davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (CA)

On XX/XX/XXXX I entered into a consumer credit transaction for a XXXX XXXX XXXX XXXX vehicle with Carvana, LLC. I have sent affidavits certified to Carvana and their XXXX XXXX informing them that my contract was fraudulent and misleading which were delivered on XX/XX/XXXX and XX/XX/XXXX. These were all Federal violations of the Truth In Lending Act which included falsely stating the finance charge ( 15USC1605 ( a ) ) by not including my insurance with the finance charge as well as not providing me with the proper documents and disclosures of my right of rescission ( 15USC1635 ( a ) ). I demanded my right of rescission, monetary relief of {$30000.00}, an audit trail and account records of the transaction, the title to the vehicle free and clear, reimbursement for all insurance payments made Pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) for Criminal violations as well as Civil violations Pursuant to 15 USC 1611 due to their negligence. I received a response dated XX/XX/XXXX only stating that I still owe the debt and nothing further. I have included all the Federal Consumer Protection Laws in the affidavit mailed to them proving their violations of the Truth in Lending Act and they failed to acknowledge and respond accordingly.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Bank is ripping me off with late fees and bombarding me with ROBO-CALL after ROBO CALLS. I have been paying them on time since XXXX. I did have a medical problem in XXXX. But I have been paying on time the last 18 months and they keep charging me late fees and no one answers the phone when I call after being on hold for 20 minute sto half an hour. I have been making my car payments. They are charging me another Car Payment of late fees of {$220.00}. Those late fees should be revered. Attached is my download of car payments from my XXXX account. The CFPB should stop them from pushing consumers under with late fees even though they are paying on time. See attached.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

National Credit Adjusters has no contract signed between myself and there company they have placed XXXX on my credit and have no proof I opened a account and signed with the company. Please provide the signed contract with my signature to validate this debt. If you do not have a signed contract with myself and National Credit Adjusters then remove from ALL 3 credit bureaus immediately. This is in Violation of my rights and FCRA act.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I bought tickets to FL from XXXX XXXX on XXXX on XX/XX/XXXX found out that the relatives place I was going to stay at was destroyed by the hurricane. I tried contacting XXXX on their chat service. There was a 45 minute wait, but after 30 minutes they disconnected me from their chat! I tried again, 2nd time it was over an hour wait, and again it disconnected me from their chat after 30 minutes. 

I filed a chargeback with my credit card on XX/XX/XXXX for the {$330.00} since I was not able to contact XXXX XXXX to request a refund. I feel I made more than a reasonable attempt but their own systems kept disconnecting me, making it impossible to contact them. Guessing the hurricane swamped their staff and they didnt hire any more staff to assist. 

Then on XX/XX/XXXX my credit card was canceled with no notice to me. I had received a letter saying a new bank, Comenity, would be taking it over, but I never received any other info nor did I receive any new cards. This caused some major issues for me since I had to go out of town the next day. 

On XX/XX/XXXX I mailed XXXXComenity a payment for XXXX along with a letter explaining the chargeback, since I was concerned that the chargeback info might not have been transferred from XXXX  to Comenity. I stapled my check to the letter to make absolutely sure someone would have to see the letter. 

This check was cashed on XX/XX/XXXX. I had another small payment to make to Comenity the next month for {$83.00} which paid all my remaining charges in full except for the charged back XXXX tickets. 

On XX/XX/XXXX I received another statement from Comenity. They have taken NO action on my chargeback for two months, despite being notified of the chargeback. 

In addition they have charged me a {$25.00} late fee on the amount Ive had in dispute for them for two months. I thought they werent supposed to be able to do that for charges that are currently under dispute? 

When Comenity took over the XXXX credit card service from XXXX  XXXX XXXX, it was a complete mess. I called their customer service line on XX/XX/XXXX and it was obvious they had people answering the phones that had no training at all and were fielding calls from all the people whose cards had been canceled with no notice. Every question I asked the rep, he had to ask his supervisor. I have not attempted to call them again because they didnt have anyone who could really help customers the last time I called and I didnt see that situation getting any better.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I no longer reside at any of the following addresses : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible
Consumer complaint received 2019-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

I have my mortgage with Sun Trust Bank and have had some trying times with these people. Recently I was told by them that I didn't have Home Owners Insurance and that I had a lapse from XXXX XXXX thru XXXX XXXX. I called my HOI insurance agency and they sent proof that I did have HOI with them, they called Sun Trust and we made a three way conversation and the lady at XXXX XXXX advised them that I do have coverage through them and since I have allowed them to automatically withdraw the fee, there couldn't be a lapse. However, Sun Trust didn't wait for proof that I do have HOI and took out a {$45.00} HOI and added it on to my mortgage payment as fax charges!! I have had my escrow since I signed with Sun Trust and I believe they want it so they can add it on to their " cushion ''. I am trying to acquire another mortgage company but it takes time. I check the XXXX  and other agencies to make sure don't have a lot of complaints. 
I hope you can help to solve this problem for me. Thank you for time and effort. As an after thought, the 2008 housing debacle still looms in our minds, will it happen again? Some people said it could never happen!!
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX  XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
Consumer complaint received 2021-03-24
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. (IL)

