davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card & open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Carvana Group, LLC (IL)

my partner and i bought a car on XX/XX/XXXX because carvana offered a car by XX/XX/XXXX if i purchased now. i needed a car an thought the cost was too high for a XXXX XXXX at total around {$17000.00} or about that. this was after the loan, taxes, and everything, my partner has no credit issues but hasn't built any so we wanted to finance a car to build them some, so we agreed to the 9.2 % even though it was high. the terms of the sale told us to insure the car and upload the documents buyers valid license. we sent in every document and the car delivery was set for XX/XX/XXXX. On XX/XX/XXXX our carvana account asked me to resign the document and pick a date from XX/XX/XXXX and on for delivery, for 3 days i called and argued that there were violations to laws being made, we need the car and i wont accept it after XX/XX/XXXX, finally by the XXXX they said it would come XX/XX/XXXX at XXXX, this day my number went straight to management who told me verbally that there were no changes to my contract and said it had to be resigned because of the delivery date. when i looked at my contract it had said my interest rates were now 26.194 %. they refused to change the contract so i wont sign it. im contacting you to help consumer protection. the state of illinois is also being cheated out of taxes because carvana doesn't properly register cars, i've seen endless people claim titles are missing and lost meaning the state want paid but people were charged.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I arrived home today, XX/XX/2022, to a Bank of America letter which had new account information and a new debit card that I had to activate. I have never stepped foot in a Bank of America, and as a result, never opened an account with them. I called Bank of America, and after XXXX and XXXX hours of being on hold repeatedly, being hung up on, and being on hold again, I finally spoke with a person who closed the account and alerted their fraud department. She then gave me the information to alert the credit bureaus, the XXXX XXXX, and identitytheft.gov. Also, the account was only opened in my First and Maiden Name. I have not used only those two names in years. I always use my hyphenated last name, which is my maiden and married name. 
( I wrote notes all over the bank information that is scanned. )
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This debt was sold from XXXX  XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

Coinbase deactivated an account just as bitcoin prices jumped. Seems like more than a coincidence. I could not buy or sell and 4 days later still ca n't buy or sell. Terrible customer support. No way to contact them directly.
Consumer complaint received 2022-01-18
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: Verisk Analytics Inc (NJ)

On XX/XX/22, I contacted Lundquist Consulting Inc. ( LCI ) requesting a copy of my consumer report. The reason is because they are sharing false information to XXXX about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. 

Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. 

I have proof from another data furnisher showing the bankruptcy is not on my report.
Consumer complaint received 2022-01-18
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. (NY)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, XXXX XXXX
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

I was signed up for auto payment with Uber credit card by Barclays. They are supposed to automatically withdraw my payment every month. They turned off the autopay without telling me. I paid in full one day late. When I chatted with them, they assumed responsibly, telling me they had a computer problem and turned off the autopay for everyone. I asked them to remove the {$29.00} late fee. They said it would be removed when my payment posted. My payment posted and its still there. Ill probably get it removed, afte a hassle but how many millions in bogus fees has this glitch earned the company? Someone should protect consumers from fraud like this.
Consumer complaint received 2021-09-25
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. (VA)

Dear CFPB, I disputed 2 times from Experian Bureau to dispute incorrect information from my credit report but they failed to investigate and didn't delete inaccurate accounts from my credit report and showed that they completed the investigation and the accounts will be remaining in your credit report. In the disputed notice, I showed to Experian that Under Fair Credit Reporting Act ( 15 U.S.C. 1681i ) 611 ( 5 ) ( a ) ( i ) after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete those items of information from the file of the consumer, or modify those items of information, as appropriate, based on the results of the investigation.

But after reinvestigation, they didn't verify those accounts and showed that they completed their investigation and those accounts will be remained in your credit report and violated FCRA. So I want to report to CFPB that Experian Bureau did fraud by not deleting those accounts which showing in my credit report as unknown. I sent dispute letters to Experian to validate or verify those accounts by showing some documents with my signatures but they failed to verify and didn't delete those from my credit report and violated FTC or FCRA. 

Thank You, XXXX XXXX
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (OH)

XX/XX/2020 Without warning, FNB of Omaha cancelled my credit card. They sent me a letter AFTER they had cancelled it, confirming that they did indeed have my correct address on file.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (SC)

I had purchased a new Ford truck and financed with Ford Motor credit. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into Ford. The balance after the sale was {$9700.00}. I was unable to pay the balance. Ford hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. For continued to add late pay on my credit every month because of the balance. On XXXX XXXX I called Ford to question why the monthly remarks continued since all credit reports the account was closed. Ford advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 months
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2019, XXXX XXXX came and purchased my couch for {$100.00}. She paid me through paypal. 10 days later she disputed the transaction through her Visa debit card that she did not receive the couch. The bank opened a dispute with Paypal and the {$100.00} was taken out of my Paypal account. 

I have videos and proof that she took my couch. XXXX is not denying it and sent me a letter from her bank, XXXX XXXX XXXX XXXX that she lost the case. Paypal decided on my end that they are saying it was decided in the buyer 's favor ( XXXX XXXX ), but neither her nor I have the {$100.00}. Paypal also charged me a {$20.00} chargeback fee.

This is such a scam and fraud of Paypal. 

I have attached a letter that was sent to XXXX proving that she lost and that I won. Paypal is saying that I lost because I didn't have seller protection. I don't need seller protection when I have proof that the bank sided with me in my favor.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (SC)

XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. 

XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

After purchasing a vanilla gift card on XXXX XXXX XXXX XXXX XXXX XXXX  for {$200.00} at XXXX upon open the sealed package I discovered that the numbers on the card were deliberately scratched off making the card useless. I went back to XXXX and showed the XXXX the defective card I just bought, he tried to run the card through a card machine and that didn't work either. He then tells me there is nothing else he can do and can't refund me or replace the card. They sold me a defective card and now they don't want to give my money back. I called the number on the back but they asked me for my birth date and a copy of my XXXX amongst other info, I was not comfortable with that, so here I am.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/20 I received an alert on my credit file that a collection was added. I have no knowledge of who the creditor is, the amount owed, I never received any statements, I have no contract, Midland Credit has never sent anything to me and my current address of 10 years and I have no known knowledge of this matter. I found the account number on the negative listing on my credit report ... The only way I saw how to contact is it being listed on my credit file. I am requesting that they immediately delete and clear up this matter and remove and negative from all 3 credit bureaus immediately. 

I did mention in my letter attached that this could be very well another part of my identity theft where my social security was compromised and I have been dealing with this for over a year to clean up the anguish caused. So now this!!!! 

I have also provided the Federal Trade Commission Affidavit number for my identity theft
Consumer complaint received 2022-12-05
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. (TX)

This Company is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA, as a federally protected consumer. I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2019-05-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (FL)

My complaint is against XXXX XXXX XXXX XXXX ( Celink ). 
The company has failed to forward a disbursement request of {$43000.00} made by my mother from her Reverse Mortgage HECM Home Equity Account before she died. 

Full Complaint is listed at CFPB complaint # XXXX Please update the company name to XXXX XXXX XXXX XXXX + Celink