davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (WI)

Carvana enacted with XXXX XXXX XXXX systematic XXXX upon my account to discredit and discriminate by using a administrative policy to impede constitution protectioXXXX of civil rights under FCRA ( Fair Credit Reporting Act ) and ECOA ( Equal Credit Opportunity Act ) Acts. 

It's also believed that Carvana and XXXX under their internal system listed my account in a past due since XX/XX/2018 or collection status to impede Constitutional protection by listing my account internally as past due since the beginning of my contract with them. 

These action of systematic XXXX by Carvana and XXXX where to hinder their minorities customers form refinancing and hinder and create a negative environment around my name and accounts, also its further believed, that Carvana and XXXX maybe involved with XXXX XXXX XXXX XXXXXXXX  and hire people to steal Minorities vehicle after completion of payoff of loan/contact with them, so after you have paid off your loan with Carvana/XXXX  you have to buy a XXXX to protect your property due to their extensive connection with collections and attorneys. ( see attached ). 

XXXX and Bridgecrest also refuse to honor their payoff letter at end of loans and seek to report on your credit report defaults in order to create crime in the street because honest citizen that pay off their loan on time are subject to harassment and need to purchase a guns to protect their property against Carvana and XXXX because of their systematic XXXX to hinder minorities at payoff and end of contract term. 

XXXX Breached their payoff agreement and FCRA and ECOA by their internal policy and discrimination to impeded Constitutional protection. ( attached ). 

Carvana practice 'Systemic XXXX XXXX. 'Unconscious bias '. as recognise more insidious forms of racism that counter a very real impact on the employment chances, pay, health and finance of ethnic minorities because I made all my payment timely, as they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX. Carvana would note ny accounts as past due or defaulted to place minorities in a higher interest and down payment for profit gains, in order words they use minorities to hustle through high interests.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I've never been late on these accounts, the creditors made an error with my address and sent the statement to the wrong address. They acknowledge their mistake and promised me they would remove the negativity and update the status of the accounts to paid/never late.
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Years ago, I experienced damage to my home, filed an insurance claim, did the repairs and never received the insurance check from XXXX to reimburse my expenses. Turns out the {$31000.00} check was sent directly to an attorney affiliated with Select Portfolio Servicing, XXXX XXXX, and not to me. Efforts to receive my funds back have gone ignored for years upon years now. I would like these funds returned now please.
Consumer complaint received 2022-01-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC (NC)

On XXXX XXXX, XXXX, XXXX Brock & Scott , PLLC for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. XXXX XXXX XXXX  has even squatted so low to tell transunion credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with transunion and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live alone, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (PA)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2021
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

I am writing to file a complaint against Comenity Bank Avenue. I have tried to dispute this account about 7 times, and it keeps coming back verified which is not true. Enclosed is documentation regarding FTC Report My DL Id and Social Security Card. I want XXXX XXXX XXXX to please provide proof that this my account. It must have my name social and DOB on the verification of proof. I am requesting your assistance to putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed above
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

I have been paying loan payments for years and today looked at how much I still owe. I also looked at how my payment were being applied to the loan. Most of my payment was going to interest. In two years I have reduced what I owe on the principle {$2000.00}. The cost of the car was {$12000.00} and still owe {$9900.00} after 2 years of Payments of {$330.00} a month ( {$8000.00} ). There is definitely something wrong in this equation.
Consumer complaint received 2021-12-01
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: SYNCHRONY FINANCIAL (GA)

In XX/XX/2021, I voluntarily paid SYNCB chargeoff account XXXX in full. Since then, I have contacted SYNCB in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting collection/chargeoff to the credit bureaus. 

Not only has SYNCB refused to update the erroneous information reporting, SYNCB has consistently verified to the credit bureaus since XX/XX/2021, that their reporting is accurate. As of today 's filing, the status of the now paid in full account, is blatantly reporting as a chargeoff. This is done to intentionally suppress an individuals credit scoring. 

As stated above, I voluntarily paid this account in full in XX/XX/2021 and I have not had a negative payment history in years. Unfortunately, SYNCB is currently intentionally disguising this mischaracterized account to the credit bureaus to imitate the account as if it is a recent negative chargeoff acount that commenced 5 months ago. This is also done to intentionally suppress an individuals credit scoring. 

