davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (CA)

Since obtaining the loan, I have had issues with payments being correctly applied to my account. I have received a check in a very small amount from overpayment ; however, since filing for bankruptcy in 2021, I have had my car repossessed twice and receive no communication from Wells Fargo. There has also been damages to the property as a result of the repossessions ; however, when reported, the office of the president refused to investigate. While in this loan, I have had to fight many late fees of which were not appropriate or due to circumstances that were not of my fault and I also believe that I have been overcharged in interest fees and payments not appropriately applied to principal balances. Both times my car was repossessed I was told by a representative that once my payment is over 80 days past due it goes to repossession ; however, now my loan is in charge off status and I am now being told that they will reposes and there is no time frame for repossessions as long as the payment is past due even 30 days, I am at risk of repossession. This is per representative XXXX XXXX.
Consumer complaint received 2020-07-28
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. (CA)

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I sent a completed loan modification and assumption packet on XX/XX/XXXX via fax after several other attempts to get them the documents. They did not approve it until XX/XX/XXXX despite having all the information. I had to go into forbearance when my job got canceled due to COVID, and my alimony stopped. I have to assume the loan or refinance as part of my marriage settlement agreement. I have a past due balance of approximately {$49000.00}. I have paid on my home XXXX, and put my pension down on my home, so my equity is important to me. Because of the delay I was not able to receive a better interest rate and it cause the amount of my forbearance to be higher. The loan modification placed the forbearance amount in a second lien on my home. I called Penny Mac to make them aware that I qualify for PHAP and that I received communication that I would receive funding in a couple weeks to pay off whatever I couldn't pay due to forbearance. I called Penny MAC on several occasions to make them aware of this. If they put the funds into the second lien it will not show up that I have a past due balance and the grant will not pay. Penny MAC doesn't seem to care. Can you please help.
Consumer complaint received 2022-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the Fair Credit Reporting Act Capital One Auto Finance - Account XXXX, has violated my rights. ~ 15 USC 1681 Section 602 states I have the right to privacy. ~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. ~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-28
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. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : 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 XXXXI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CA)

I leased a XXXX XXXX XXXX through XXXX XXXX. The lease was financed through Chase Auto Finance. It was a 36 month lease but the dealer offered me an early lease termination deal and I ended up leasing a XXXX XXXX XXXX and again financed the lease through Chase Auto Finance. I returned the XXXX XXXX to the dealer on XX/XX/XXXX, made my last payment on XX/XX/XXXX in the amount of {$310.00} ( dealer advice to make this extra payment just in case ), Chase received the payoff from XXXX XXXX in the amount of XXXX on XX/XX/XXXX and sent me a balance of {$280.00} on XX/XX/XXXX. I called Chase to ask for an end of lease bill to see why I was charged {$28.00}. A CSR took my request and asked me to wait for a letter from Chase. On XX/XX/XXXX, I received a letter from Chase, but did not contain any itemization of the end of lease charges. Instead, the letter provided a number to call which I did. The person on the other end could not provide any information and transferred me to another department. The person I spoke to said they could not see any explanation on the final charge and suggested that I should call back after 60 days. This is the most ridiculous customer service I have ever received. For no explanation whatsoever, Chase just took {$28.00} from me, and I don't know how many people were in the same situation but did not bother to call to find out why. This is a very irresponsible and abusive lending practice and should be stopped before more customers are taken advantage of.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (NY)

I was scammed by someone posing as a XXXX worker offering me a job opportunity. What happened was a check was sent to me containing {$3500.00}, XX/XX/XXXX I deposited it using my XXXX  mobile app and a few hours later, the funds were available to me. The scammer then had me send {$3000.00} of the funds to a " foster home '' through zelle and XXXX using bitcoin. {$2000.00} went to Zelle, and {$1000.00} went to XXXX. Then the check ended up being fraudulent, so the money was returned, resulting in my account having a value of - {$3000.00}. I contacted my bank and met with a representative, who then froze my account and told me to wait for 7-30 days so they can try to get the money back from XXXX. However, they stated that they can't take any action against getting money back from Zelle. I would likely need to pay it off myself once they unfreeze my account.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (PA)

Complainant Information : Subject of Complaint : Loan Company XXXX XXXX Dealer : Carvana Nature of Complaint : 1. Lack of Disclosure of Arbitration Clause : The arbitration clause in the car loan contract provided by XXXX was not explained to me at the time of signing. 
I was not informed that I had the right to opt-out or decline the arbitration clause. 
This lack of disclosure and explanation violates my rights under the Truth in Lending Act ( TILA ).

