davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (WA)

Over the last few months, Ive tried to purchase a car from the car dealership, Carvana online. With that said, at the very end of the process, when you purchasing a vehicle leasing it, or paying out right for it, he received prompts that indicate that Carvana would like to verify your banking information. With that said, the methods by which they verify the account is not the methods any consumer has authorized they flat out, lie and deceive, and on their checkout page and thats unacceptable. When a consumer purchases or leases or finances of vehicle from Carvana, when they are prompted to put their banking information in. They are also told that a verification check would be done through a consumer credit reporting agency. Their credit reporting agency is experience, however, that is not what they do when it comes to verifying an account. Ive brought this to their attention, and they immediately hung up on me, and refused to do business, and hence the complaint. On the last purchase page where you finalize your purchase or finance or lease with Carvana and ask you to verify your account well the wording authorization wording that is given is as follows. 

By clicking " Verify My Account, '' I give Carvana written consent to verify the account I provided by obtaining a consumer report from a consumer reporting agency. 

This is disclaimer verbiage directly from the Carvana website. Despite the disclaimer, that is not what Carvana does in verifying accounts. Carvana uses XXXX and requires the consumer to link their financial account. This is not what I and countless. Others have given an authorization to. Following the statement above, I authorized Carvana to use XXXX, XXXX, or XXXX XXXX to verify my banking information not link a third party company named Plaid to verify my purchase. Furthermore, Carvana also states that they will give micro deposit into your the manually added bank account, and then instructed to come back and verify after I link it with plaid. None of this is used in the verbiage disclaimer, and I authorize none of it, this is illegal and a major privacy policy issue, and concern! I tried to bring it to with Carvanas attention and like I stated earlier they have hung up on me, or Im told I am over thinking it subsequently dismissing my legitimate privacy policy concern and issue. I dont mind somebody peering into my financial health. What I do mind, is, despite the wording verbiage presented as the authorization disclaimer ; that is not what Carvana does, not even remotely close. Carvana applies deceptive tactics and intentionally trys to deceive the customer. Furthermore, why does a person have to use XXXX and why is it required to use XXXX, in manual uploading of the bank information to purchase a car? 
I that is what was said in the authorization disclaimer, that would be a different story ; but its not in. It has never said that.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XX/XX/2023- Applied for mortgage assistance and submitted application and supporting documents. And i keep reaching out to the SPS Mortgage Company and they never return my calls. And, then after calls and calls they told me I did not make enough money and they did not have any programs to assist me. I'm a XXXX XXXX  100 % and I need assistance with my mortgage, and they keep denying me the rights to keep my home and now I'm in default status and referred to an attorney. I just need some assistance, but SPS is being very difficult and unresponsive. Please assist with communicating with this mortgage company for assistance. 

Note : And, they have not type of communication with the customer that is personal or helpful. 

And they assign you a relationship XXXX that never answers the phone or sends you any type of correspondence to let you know about any new documents or documents that would need to be updated.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

We were in the process of refinancing our mortgage with XXXX Mortgage. On XX/XX/XXXX at XXXX pm I asked XXXX XXXX, our loan specialist, to provide me with a final, corrected Closing Disclosure before we signed the final loan documents at the settlement table. At XXXX pm on XX/XX/XXXX, she sent us a corrected Closing Disclosure that showed we would be getting {$2900.00} cash back to borrower at closing. I responded to her via email that " this is acceptable '' and we were ready to close. 

When the notary from XXXX XXXX XXXX XXXX showed up to our house, she had over 20 pages of documents for us to sign. The Closing Disclosure in this packet of documents was not the same CD that I had approved via email prior to the in-person closing. A new CD was inserted that showed that we were to only get {$2000.00} back at closing. NewRez, or the title company, kept the balance of the funds. 

When we received the check for the incorrect amount, we reached out to XXXX XXXX and XXXX XXXX, the original loan consultant, about the error. As of today, XX/XX/XXXX, there has been no resolution to this matter. It is unfair and deceptive for the Closing Disclosure to change at the closing/settlement table without prior approval from the borrowers. 

