davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (NM)

On XX/XX/2022 I submitted a brief CFPB complaint, complaint # XXXX, detailing the fraudulent practices employed by Carvana in their business with me. I also reported XXXX, Carvana 's overly close pet financier. I reported XXXX because they continue to act as some sort of weird henchman covering up Carvana 's fraud. Carvana issued a response to my initial complaint that was the mere distillation of backdoor negotiations held between me and XXXX on Carvana 's behalf. I am pretty sure that XXXX attempting to sweep Carvana 's fraud under the carpet, is the furtherance of fraud. But anyway, this complaint is because Carvana refuses to even follow through on the recent promises they made the CFPB and myself in their response. Carvana has possession of the vehicle and has had possession of the vehicle since it was impounded by law enforcement following its recovery from a theft. I originally attempted to collect the vehicle, but have been unable to because, well I don't own the car, and never have. Carvana sold me a car they didn't own. I am fairly certain Carvana has never owned the car. If they have, they have refused to provide evidence of title once to many requests. So, Carvana is the only organization or person who can possess the car. To be clear, if Carvana claims they don't possess the car. They are lying. They are playing legal semantics and it is more evidence of theiXXXX XXXX tactics. Continuing on, Carvana is attempting to coerce me to process this loan cancellation through their internal customer satisfaction process. I find this disingenuous, and the process is likely being used to cover internal evidence of fraudulent practices. Carvana demanded I submit payment to bring the loan current before they would rescind the loan. They also promised to send me all previous and these additional funds as soon as they cancel the loan. I want to be very clear. I am not a mere disgruntled customer. I am a victim of real fraud perpetrated by Carvana with real damages. I am almost certain that this " loan back out '' that Carvana was attempting to process is not an above-the-board way of Carvana fixing the fraud they conducted during our business. I choose to not participate in any more of Carvana 's fraud. Much as I refused to participate in Carvana 's requests to doctor and forge registration documentation so that I " could make an insurance claim '' on their stolen vehicle. Seriously Carvana, read this, process it, and do the right thing and cease this fraud. Honor the agreement you told the CFPB you were going to do. This complaint wouldn't exist if you had done what you said you would. So, keep that in mind the next time we talk.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Receive pre approval letter, aimed at XXXX workers, I have perfect payment history, has pre approval code and everything, went to apply and was denied. This is misleading and now the inquiry has shown up on my credit report, Im angry at Capital One.
Consumer complaint received 2023-07-04
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: Simon's Agency, Inc. (VA)

I am in receipt of my most recent consumer report and I am showing that you are reporting to my consumer report without permissible purpose. this is a violation of my rights. i have never provided you any consent to communicate with me in regards to this alleged debt and due to your negative reporting i am unable to benefit from my credit. this is causing mental anguish as im going through a financial crisis. please follow reasonable procedures immediately.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (FL)

This hard inquiries are not authorized by me : 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 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 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, I sent a letter to Navy Federal Credit Union stating I'm opting out of sharing my non public personal financial information pursuant to 15 USC 6801 et al. Along with the letter I sent a certificate of mailing signed and notarized. Navy federal has yet to honor my request.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc. (MO)

Money lion Company account acquired in order to help build credit score before home purchase. Not only damaged credit score, many wasted hours attempting to rectify their mistakes.

Immensely negatively affecting my interest rate on home purchase. This company has ignored my desperate & patient requests to rectify my credit reports To reflect the truth. Yet still refuses to respond with tangible reasons for inconsistencies & late responses after admittedly being wrong. 
*website/app suddenly dysfunctional *false promises about rectifying their mistakes *calls miraculously drop when called for help *suspended account claiming proof of income & questioning where funds are coming from. 
*continues to pass consumer around to different departments with XXXX solution. 
*knowingly & falsely reporting to all credit bureaus. 
*continuing to charge a monthly membership fee. 
4 credit builder loans for {$1000.00} They give you {$600.00} until the {$1000.00} is paid in full and then release {$300.00} at the end. Then another offer after 30 days ( their rules ). I Take XXXX other offers under false pretenses. 
XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full -still showing balance after 30+days These loans were agreed upon under the condition of being 1 singular revolving line of credit not 4. Company promised to clear up and remove the 3 extra open & closed reports. All lies. I have proof of their lies and emails with contradictory statements. Someone please help me.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names and numbers, addresses that are not mine, and that is not correct. I wish to get the resolved immediately.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I am unable to retrieve the funds on my account without incurring a fee. I XXXX XXXX and received this card from XXXX. In the agreements, it says {$0.00} teller withdrawal fee but when i called to ask what my daily limit was, i was told my card wouldn't work at a teller. This was the only option to take out the funds from this account. Something doesn't seem right.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

I received a notice from Aldridge Pitt Hann LLP in XXXX stating I owe {$3100.00} on a XXXX  XXXX XXXX  card. I made a payment in XXXX, XXXX, and XXXX. On XXXX I received a letter dated XX/XX/XXXX telling me I had 30 days to respond. On XX/XX/XXXX, ( not even 30 days later ) the firm did an initial filing for a wage garnishment for the full {$3100.00}. I only owe {$2800.00} at this point. I filed this complaint because I don't know if the company can take me to court if I am already making payments to them. A former employee of theirs left a XXXX review stating the firm has unethical practices.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-11-29
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. (MD)

TransUnion has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (TX)

I reached out to XXXX XXXX XXXX after seeing something on XXXX to inquire about my student loans I am repaying. They claimed to be part of the Department of Education and told me they could help to lower my payments by enrolling me in a payment based repayment plan. I ended up qualifying for a {$0.00} payment but I would owe {$39.00} for the service of the program monthly. What I now know is they are charging for a service that is free. They have a company called Equitable Acceptance that charges my account every month. I only became aware of this because when I went to renew this year I was sent to the Department of Education website to basically recertify myself. They do it charge any service fees and can help you do everything. These companies are pretending to help people and even at a low rate, the amount adds up over years and per clients. 
I have tried to resolve this issue using my bank. They have put a stop payment on future debits for the {$39.00}. However, they are not able to reverse XXXX of the charges. I have also changed all of my Department of Education login information so these companies have no access to my things.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/16 Balance : {$0.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX of XXXX, XXXX purchased my student loans from XXXX. XXXX updated the information on XXXX and XXXX Credit Bureaus, but not Experian. As a result, it incorrectly shows that I owe both XXXX and XXXX for student loans. However, the XXXX balance should be {$0.00}. I have contacted Experian, XXXX, and XXXX. Each organization is blaming the other. Experian, despite me submitting evidence that the account balance is {$0.00}, says that it's up to XXXX to update the correct balance. XXXX blames XXXX for not reporting that it paid the account off. XXXX says that XXXX is responsible for updating the account balance. XXXX and XXXX both agree that the account balance is {$0.00}, but refuse to report it correctly to Experian.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681