my last name is spelled incorrectly ( XXXX instead of XXXX ).
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

I went and logged into my account when my phone number changed so I couldn't do the two-factor authorization they required XXXX forms of identification I sent them the XXXX forms of identification XXXX times or more and they're saying it's not good enough because there is a slight corner piece cut out of or ripped out off of my social security number card it has nothing to do with the number or my signature you can visually see this well I told them I have nothing else they want to Bill I don't have a bill I live in a RV all my bills are paid into my rent I don't have any utilities I have sent them my driver 's license I've done everything I've tried to give them every card I have nothing is good enough it just keep telling me nothing nothing it just keep keeping my money from me I told them I only had {$50.00} to my name it's in that account I was hungry they are doing nothing but being rude to me closing cases and just refuse to let me change my phone number.. this is been going on for one full week today one week I've been begging to get into my account and I've given them every answer they wanted I did all of the secret questions I gave them the four digit code to my email and they still refuse no matter what information I give them they still refuse
Consumer complaint received 2023-08-28
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. (OH)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Consumer complaint received 2023-06-23
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: Regional Management Corporation (FL)

The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

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 resulted from an alleged identity theft, not later than 4 business days after the date of this 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 IMMEDIATELY!

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 Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AR)

Hello, back in XX/XX/XXXX, I made XXXX payments to XXXX XXXX XXXX for a sale they were advertising. It seemed legit from the website, so I bought {$93.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, and {$24.00} on XX/XX/XXXX with my Credit Karma spend account debit card. After a few months when I received no product or email about my products, I emailed the company. They have no other way to contact them. I got an automated email back saying the warehouse is behind. No matter how many times I emailed, I got the same response. Now over a year later after Ive made those purchases, I realized my money was truly stolen so I decided to try and dispute it with Credit Karma. My dispute was denied and their only reason was no error occurred. No error? Ive lost out on nearly {$200.00} from a scam. That money was STOLEN from me and Credit Karma says no error occurred? I need that money back and that scam website shut down.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I AM ONE TO CHECK MY CREDIT OFTEN. TODAY I NOTICED THERE WAS A NEW ACCT OPENED ON MY REPORT FROM YOU ALL. AS WELL AS DROPPED MY SCORES DRASTICALLY..THE ONLY TWO IM AWARE OF ARE THE ONES IVE HAD FOR A COUPLE YEAR THATS CLOSED AND IM PAYING OFF CURRENTLY. SO IMMEDIATELY AFTER NOTICING THAT I CALL CAPITAL ONE AND HEAR ON THE AUTOMATED PROMPTS THERE WAS A NEW CARD ENDING IN XXXX OR WHATEVER OPENED THAT IM UNAWARE OF AND IT ALSO DROPPED MY SCORES ON ALL THREE BUREAUS. I SPOKE WITH REP THIS EVENING AND SHE TOLD ME THAT THIS WAS NOT A NEW CARD. THAT IN FACT THIS WAS AN OLD ACCT OF MINES FROM I DONT KNOW WHEN. MY THINGS IS. HOW ARE YOU SOBS GON NA RUN MY CREDIT WITHOUT MY KNOWLEDGE THEN REOPEN AN OLD ACCOUNT AND SLAP IT ON MY CREDIT. THATS ILLEGAL AND UNETHICAL UNDER FCRA. THATS. VIOLATION. YOU ALL BETTER REMOVE THIS XXXX IMMEDIATELY BECAUSE IVE NEVER SEEN ANY XXXX LIKE THIS BEFORE AND XXXX XXXX. I GAVE YOU ALL NO PERMISSION TO USE MY SOCIAL SECURITY NUMBER TO RERUN FOR AN OLD ACCT THAT I DONT EVEN REMEMBER. FACT OF THE MATTER IS. YOU USED MY SSN WITHOUT MY KNOWLEDGE. I ONLY FOUND OUT BECAUSE I GOT CREDIT NOTICE. HOW ARE YOU ALL GON NA GIVE ME TWO NEW CREDIT CARDS AFTER THE FACT THEN SLAP AN OLD ACCT I HAVE NO KNOWING OF AT ALL THEN DROPPED MY SCORE BY XXXX POINTS I DONT GIVE XXXX XXXX IF THIS IS AN OLD ACCT. YOU XXXX USED MY SSN WITHOUT MY PERMISSION NOR KNOWLEDGE. I WANT THIS ACCT OFF MY XXXX REPORT NOW AS IT WAS IMPROPER USE. I ASKED THE REP AND SHE GAVE ME THE XXXX NUMBER FOR ME TO CALL IN THE MORNING. I ASKED HER IS THAT WHAT DROPPED MY CREDIT AND SHE TOLD ME TO CALL THE NUMBER. THATS SOME XXXX XXXX. YOU CANT USE MY SSN LIKE THAT. I IMMEDIATELY THOUGHT THIS WAS FRAUD BECAUSE IT SAID AN ACCT WAS OPENED THIS MONTH ..AND I KNOW XXXX WELL I DIDNT OPEN A NEW ACCOUNT NOR WOULD YOU ALL LET ME BECAUSE IM PAYING OFF TWO NOW. THIS IS NOT RIGHT AT ALL AND I WANT AN EXECUTIVE OR SOMEONE HIGHER UP TO CALL ME BECAUSE I KEEP CLOSE EYE ON MY CREDIT AS IM TRYING TO KEEP IT GOOD FOR HOUSE BUYING. XXXX XXXX. JIST REMOVE THIS AS YOU ALL HAD NO RIGHT
Consumer complaint received 2023-10-05
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. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXXX 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
Consumer complaint received 2022-11-15
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My lawyer Send money Using XXXX for the amount of {$1000.00} but my bank told me its under review when I ask the whats the reason why its under review they don't provide any reason Its really crazy because I need some found But nothing I can do The transaction date is XXXX my bank name is Wells fargo..
Consumer complaint received 2023-10-05
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: SameDay Auto Finance, LLC (TX)

I submitted a complaint to which your company stated that you could not verify the account with the information provided. According to the FCRA, this is a violation and grounds for removal. Your company also asked to provide the account listed on my credit report. I have attached the account in question. Your company should have record of all accounts being furnished to the CRA 's. You are reporting inaccurate information, and I am requesting the removal of this account from my credit report immediately. The location of the specific branch is XXXX Tx. However, if I have to take this to small claims court, I will be suing the company as a whole.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

I have a saving account with XXXX by Goldman Sachs. On XXXX XXXX, I transferred some money into it and opened a new account with XXXX bank on XXXX XXXX. Then I want to transfer the money to fund my new account. XXXX refused to transfer my money and wanted to keep it in their company showing no policy or regulations that I can not transfer in and out fund in 10 days.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Exodus Movement, Inc. (GA)

Exodus- I transferred {$2500.00} on XX/XX/23 at XXXX XXXX. When I went back to retrieve money, someone had stolen from my account. They assigned a special security number that was written down. So how is this possible?? 

On XX/XX/23 at XXXX XXXX, from my secured account, someone purchased Bitcoin in the amount of {$500.00} and another transaction on XX/XX/23 at XXXX XXXX, in the amount of {$1800.00}. 

On XX/XX/23, they sold Bitcoin {$1400.00} at XXXX XXXX, and XX/XX/23 sold Bitcoin for {$900.00} at XXXX XXXX. 

All my funds disappeared.