davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NV)

I have been waiting for well over two months for my license plate and registration to arrive in the mail. I have spent hours on the phone with Carvana and contacted them through several social media sites to try and get information on where my paperwork is and not a single employee has been able to give me information or a time frame. I was told that their 3rd party vendor had sent my paperwork to the DMV XX/XX/XXXX and yet I have called the DMV several times and they have never received any paperwork from them. Last call to the DMV was XX/XX/XXXX. I was also told by the DMV that they are not allowed to give out temporary license plates from a different state and both temporary license plates I've received have been from XXXX XXXX XXXX. When I fi rst bought my car I was told I would receive my plates in 30 to 45 days. It has now been well over 65 days and there is no estimate on when I will receive them. People have been waiting for over 6 months and it is completely unacceptable.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I had got hacked through my checking account and was hacked for {$4500.00} and {$5000.00} XXXX submitted a fraud to Wells Fargo which they denied me to pay me back then I did the escalated claim and they still denied pay me back even though it was not my fault this is ridiculous and should not be stand for. Wells Fargo has the little to help they seem they dont care at all.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EMCC Holdings, LLC (MO)

I noticed this account on my credit report and I did not recognized the debt. Under account type the debt is listed as mortgage however I have never purchased a property. I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. The amount listed on the credit report is for a total of {$3400.00} also listing a past due amount of {$740.00}. I have no idea what this debt is, who's this debt is as I have never had anything remotely close to this.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a business credit card. It should not be reporting to my personal credit report. I have requested they stop reporting business debt onto my personal credit, which is impacting my scores and hurting my chances to obtain other financing.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

Since XXXX, XXXX XXXX has illegally submitted charges to my Discover card for services NEVER requested nor rendered. 
Every year, I have supplied proof to Discover Card that XXXX XXXX is illegally charging my account. I have supplied : 1. an email from XXXX XXXX that states I do not have an active account with XXXX XXXX  2. XXXX from XXXX XXXX website showing I have no active accounts 3. A statement PROHIBITING Discover card to authorize any charges from XXXX. 

I fought for XXXX YEARS with Discover card AND XXXX XXXX. 

Exasperated by this nonsense, I paid my account to $ ) and CLOSED my Discover card. 

While the XXXX transactions were in dispute, XXXX finally reimbursed me for the past XXXX years but NOT for XXXX - because those 2 transactions ( 2x {$290.00} = {$590.00} ) were still in dispute. 

Immediately Discover card my online account access and did NOT inform me of any additional charges after I XXXX XXXX out my account, AND they put these charges onto my account without any way of informing me. They claim to have sent a letter that they claim was returned ( they have my correct address for YEARS ). They have reported me as delinquent on my credit report for a charge they never informed me I owe!
Consumer complaint received 2021-11-23
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I have been a satisfied customer with Credit Acceptance at XXXX XXXX XXXX XXXX, MI. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year due to XXXX. I lost my job & burnt through my savings on bills. Then recently Hurricane Ida destroyed my home & that was another loss, since I been trying to get approved for a mortgage but being denied due to my credit score. I was over a month late with a payment ( XXXX ) resulting in a late payment on my credit reports & negatively affecting my scores.
Consumer complaint received 2019-12-24
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

Nelnet has failed to provide an original instrument of indebtedness ( Master Documentation ) with my signature from the original creditor of the student loans from which they purchased. 

Nelnet ONLY provided the consolidation promissory note as a loan servicer and NOT the original instrument of indebtedness. 

I need to see the original instrument of indebtedness in its original form to consider this debt valid within 30 days. If not I will consider the debt invalid, null and void.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (SC)

From XX/XX/XXXX to XX/XX/XXXX, I fell behind on my Wells Fargo Home Mortgage, due to a job layoff. In XX/XX/XXXX, I received an offer for a loan modification from the lender. I moved forward with it, and completed the loan modification trial payments in XXXX, XXXX, and XX/XX/XXXX. While making the trial payments, the mortgage servicer continued to report late payments to the CRAs from XX/XX/XXXX through XX/XX/XXXX, except for the month of XX/XX/XXXX, in which no information was reported. I have been informed by the lender that reporting for this month was suppressed. Suppression of reporting for that month causes a break in the string of late payments, which may cause late payments from XXXX to XXXX of XXXX to be reflected on my report until XX/XX/XXXX, instead of falling off at once when the first delinquency in the string reaches 7 years of age on XX/XX/XXXX of XXXX. I have brought this matter to the attention of XXXX  previously. I am in the process of raising this issue with them again, and an investigation is currently ongoing. It seems that the lender has artificially broken the string of late payments by failing to report for the month of XX/XX/XXXX. If reporting was suppressed for XX/XX/XXXX, then it should have been suppressed from XX/XX/XXXX through XXXX of XXXX as well. If XX/XX/XXXX through XX/XX/XXXX are not suppressed, then no suppression should be in place for XX/XX/XXXX. Either way, the reporting should be consistent, instead of a mix that does not accurately reflect the account.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2021-11-23
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXXP XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was initially contacted by XXXX XXXX over XXXX debts from Capital One in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted XXXX XXXX about disputing the validity of these debts and they stopped collecting on XXXX of the debts but the other XXXX they sent me credit card statements showing addresses from California and XXXX XXXX in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