2. Misrepresentation and Deceptive Practices : Carvana, acting as the intermediary, did not provide clear information regarding the arbitration clause in the loan agreement.

Carvana did not inform me about significant terms and conditions of the loan, including my rights related to arbitration. 

Detailed Description of Events : On XX/XX/year>, I purchased a vehicle from Carvana and entered into a financing agreement with XXXX. 
During the process, Carvana presented me with the loan documents from XXXX. 
At no point was the arbitration clause in the loan agreement explained to me, nor was I informed that I had the right to opt-out or decline it. 
Upon reviewing the documents later, I discovered the arbitration clause and realized that I had not been properly informed about it. 
I contacted XXXX and Carvana to address the issue, but they refused to remedy the situation or provide a satisfactory explanation. 

Violations : Truth in Lending Act ( TILA ) : Failure to provide clear and conspicuous disclosure of the arbitration clause. 
Unfair and Deceptive Acts and Practices ( UDAP ) Laws : Misrepresentation and lack of proper disclosure by Carvana. 

Desired Resolution : I request that the CFPB investigate these practices and ensure that both XXXX and Carvana comply with all applicable laws regarding clear and transparent disclosure of loan terms. 
I seek the removal or invalidation of the arbitration clause from my loan agreement. 
I request compensation for any damages incurred due to these violations. 
I request that measures be taken to prevent such practices from affecting other consumers in the future. 

Supporting Documents : A copy of the loan agreement with XXXX, including the arbitration clause. 
Any communication records with Carvana and XXXX regarding this issue. 

Declaration : I declare that the information provided in this complaint is true and accurate to the best of my knowledge. 

Signature : XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NJ)

Village Capital is giving me the run around about my escrow refund check. Pay in full date was XXXX and its passed the 20 day mandatory day to have escrow refund balance delivered. 

Im getting lied to be reps or giving misinformation. 1 is telling me the check was sent XX/XX/16, the other is telling me it was removed from my escrow on XX/XX/16 only and a check wasnt sent yet. 

I keep trying to get a supervisor or someone else to speak to but every time I call for help I get the same person ( XXXX ) who is rude and does not help me at all to even attempt to track down the XXXX they owe me.
Consumer complaint received 2018-05-08
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: STATE FARM BANK, FSB (GA)

I have been dealing with this issue with XXXX  since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX  Account # : XXXX 2. STATE FARM BANK Account # : XXXX
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

This is the second time I'm filing a complaint and next time I'll file a lawsuit or get the NY DA to subpoena Citi. I was working with XXXX XXXX at the executive office to get Citi to release my funds which were stolen from me in the form of cashier 's checks by a Citi customer. Citi has ignored my request despite calling in multiple times and getting passed around to different representatives.
Consumer complaint received 2020-07-28
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. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage was put into a disaster forbearance plan in XX/XX/XXXX from Hurricane Irma. At the end of the six month forbearance ( XX/XX/XXXX ) i was offered and accepted a loan modification with trial payments that put the six months from the forbearance onto the end of the loan. On or about XX/XX/XXXX, my mortgage lender SLS, reported me 180 days delinquent. Those so called delinquent payments were added to the end of the loan and thus cant be delinquent. I have tried numerous times to explain with numerous letters and phone calls but to avail. I had four other mortgage lenders gave me the same disaster assistance with the payments added to the end of the loan, and none reported late ever. SLS is acting with a complete disregard for the consumer. Inflicting even more damage now than was caused already by the storm.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MT)

On XX/XX/2020 I submitted a request to purchase bitcoin in the amount of {$1400.00}, via Coinbase.com, which company is the subject of this complaint, with the funding coming from my XXXX  Savings account via ACH. 