It is my belief that SYNCB is intentionally reporting this disguised, mischaracterized account ( status : chargeoff ) to the credit bureaus in retaliation for my many disputes sent to the CFPB and State AGs office regarding their privacy policy noncompliance over the last 3+ years. 

SYNCBs intentional infliction of emotional distress, deception, negligence and retaliation, has caused me tremendous stress, credit card denials, credit line increase denials, and missed business opportunities. SYNCB owed me a duty of extreme care to properly investigate and only report accurate credit information to the credit bureaus. SYNCB has failed to meet this required standard of care.
Consumer complaint received 2021-02-08
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: PNC Bank N.A. (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, PNC BANK add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-12-01
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my accounts : ( XXXX XXXX, XXXX XXXXF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, PXXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-12-01
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my accounts : ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-02-18
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. (WA)

XXXX is allowing XXXX XXXX XXXX to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer Usa made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
Consumer complaint received 2021-02-11
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. (VA)

I recently checked my credit report and noticed several inaccurate items. After researching how to dispute these inaccurate items I learned a lot from the FCRA. In keeping with the law I submitted a dispute letter over 60 days ago and still have not heard any response. I feel like Im being ignored and being taken advantage of. These items are injurious to my credit report.
Consumer complaint received 2020-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (TN)

I am writing in regards to an old XXXX Loan that I received in XX/XX/XXXX. This loan was transferred to Wells Fargo and from there the problems began. When I signed my contract with XXXX it stated that I had either 180 days after the time I graduated or no more than 5 1/2 years after the Disbursement date to start repaying listed in the contract. I signed the contract with XXXX in XX/XX/XXXX. Wells Fargo violated this contract by attempting to collect it in XXXX while I was still in school and under the 5 1/2 years deferment period. According to the 66 month term while in school they should have not started to try to collect until XX/XX/XXXX as that is 66 months or 5 1/2 years after disbursement. Wells Fargo was unwilling to  work with me to help get my account straight and was a nightmare to work with. They have recently charged off my account and I want them to remove the Charge off from my account as they violated their own contract by attempting to collect prior to the date specified in the contract. I am in possession of the contract that has this language in it.
Consumer complaint received 2021-12-01
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)

Dear Equifax : I XXXX XXXX XXXX am working on my own credit and I authorize the CFPB to receive info on my behalf so I can keep record for Law suit purposes if you do not honor or refuse to process my request. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : XXXX N/A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

On XX/XX/2021, Navient was contacted to inform them that I was no longer employed ( I had just completed a XXXX internship which was a temporary position ) and therefore would be unable to make monthly payments until further notice. I requested a XXXX emergency forbearance due to my unemployment status, as most employers never responded and the ones that did only did so to notify me that another candidate was chosen despite submitting dozens of applications. However, this request was denied. 

The first agent responded by offering to lower the monthly payments to an approximate amount of {$760.00}. I informed the agent this would not resolve the issue as I had XXXX income at the time. I was then transferred to another agent and was told I can not be granted emergency forbearance. I informed the agent I have been responsibly making payments while I was employed and did not want to default. The agent responded by stating there is nothing she can do. 

I should have been granted emergency forbearance due to my XXXXt status. Paying $ XXXX when I was employed was already extremely difficult enough considering it was approximately 50 % of my monthly income. For perspective, my federal XXXX loans are on the income-based repayment plan and currently have a status of " XXXX XXXX XXXX '' - they have had this status long before the ongoing pandemic. To be expected to make a payment of $ XXXX in addition to " late '' fees once I resume payments is absurd. 

Moreover, despite making uninterrupted payments for the last 5 years I still owe a total of {$75000.00} in private XXXX loans. It appears the payments were applied on the interest and not on the principal balance. An amount of {$75000.00} in a XXXX repayment term would mean I would have to pay a minimum of $ XXXX not including interest. However, I have been required to make monthly payments of {$1000.00}. I do not understand how the extra {$620.00} comes from interest alone. 

In summation, Navient does not care whether or not borrowers are struggling with their student loan payments. If they did, they would offer more reasonable alternatives to delay and postpone payments during periods of economic hardship. Instead it is clear Navient only cares about quarterly earnings and their yearly revenue.
Consumer complaint received 2022-05-01
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: Conn's, Inc. (TX)

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 usc 1681 section 602 state i have the right to privacy 15 usc 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OR)

In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX  and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.