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, Equifax, and XXXX  that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Consumer complaint received 2021-11-26
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 delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

My Experian credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XX/XX/XXXXcredit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Circle Internet Financial (WA)

On XXXX XXXX 2017 Bitcoin ( BTC ) performed a hard fork, which is basically a stock split. 
XXXX did not give the split off coins ( shares ) to its customers. I am looking to get the coins due to me from XXXX. I have since threatened them with a Class Action Lawsuit ( but no action is pending that I know of ) and they have arbitrarily closed my account for no reason. 

The hard fork should have given me XXXX BCH ( shares of Bitcoin Cash ). At the time of the fork it was about {$1400.00}, current value is about {$2500.00}. 

I contacted the company multiple times on, and after, X/XX/2017 and they stated they would not distribute the coins.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Integrated Recovery Services (AL)

I have been receiving calls from these people for about a week but I never answer because my XXXX  has there number filtered as a scam number ( XXXX ) but today XX/XX/17 a rep named XXXX left a voicemail stating there is a case naming as a defendant and they will pursue unless I call them at XXXX. So I call the number and XXXX an account XXXX answers the phone giving the companies name as XXXX XXXX. He wants me to verify DOB and SS # which I did not do because these people are clearly scammers. He refused to give me any information and he stated that since I would not verify my personal information he will be calling a bunch of random people and just giving them the ss # and DOB they have on file and then hung up in my face. I called back and got XXXX who immediately hung up when I asked for their address. I called back again and XXXX answers and he said he is not providing me with their address or a mailing address and hung up in m face again. These collection practices are not only illegal but they violate ALL consumer credit debit collection laws. If these people continue to harass me and break the law I will file a law suit. I have them recorded!!!!!!!!!!
Consumer complaint received 2021-05-22
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 ()

On XX/XX/2021, I recieved an email from paypal, telling me my account is temporarily limited, and that they need me to take action sending some documents, ( I want to clarify thet I sent everything they asked for at the beggining, and that my account was up to date ) I inmediatly got to it and sent everything they asked for and took all the actions that they required me to do. 
At paypal webpage, there's a red flagged message that tells me I need to take action, I clicked on it, there were two buttons, that said resolve in front of each action, the first one was uploading the documents, and the second one said " Confirm your information '' I sent the documents en clicked on resolve, then I clicked on the second resolve button " confirm your information '' The page sent me to a message page that said that they are gon na take up to 10 days to check the info and make a resolution. A month passed by and I kept recieving the redflaged message, and whan I click on it it takes me to same same page where one resolve button is activated ( as if it's completed ) and the other one that says confirm your information, was still active, when I cliked on it, the same thing happened, it sent me to the message that says they are gon na look into it.

I tried to contact them in many ways, I even chated with to a couple of costumer service people that couldn't help me at all, they were evasive with their answers.

Its been 2 months now, and my account is limited, I can't use my money, and they keep sending me emails telling me to take action, I sent everything again, and there's no answer, there's one change now, when I click on the resolve button ( confirm your information ) it redirects me to a message that says that the problem is solved and that my account is back to normal, wich is not! It's still limited and the red flagged message keeps on showing and asking me to take action, when I click on it the only option avaible is to confirm my info, and when I click on it it says everything is back to normal.

This redflagged message in my paypal 's dashboard keeps saying that they are gon na limit my account even further on XX/XX/XXXX, if I don't send the documents that I have allready send 2 months ago. 
There's no response from them, they keep telling me that they've escalated my concern, but they won't fix the problem. It's like a system glitch that got stuck in a loophole, that paypal doesn't wan na fix. I have lost lost of services and others because of this situation, our work is affected directly by this negligence from paypal. 
I want my account back to normal and acces to my money.
Consumer complaint received 2020-04-07
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. (KS)

XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I paid off the loan on XX/XX/XXXX. At that time I called the company and they had indicated that I had overpaid by {$94.00} and that I would get that balance in the form of a check within 30 days. 30 days passed and I received an email stating that my next payment was due on XX/XX/XXXX. I contacted them on XX/XX/XXXX and the representative I spoke with stated that the payment message was a mistake. On XX/XX/XXXX I tried to use my bank card and was denied because there was a pending ACH hold on my bank account from Net Credit. I will contact them again today when they open and ask them to erase my bank account information. Also, when i call they state that all calls are recorded for QC purposes. Also, I can not get a paper statement or a pay off notice from this company.