davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! When my loan was sold, I called my current provider XXXX and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX had already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. XXXX has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory XXXX  loans.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CA)

Initiated wire transfer XX/XX/2024 to Title company 's escrow account for house closing. On XX/XX/2024 got a phone call from Discover bank to verifit information. Everything 's verified and money was debited. However title company didnt receive the fund. On XX/XX/2024, title company informed me that their has the wire but it is stopped in their compliance department. They have reached out to your sending bank for additional information before they can release the wire to our escrow account. However nothing is being done. My closing day is soon and I need to make sure fund go through as soon as possible. I am not sure what's the hold back is.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2018, I traveled out to the country. Due to certain circumstances, I was there for about 2 years. I came back all of my credit cards were maxed out and loans were taken out in my name. Two incidents involved navy fed. 

Navy Federal loan {$7400.00} Navy federal credit card {$11000.00}
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (GA)

I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX bank and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update my credit
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MD)

Hello, American Credit Acceptance has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but American Credit Acceptance reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an American Acceptance with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
Consumer complaint received 2023-02-14
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. (LA)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (IL)

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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Limit {$400.00} 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 2022-09-05
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX XXXX XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX : {$1000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (CT)

Purchased a vehicle on XXXX XXXX and realized that the car does not have automatic locks and manual roll down windows. On XXXX XXXX XXXX XXXX XXXX, I cancelled the transaction due to this because of safety concerns for myself and my dogs that are frequently in the car with me. I never signed the contact for the vehicle. I contacted carvana about the {$1900.00} shipping fee to see if this could be reimbursed because the car had not shipped yet and told them my concerns about not having automatic locks. They refused to refund the shipping fee because it was over XXXX hours ( it was approx. XXXX hours when I cancelled the purchase ). 

Its difficult to even get in touch with anyone from Carvana ( only received a call after submitting a XXXX  complaint ) - they will only text you generic responses and are unable to speak with a manager to discuss. I am requesting a full refund for the shipping fee. I feel completely scammed and cant believe they are not refunding for a car that never shipped and went immediately back online for sale when the purchase was cancelled. 

Contacted XXXX  by Carvana after requesting a call back on XXXX and missed the call. Was unable to call them back directly on that number. 

Contacted by XXXX XXXX XXXX, ( after submitting a XXXX XXXX XXXX complaint ) via phone ( on a phone number that is not accessible to call the company - XXXX ), and was informed that the shipping charge would not be refunded even though the vehicle did not ship and immediately went back online for sale. He became extremely nasty on the phone ( to the point where I was visibly upset ), and informed me that if I pursued anything against Carvana that it would be a " waste of my time. ''
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

In the last six months, I have had to block 76 numbers from incoming calls from this company. 76 NUMBERS!!! All with different area codes and different prefixes. I have twice told them to stop calling my number and even sent a message via fax and email demanding the calls stop but they haven't.
Consumer complaint received 2021-01-26
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. (TX)

I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2024-01-04
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-02-14
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (TN)

AAFES refused my payment from my bank card and said the only way I could pay would be to drive 375 miles, to the nearest major Army or Air Force base, and make in person payments. When I called them to try to make payments they locked me out of my account and immediately sent it to collections.
Consumer complaint received 2024-01-04
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 2023-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

XXXX/XXXXXXXX Citi Business Checking Account open with {$1000.00} promotion when deposit {$50000.00} under the condition of maintaining for 60 calendar days. 

XX/XX/XXXX Deposit {$50000.00} into the account and kept for 112 calendar days. 

XXXX/XXXXXXXX Called to Citi to open an investigation but never had any response from Citi bank. 

XXXX/XXXXXXXX I visited to Citi Bank and I was told that everything looks good and I'm eligible to receive a bonus of {$1000.00} soon. 

XX/XX//XXXX I visited to Citi Bank again and banker told me that everything looks good but I still haven't received {$1000.00} yet. 

It's been more than 8 months since I opened account but I never received bonus that was supposed to receive.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IA)

I had XXXX  home internet in XXXX iowa XXXX In XXXX of XXXX my wife and I moved to XXXX iowa. XXXX does not have service in XXXX so we had to cancel the account. So I obviously didn't have their service in XX/XX/XXXX. I have disputed this a few times in XXXX XXXX but have not gotten anywhere.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00}
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NC)

Closed on the property at XXXX XXXX XXXX XXXX, XXXX NC XXXX on XX/XX/XXXX. I had to file a complaint with the CFPB because Shellpoint Mortgage Servicing claimed I had unpaid mortgage payments. After filing a complaint against Shellpoint Mortgage Servicing they sent me an email on XX/XX/XXXX stating the loan is paid in full. On XX/XX/XXXX Shellpoint Mortgage Servicing sent a reply letter in regards to the complaint, stating loan is paid in full as of XX/XX/XXXX. Shellpoint Mortgage Servicing sent a Letter of Satisfaction and Deed of Trust from the local County Register. On XX/XX/XXXX I received an Escrow Refund in the amount of {$1500.00}. I deposited the check into my personal account on XX/XX/XXXX. XX/XX/XXXX my personal bank mailed me a letter stating the item I deposited on XX/XX/XXXX was returned marked " Not Authorized '' and I was charged a {$5.00} return check fee. Also they included a IRD substitute check. On XX/XX/XXXX I contacted Shellpoint Mortgage Servicing and a representative stated that the Escrow Refund was sent out but on XXXX the XXXX they found that the payoff was short and voided the Escrow Refund check.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information.

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only XXXX name ( XXXX XXXX ), XXXX address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), XXXX phone number ( XXXX ) and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I completely paid off and closed my XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX account. It is still showing up as three separate accounts on my credit. Two of the accounts say they have been paid and closed with {$0.00} owed. Today ( XX/XX/22 ) I checked my credit & it decreased XXXX points due to inaccurate reporting from XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX saying I owed a total of {$5300.00}. I have documentation to show proof of innacurate information. Reporting information that is inaccurate or not reported correctly violates the Fair Credit Reporting Act. It has led to financial injury and mental distress. I have contacted them almost 5 times without receiving any type of resolution or remedy for these violations.