Due to an error on my end, I accidentally had emptied that savings account, thinking Coinbase was drawing from the checking account that I maintain with XXXX  that was well-funded. Alas, Coinbase let me know of my error, saying that the ACH transfer failed. I checked XXXX, realized the problem, noted the {$35.00} fee that XXXX charged me for a failed ACH ( such is life ), moved money back into the savings account that more than covered the funding, and retried the transaction via Coinbase on XX/XX/XXXX. 

On XX/XX/XXXX, the ACH was processed and the funds moved from my savings account. 

Notably, feeling bullish on Bitcoin, as well on XX/XX/XXXX, I submitted ANOTHER separate transaction to Coinbase, withdrawing another {$1500.00} from that same XXXX savings account. That ACH was debited from my savings account on XX/XX/XXXX. 

Today, that second transaction has cleared and is available on my Coinbase account.

However, the original {$1400.00} is still unavailable, and still says I must wait 5 days to have access to it -- even though a transaction submitted a day later is already cleared, and the 5 days doesn't ever go down.

I've tried contacting support but Coinbase only has robots reading emails and sending back canned responses. They do not have real humans operating their support system, it seems -- they have no phone number, no email address, and their only contact form is a byzantine mess that is OBVIOUSLY created to ensure as few possible actual support requests from real customers get through as possible. You have to answer a bunch of questions just to get to the form, then they require precise, detailed data that they could easily look up themselves -- e.g., I need to provide the date of the transaction, the transaction ref #, my country of origin, the exact transaction amount, the transaction date, THE LAST 4 DIGITS OF THE BANK ACCOUNT USED, and other details, which details are all already in Coinbase 's computer systems. If you get any of these details even somewhat wrong, you are unable to submit the form. 

This is clearly anti-customer, anti-consumer, and possibly fraudulent as Coinbase 's  TOS describes their customer support systems, and there seem to be no actual humans involved, which seems fraudulent to me.
Consumer complaint received 2022-07-22
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: CBC Companies, Inc. (IL)

I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they got a complaint but it doesn't seem to have come from me '' oh yes the XXXX it did!!! CASE ID # XXXX. Innovis is violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me. IM not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters. REF # XXXX. Yes it me XXXX XXXX Innovis. Delete the XXXX negative item you are reporting. Or should I spell it out ... Read number ( 5 ) 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it you way, no you should do it according to the laws set in place.
Consumer complaint received 2018-05-08
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. (IA)

I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX  XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX XXXX XXXX stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Consumer complaint received 2022-07-22
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. (MS)

In accordance with the Fair Credit Reporting act 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. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my XXXX and Equifax consumer report, under an open end consumer credit plan. )
Consumer complaint received 2021-06-03
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. (NV)

I had an eviction XX/XX/XXXX from my previous apartment. IRS garnishment prevented me to pay rent. I came into some money to pay off my debt, it was paid to XXXX XXXX and collection on XX/XX/XXXX for the amount of {$1400.00}. XXXX XXXX XXXX sent a paid off letter to all 3 credit bureaus. XXXX  and XXXX  has removed the debt from my report it no longer shows. However Equifax has stated that thy never received the request and as of today it still on this report as " unpaid ''. I sent Equifax a certified letter on XX/XX/XXXX and it was received on XX/XX/XXXX, but they said they never got it. Then as of XX/XX/XXXX I sent them a fax that contained, my ssn, dl 's, bank statement that confirms the payment to the collection agency, both copies of the letters the XXXX XXXX XXXX has sent to me, a written statement and the original copy of the certified receipt. I received a letter from them on XX/XX/XXXX stating that the dbt is unpaid and the current balance has went up. I need help
Consumer complaint received 2021-06-03
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. (FL)

Experian continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for Experian and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and Experian have failed to remove the incorrect information.