davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (PA)

These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Consumer complaint received 2022-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (GA)

I bought a car from Carvana and the delivery date was XX/XX/22. The day before I verified with Carvana all documents needed and the check. I stayed at the bank and upload pictures of the check and asked was everything correct. I was quoted {$28000.00} by caravana for the purchase of the car. My bank then issued a check for that amount on XX/XX/22. The representative of Carvana confirmed my check was uploaded into the system and everything was correct and nothing else required except on the day of delivery which was the next day to provide the physical check and sign off. The tech delivered my vehicle to my house on XX/XX/22. I test drove, signed the paperwork and provided the physical check. I then went back inside my home and continue to work. I notice the tech didnt leave after a whole abs then called me saying the check was an overpayment for the purchase amount, that they would need to take the car back and I would need to go get another check. That was traumatic especially given I had already sold my old car and was leaving out of town the next morning. It got escalated and I talked to an advocate and the resolution after about 30 minutes on the phone was that they would refund me the difference of {$1000.00} and would call back with the timeframe and more information regarding the refund. I did not get a call back. Talked to several representative and chatted and was told XXXX business days. That went and again talked to several people and we are now at 6 weeks and still no check sent to my bank ( verified XX/XX/22 ). The resolution executive at Carvana is no longer answering me my reply and each person she calling in tells a different story and that there isnt a supervisor available. I just want my refund and theyve had ample time to resolve the issue and havent. Talked to Carvana again on XX/XX/22 and the checked was mailed via regular mail through USPS on XX/XX/XXXX and it us XXXX over the 15 business days and still no check nor can they track it or provide any other information.

It is approaching the 2 month mark since I bought my car and have been trying by to get my refund from them. Originally was told it would be overnighted so why it was sent supposedly regular mail and no way to track it doesnt make sense.
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX  % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-05-25
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. (MO)

After doing a forensic investigation and analysis on the three NCRA 's investigation, the three NCRA 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the XXXX XXXX format. I believe XXXX, XXXX, and Equifax use a system called XXXX to handle investigations. I have asked the NCRA 's to not rely on this system because it is not 100 % accurate and it is not fair. On XX/XX/2022 I spoke with XXXX 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that XXXX is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .XXXX XXXX XXXX 

Attachments included. 
Legal action has been taken against the three NCRA 's for noncompliance and damages.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Certified Mail # XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I trust this message finds you in good health and spirits. 
I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer. 
In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately. 
I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented. 
Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After doing a forensic investigation and analysis on the three NCRA 's investigation, the three NCRA 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the XXXX XXXX format. I believe XXXX, Transunion, and XXXX use a system called E-Oscar to handle investigations. I have asked the NCRA 's to not rely on this system because it is not 100 % accurate and it is not fair. On XX/XX/2022 I spoke with XXXX 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that XXXX is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .XXXX XXXX XXXX 

Attachments included. 

Legal action has been taken against the three NCRA 's for noncompliance and damages.
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2019, I filed a complaint against PayPal, XXXX, incredibly I received a response from Synchrony bank, which did not address the issue at all. The response from Synchrony simply gave me a history lesson, thank you for telling me what I already knew. 
SO LET 'S DO THIS AGAIN and I will word my complaint differently so there is NO confusion. 
PayPal ( not Synchrony Bank ) targeted and solicited me to open a PayPal line of credit. Promising zero interest and 6 months or more to pay for items over {$99.00}. 
I APPLIED ; and was approved my credit score was XXXX. 
The line of credit is now attached to my PayPal account. However PAYPAL, not Synchrony Bank, does not allow me to use the line of credit as an OPTION for any purchases at all. I have made a dozen attempts over the last 2 weeks, from {$40.00} to {$700.00} each and every time with a merchant that accepts PayPal Line of Credit. BUT, PayPal does not give me an OPTION to use the line of credit I was approved for by Synchrony Bank. I will provide screenshots of my attempts and you will see the OPTION to use the PayPal line of credit is NOT available for me. I have made at least 9 inquiries and every time get the identical standard auto response. I have done nothing to break any agreement because I have not had a chance to use the line of Credit. PayPal has not asked for an additional information of provided a valid reason why I can not use my line of credit, This is FRAUD by PayPal and I have been harmed. 
In Summary again to make sure whoever reads this understands. 
1. PayPal solicited me to apply for a line of credit 2. I applied and was approved through Synchrony Bank 3. My line of credit was attached to my PayPal account 4. I get solicitation every day from PayPal to use my line of credit 5. I have made over 9 attempts to use my line of credit with merchants who accept PayPal but PAYPAL refuses to allow me to use the Line of credit for anything. Paypal simply has blocked my account for access to my PayPal line of credit. 
THIS IS A EASY CLASS ACTION as PayPal misleads every single consumer. What PayPal really does is make a credit decision against each consumer for each purchase attempt using the Paypal line of credit. If I knew this is why PayPal really did I never would have applied and gone through this XXXX. 
Any XXXX search will reveal the thousands of identical complaints. 
****Lastly, I do NOT want and do not authorize and phone calls from PayPal in their response. I want all communication in writing to make sure both sides have an accurate record.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (GA)

