davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (IL)

On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Consumer complaint received 2020-09-25
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. (IL)

TransUnion and XXXX are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX The account was paid in full {$85.00} on XX/XX/2019. As of XX/XX/2019 they show that the account was closed as a charge off not paid in full. This is hurting my credit. They told me it would show up as a paid in full account. Paid by Bank card. Have bank statement if needed. Want account to show paid in full not a charge off
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX, I made a purchase of {$21000.00} on my Chase Sapphire card. My statement closed on XX/XX/XXXX. While I did not pay off the balance in full, I did repay the {$21000.00} on XX/XX/XXXX, leaving me with a balance that was probably around {$5000.00}. According to the terms printed on my statement ( line 3 of the statement excerpt below ), I have a 21-day period from the statement close in which to repay any portion of a purchase with no interest. Because I did repay a portion of the bill during the interest free period, I should not have been charged interest on the {$21000.00} ; however, I was charged interest for the full balance for the 12 days it was on my card. I spent about an hour speaking with two different customer services agents, one of whom was a supervisor who told me that it would probably be pointless to escalate further because the company would not refund the interest charges, which they view as correct.
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Page 2 of my statement : How to Avoid Paying Interest on Purchases : Your due date will be a minimum of 21 days after the close of each billing cycle. If you pay your account in full each billing period by the date and time due, no interest in charged on new purchases month to month. Also, we will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest-free period. Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until your account is paid in full. Because we apply payments in excess of you minimum payment first to higher rate balances, you pay not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance in full each month.
Consumer complaint received 2022-05-26
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. (TX)

I looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX  im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

1

5 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Dept of Education XX/XX/2013 Balance is {$0.00} Highest balance is {$4100.00} Shows 120-149 days late on the report, but this account is paid in full and closed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (OH)

Since the month of XXXX, the company Sequim Asset Solutions, address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, has been making constant calls to me, sending me correspondence, inquiring into my credit and social security information, charging the amount of {$190.00} under the Reference number XXXX. This has affected my credit history and they send me an alert that a fraud page is inquiring into my credit. I was investigating on the Internet and this company, which I have no knowledge of, is dedicated to committing fraud with people by collecting money and inquiring into people 's credit. I need action to be taken on this matter and this company to be removed from my credit. They have even offered me % XXXX and % XXXX to lower that amount and make me pay a debt that I am not aware of. Please carry out the necessary investigation to resolve this fraud.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

My Wayfair credit card has been frozen for more than 2 months. No one can help. I dont even know the reason. Every time I check in, I cant talk to the customer service department at the phone number on the back of the card. Instead, Im transferred to a Wayfairs. In other departments, I even asked them to transfer to the customer service department, but every time it was blocked, and strangely they asked me to explain why I need to transfer to the customer service department, and it is necessary. The last time I even deceived me and the translator and put me and the translator on the line for about 20 minutes, knowing that the translator asked me to call again because there was no answer for too long. Every time I call in, I am only told that I need my personally identifiable information. This is to protect my account. I will receive a phone call or text message from the bank within 24 to 48 hours, or the bank will send a letter It may take 7 to 10 days to contact me. However, I have been waiting for more than 2 months without any news.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/21 received text said FreeMsg CHASE BANK FraudDid you attempt a {$1000.00} $ XXXX YES or NO Case XXXX Top Opt out reply STOP I texted back NO FreeMsg : CHASE fraudDept THANKS! We will be contacting you shortly. 

They withdrew {$500.00} then {$400.00} through XXXX while I was on the phone with them he called me. 

I've contacted Chase Bank approx 10 times and have spoken to many managers. They say as it's XXXX they can not return funds to me. The claim has been denied two times. today they said they are putting it through 'third time as a courtesy ' but I said what's the point you are just going to decline me. It's XXXX this is my money to buy my kids gifts. 

I showed them the text and phone numbers of phone call origination, proof that I called the number back, then called XXXX after I found out I was tricked.
Consumer complaint received 2019-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (IN)

i was called from a gentleman who claimed he was with a lending company called speedy cash ( legit company i found out but the gentleman who called me was not from that company ) he in dicated that he needed to put into my checking account a mobile check to which i returned the same amount of money ) i new about paper checks but not mobile : I guess when these predators catch u in a vunerable time, anything can happy the person kept answering my questions with hesitation. When i called after finding out the check was bogus and i was out the money, everytime i called i got " XXXX XXXX '' and he kept telling me he would contact the bank ( lies ) and the last time he even had the audacty to ask me to open a new account with a XXXX XXXX and i cut him off immediately. I have filed a police report and the account at XXXX XXXX  has been frozen
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

I have been trying to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.
Consumer complaint received 2023-04-18
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. (KS)

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXXXXXX XXXX XXXXXXXX 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 or 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.

I have never missed a payment with this alleged creditor and it states that the 5 ( five ) payments reflecting a collection stemmed from them " not being able to locate the consumer '', however, I have been at the same address since 1998 with no other residences or domiciles. They continued payment after this alleged misplacement and were collecting without dishonor beforehand. There is no justifiable reason that they lost my place of residence to deliver/receive payment, and this inaccurate reporting has damaged my credit report and potential lending. Please resolve.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

XXXX called from XXXX XXXX this afternoon. He needed to identify me. He asked for my Mothers maiden name which I then gave him. He then asked my birthday which I then gave him. Incredibly, he asked my age!!!!!!! I repeated my birthday! Again he asked my age. Again I gave my birthday. Again he asked age! The XXXX question I have ever heard! Total incompetence! What kind of company is this? I hung up!
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, 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
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KS)

The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

Not a duplicate compliant. The issue is not resolved. 

XXXX XXXX The company failed to actually resolve my disputes. I have a new one that has proof from a government official but PNC refuses to process my refund.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A. (TX)

XXXX submitted 401k packet solidifing acct held with citibank since employment term back in XXXX By XXXXdocuments were recieved via fax to withdraw 401k ( Documents sent via fax 2xs ) ( Documents emailed XXXX xs ) As of XXXX-additional paperwrk received ( originally submitted but then advised not needed then requested then adv it was received originally but back dated to XXXX when originally sent billed for that cycle had claim been worked effentially wouldnt be outdated then being advised different things 2-3 different occasions from managers ) From XXXX to XXXX nothing has been done in regards to my request to process closure for my 401k. Citibank knows we can not go into the office there fore they are conducting a long strenuous process to make it difficult for holders to close accounts. When i called today during business hours they had my number routed to a vm indicating call back during business hours i call checking citi they transf me over i get put on hold for a rep who never returns citibank is definitely a fraud and i want to know my legal options
Consumer complaint received 2024-03-12
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. (TX)

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.