XXXX & XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (NY)

Tried to initiate a transfer out of the savings account on XX/XX/XXXX. Despite being ACH, they don't process the transfers for 5 days. On XX/XX/XXXX, I have a note that my account was locked. Called and waited for 1:30 minutes to a representative. Account was unlocked and ACH transfers could resume. ACH limit due to the blocked transation was not restored. 

{$50000.00} was transferred, out of the {$200000.00} requested. Account balance shows {$100000.00} was transferred, {$50000.00} unaccounted for currently. {$190000.00} is locked in the account again on XX/XX/XXXX with no way to transfer. Request for a wire was declined.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such information
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I made a payment for {$200.00} and I must have miss typed my information because capital one sent me a notification stating that the account could not be located to please double check your information and submit it again. So I did that and capital one turned around and closed my credit card account. The payment has just cleared my XXXX account. Capital one does not give you the balance to be available until the payment clears. 

My mother just passed away and Ive been handling everything regarding her funeral and I made a mistake, but capital one did not even bother waiting to see if that was just a clerical mistake on my end. They closed the account. I had already made a XXXX deposit to them that did not return as well as a XXXX payment. This is really unacceptable the way they are doing business with me. 

When I called and got customer service on XX/XX/21 customer service refused to answer who I could actually talk to. When I escalated and the gentlemen would not answer I asked for their boss. They refused to escalate the cal!
Consumer complaint received 2024-02-21
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: Bridgecrest Acceptance Corporation (TX)

On XX/XX/24, I recently dispute inconsistent and inaccuracies from this company Bridgecrest and I sent them proper I.D., Social Security Number, and Lease Agreement that this is me. I received a letter from them saying my address don't match their file but that's not a good reason to ignore my dispute that I sent them which is a violation to FCRA AND CRA 'S. They are breaking the Law and Accordance to 15 USC 1681 et seq and 16 CFR Part 611 PROHIBITION AGAINST CIRCUMVENTING TREATMENT AS A NATIONWIDE CONSUMER REPORTING AGENCY ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-10-22
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: JPMORGAN CHASE & CO. (AZ)

Today I went to chase bank to open a checking account. I got denied opening a bank acct by chase due to XXXX credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that XXXX  is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC. (OH)

I recently received an invoice in the amount of {$11000.00} from XXXX XXXX XXXX which was forwarded to me by CIT Commercial Services, a division of Citizens Bank. Despite my efforts to rectify the situation through numerous phone calls and emails, it has become evident that the bill in question does not belong to me, but rather to a company located several hours away. I have made multiple attempts to resolve this issue with the debt collector, to no avail. 

I am concerned that this erroneous billing may have negatively impacted my credit score. The lack of due diligence on the part of the collection agency has resulted in a significant inconvenience for my company, which is currently in the process of securing a business loan. Such careless actions on the part of the debt collector are not only negligent, but also potentially damaging to the businesses involved.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XX/XX/2024 and this company is still emailing in regards to this debt. This debt has been charged off. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account with Capital One Account # XXXX which is showing late pays in XX/XX/year>, XXXX XXXX and XX/XX/year>. I have made payments every month. My interest rate was reduced and I made payments based on that but for some reason it looks like capital one didn't make the adjustments accordingly. I am requesting the original contract along with any all all written and verbal communication within the past 12 months.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Back in XXXX of XXXX, I had fraud on my credit card. As soon as I found out, I contacted Chase and disputed the fraudulent transactions. The claim was resolved in my favor, however, I am still being charged interest on those purchases. I have called several times trying to get this issue resolved and I have been told that the issue would be resolved, but as of the most recent statement, interest is still being charged on purchases I did not make.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent Transunion a letter on XXXX/XXXX/17 to investigate XXXX # XXXX, a collection agency because I know for a fact that this account should not be on my reports for many reasons, plus, I never done any business with that company. I received a result letter from Transunion stating that the account was verifed. On XXXX/XXXX/2017, I responded to their letter asking them for method of verification since I personally contacted that company reporting that account on my report on XXXX/XXXX/17 and received a response from them on XXXX/XXXX/17 stating that they do not own this alleged debt therefore was unable to validate it. On XXXX/XXXX/2017, I received a result letter from Transunion stating that the account is verified as accurate. I specifically requested on XXXX/XXXX/17 for them to provide me their method of verification, and they bluntly failed to do so, therefore they need to remove this account off my credit report. The credit agency are to report only accurate information on my credit reports, and Transunion keeps failing to do so per law.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (CA)