Cash app has taken money from others stating there was a system glitch and money from a transaction was credited back in error and to reference my statement. Well when the statement dropped there was no credit. They essentially stole {$100.00} from me with no proof to support it. 

Date money taken : XX/XX/23 For a transaction they say dated XX/XX/23 {$75.00} {$24.00} XXXX Statement attached showing no credit back of those amounts
Consumer complaint received 2022-05-25
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account XXXX : XXXX
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (IN)

I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my XXXX account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX Management services Incorporated NCB sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear XXXX contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.
Consumer complaint received 2019-10-16
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 — Problem with personal statement of dispute
Company: World Acceptance Corporation (WI)

XX/XX/XXXX, XXXX XXXX XXXX, XXXX World Finance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IA)

I was paid Wednesday XXXX bucks and used XXXX and went today and it was only XXXX in my account. They saying there was a technical problem on their end for whole month of XXXX. Said it barley got fixed. I was charged every time I paid for the transaction.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DataMax Corporation (NC)

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Consumer complaint received 2019-06-19
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: EQUIFAX, INC. (CA)

FOR THE PAST 3 MONTHS I HAVE BEEN REPORTING TO EQUIFAX THAT THERE IS A FRAUDULENT ITEM ON MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT AND THEY REFUSE TO HELP ME. I HAVE BEEN CALLING AND FAXING INFORMATION TO THEM, THE SAME FRAUDULENT ACCOUNT WAS REMOVED FROM THE OTHER 2 BUREAUS. I DON 'S UNDERSTAND WHY EQUIFAX IS NOT ABLE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (ID)

I am missing money from my cash app account with no transaction history to justify transactions. I received a direct deposit of XXXX last night, spent XXXX for rent, XXXX for XXXX XXXX and transferred XXXX to my savings. That should leave me with about XXXX in my checking and not XXXX. When I contacted cash app the response was " Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/XXXX  and XX/XX/2023 impacted one or more of your Cash Card transactions.During that time, merchants that you used your Cash Card with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance.The balance you're seeing now reflects the amount we deducted to recover these funds and successfully complete the payment ''. How ever they are not able to provide me with which transaction or merchantts experienced the issue and what dates would have actually been affected. The transaction history they show is false as it does not reflect this " issue '' they describe, which is inaccurate financial records and reporting. If there was an issue with payments they should be able to provide the exact dates, times, and merchants that experienced the issue, and they should reflect transaction history to show such errors. Financial institutions should be reporting accurate history involving any transactions and updated errors.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (CA)

I have a credit card with Upgrade. I received an email from them on XX/XX/2023 stating that my payment did not go through and they would attempt again in 4 days ; I did not need to do anything ' ( see attachment 1 ). I had set up a checking account with Upgrade with a direct deposit that was enough to cover the payment to make the payments. So I called immediately and was told it was an error on their end and it would be taken care of. I received a second email later that day ( see attachment 2 ) stating 'Your automatic payments have been XXXX due to your delinquency exceeding 75 days past due. Any future scheduled automatic payments have been XXXX. ' I had no idea my account was past due ; the person I spoke with earlier said nothing about it so I called again and was told it was a billing error on their end and it would be taken care of in 2-3 business days.

I watched my account and emails closely. Now there was a message on the app that stated 'Your account is currently ineligible for new draws. Please refer to our email communication for more information '. Once again I was told the error was on their end and it would be taken care of in 2-3 business days. This went on for several weeks ; every time I called I was told the issue would be taken care of in 2-3 business days. Finally, I closed the checking account and put all the money to the credit card. I then found out that card was not able to be used because Upgrade checked my credit score and said the card could not be used because of my score. I then found out that Upgrade filled a notice with the credit bureau that my payment was past due by {$6.00} ( no one told me when I called and it was not mentioned in any emails ) and that notice by Upgrade LOWERED by credit score by more than 20 points. And they used the lower credit score ( which they caused to happen ) to discontinue use of my credit card.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is erroneously reporting an account as delinquent to my credit report in an effort to cheat me out of money. This account was paid in full and never late. Please see the enclosed documents. 

BANK OF AMERICA XXXX not mine