I was foolish and decided to open a checking account with Chase to use as a side account. I set 10 % of my direct deposit to go into the Chase checking account. Apparently for the month of XX/XX/2021, I didnt meat their direct deposit requirement to avoid the monthly maintenance fee, as I was charged {$12.00} on XX/XX/2021 So, on XX/XX/2021, I went into the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw the balance in the account and close it down, as my primary bank has never, ever charged me a fee in the 10+ years Ive been with them! Low and behold, XXXX was left in the account and the account was not closed. I havent used the account since ; however, Chase proceeded to charge a {$12.00} fee in XXXX and a {$12.00} fee in XXXX. So the account was overdrawn {$23.00}. I called Chase customer service today to try to get this taken care of. The first agent I could barely understand. Couple that with the fact I was upset with Chase, I asked for a supervisor. Instead of transferring me to a supervisor, the agent ( I think his name was XXXX XXXX muted his phone and waited XXXX minutes for me to finally hang up. I called back and finally got a supervisor named XXXX, who really wasnt helpful. She refunded XXXX of the fees, but then said I needed to talk to the collections department. I told her I was not wasting anymore of my time, and there was nothing to collect as XXXXm not paying their maintenance fee. At present, the account is STILL open with a negative balance of {$11.00}.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have a problem with American Express and their reward redemption procedures, and I'm sure many of their other cardholders do, too. 

Last month I had an Amex Bill of {$100.00}, with {$110.00} in Amex rewards. I figure I'd call them and have the {$100.00} deducted from my reward account, which would spare me from having to write a check and put a stamp on an envelope. I've done this several times with XXXX card with no problem or hassle. 

But Amex said I had to make a minimum payment of {$40.00}, and they would credit {$65.00} from my account. 

Why? I asked. 

That's what you agreed to when you took out the credit card ( I'm sure it's in the fine print ). 

XXXX lets me take the full balance out of my rewards account, I said. 

" We're not XXXX '', the service rep said, almost with a sneer. 

I concluded the conversation by saying, 'I 'm going to contact my XXXX ' which was met with another almost sneering, 'you 're not the first person to say this '. 

So that's what you should look into : requiring credit card companies to let customers with more than enough rewards in their account to use them to pay off outstanding bills. 

I can very easily write a check for XXXX dollars. But there may be people with pandemic-related financial difficulties who might be hurt by this AmEx policy, which is why you should work to change this.
Consumer complaint received 2021-11-23
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

CFPB, you are allowing this bank to operate with impunity. This is illegal what they are doing! They are the reason why that consumer credit profiles are in the tank. Again, Barclay 's Bank seriously reduces my credit limit on my other card with them. Literally they took my credit limit from {$8900.00} to {$4400.00}. Which was basically what I owed. How can they be allowed to do this? This ruins my debt-to-income ratio and causes my XXXX XXXX to go down. PLEASE DO SOMETHING! FINE THEM! PULL THEIR LICENSE! THEY ARE A HORRIBLE BANK!!!!!!!
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I was initially contacted by Portfolio Recovery over XXXX debts from XXXX XXXX in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted Portfolio Recovery about disputing the validity of these debts and they stopped collecting on one of the debts but the other 2 they sent me credit card statements showing addresses from California and Puerto Rico in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

When I first created my personal PayPal account I had my legal name there before however, I changed it because I want to be anonymous to other people when I'm making a transaction yes I faulted on my part. But on XX/XX/2021, they limited me with no warning at all. They told me that there's is an unusual activity that is taking place on my account. But I just buy groceries and pay people online on Paypal as well. So why warn me now so they can have a reason to hold it for that long. It's like they anticipated this they could have given me a message before about verifying my account but they didn't bother at all. The amount that was kept in my account is {$2700.00}. The last transaction that I made was ordering from XXXX XXXX  using my Paypal on XX/XX/2021. 

I asked them to look at the emails, phone numbers, debit cards, and credit cards I used which are under my legal name also the device logins that I used for the few months as well they could just assure me that was me. But they did not try or assist me I asked if I can change the name of the account so I can verify using the legal documents I owned they said no It is not acceptable. Therefore they rejected my appeal and gave me the 180 days limit from the date of my last received payment. 

Their help and excuse were unacceptable they are not a bank and they do not have the right to hold my money. Any reasonable person would think that holding my entire balance for 180 days is excessive and may be seen by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. ()

My Diners Club card had a positive balance of {$95.00}. During XXXX, XXXX, they removed the {$95.00} from the balance, claiming that a refund of the overbalance will be sent to my mailing address. 

This never happaned. I have been calling customer service about it over and over again, but they had been promising without ever doing anything about it. 

I ama Diners Club card holder since XXXX and this kind of dispute never ever occured, this is why I had waited so long, hoping that the issue can be resolved. 
My current Diners Club card is XXXX, XXXX XXXX XXXX I have been in godd standing since XXXX.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo pre-paid credit card in hopes that I could rebuild my credit score  after XXXX. I deposited the required amount and was promised that after XXXX year I would receive my deposit back and an increased line of credit. That did not happen. The terms of my original agreement changed. I disputed this change with Wells Fargo and was told that my available credit limit ( lower than my deposit and the terms ), was to high to allow me to advance my card to a regular credit card. It took me multiple years to get my pre-paid card to turn into a credit card. Additional problems, fees, and credit reporting problems have occurred. I currently have a high credit score and Wells Fargo was misleading, years after opening this card effected my XXXX XXXX negatively with no missed payments, and overcharged me for interest percentages that were supposed to reduce when I completed the XXXX year of pre-paid and transitioned to actual credit card.
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (GA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. 
They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. 
They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.