On ( XX/XX/2024 ), I sent a letter to ( NATIONAL CREDIT ADJUST ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( NATIONAL CREDIT ADJUST ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, my Chase credit card information was stolen, and used to make a {$1900.00} purchase from the XXXX store. This is a shared account held by my wife and I. Neither of us made this purchase. I was working in my office when the purchase occurred, and I only found out the purchase occurred because my wife alerted me that she had received a text notification from Chase of the amount charged -- that she did not recognize. 

I immediately called Chase and alerted them that this was a fraudulent purchase. They freezed my account, and initiated the process to issue me a new card. 

I then immediately called my local police department to inform them of the identity theft, and I filed a police report. 

Chase initiated an investigation, and shockingly, despite all the foregoing, refused to credit our account the amount stolen. Upon receiving the company 's determination, we asked for a secondary investigation, and we submitted evidence of the police report filed, and the evidence we submitted to the police department -- which completely and to the XXXX supported the account given to Chase. 

Shockingly, despite this evidence, and despite being a longstanding customer of the credit card company ( without any negative history ), Chase refused, again, to credit this amount to our card and is now requiring that my wife and I be responsible for this large sum of money that was stolen from us, promptly reported to the company, and to the authorities -- all within minutes of discovering the fraudulent charge.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I called Money Gram to cancel the transfer because after trying to do it in their website is showing the optionto cancel but it was not responding. After I submitted my claim They give me the claim # XXXX The scam was by someone using XXXX XXXX pretending to be my sister requesting to do her a favor to make a transfer to a XXXX XXXX in XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and because my sister has a business in XXXX, the ( hacker ) and she said that she wasnt free to do it herself, Until l2 hours later another sister give the alert to the family about my sisters phone was hacked. The total deposit was for XXXX. Dlls Money Gram Payment Service receipt that I got for this transaction said the money will be available in the destiny country until XX/XX/2024 but they said they cant do reimbursement after the money is sent. So I told them why is showing the option to cancel. They did not respond.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I was told by a Truist representative that they mailed my check on XX/XX/2024. It is XX/XX/XXXX and I still havent received a check for the funds of the account they closed without a notice or telling me the reason it was being closed.
Consumer complaint received 2020-11-13
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.
Consumer complaint received 2020-06-28
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: EQUIFAX, INC. (CA)

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, Equifax, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, Equifax, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR COMPANY - FORD TEMPO XXXX XXXX XXXX XXXX WAS IN EXCELLENT CONDITION IN XXXX XXXX XXXX YEAR\. MINOR PROBLEM WITH CHIPPING OF XXXX XXXX  NEAR REAR DOOXXXX XXXX XXXX XXXX. I RECEIVED A PERSONAL LETTER FROM THE XXXX XXXX XXXX OUR DWELLING STATING THE VEHICLE WAS UNSIGHTLY. I REFUSED TO DISCUSS THIS, IT WAS A SLANDER AND A PERSONAL ISSUE ONLY. THE XXXX  WE LIVED IN UNDER A LEASE WAS SOLD WITHOUT NOTICE SHORTLY AFTER AND NO MONEY WAS RECOVERED ALTHOUGH THE LEASE WAS BROKEN BY THE XXXX XXXX XXXX XXXX, THE APARTMENT WAS SOLD WITHOUT NOTICE.. LANDLORD ON RECORD AT XXXX XXXX & XXXX XXXX XXXX XXXX WAS A XXXX XXXX XXXX XXXX XXXX RENT MONEY WAS PAID TO XXXX IN FULL. FORD MOTOR REQUESTED MY SOCIAL SECURITY NUMBER FOR VERIFICATION, VIN IS N/A. VEHICLE WAS STOLEN. SOCIAL SECURITY NUMBER IS XXXX. # XXXX. CAR WAS PAID FOR IN FULL. THANK YOU. COMPLAINT IS NO INSURANCE FROM AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND RECOVERY PAYMENTS, REPLACEMENT OR SERVICE, OR ATTENTION TO THIS MATTER.