davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$150.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (IN)

I started a purchase with Carvana in XXXX XXXX XXXX, after I received my pre-approval information that month, I setup for my XXXX XXXXXXXX XXXX to be delivered to me, this was submitted on XX/XX/XXXX, I signed documents for the vehicle prior to the vehicle being delivered. The vehicle was delivered to me on XX/XX/XXXX, with the idea that if I did not like the vehicle for any reason I could swap it- no problem nice and easy. The next day I decided I would like to swap the vehicle for a different one. The vehicle was supposed to be delivered XX/XX/XXXX, after going all day and not hearing anything from them I checked the delivery- it had been cancelled, with no call or explanation. I called Carvana and spoke with them, they told me they weren't sure why this happened but it was unacceptable and they would be looking into it and calling me back. After a week of them not calling me back, I called them, as nothing was appearing on my Carvana dashboard. Carvana told me then I could still swap the vehicle, when I tried to they did not hold my financing terms, even though it was their mess up. Since this was the case I moved on and decided to keep the XXXX XXXX. There were still issues when my mechanic tried to call to put in their claim for repairing the rear brakes on the vehicle, Carvana told them the vehicle had been returned and wasn't owned by anyone. Once my mechanic told me this, I called Carvana. Carvana told me that my contracts had been cancelled out on the XXXX when the swap was cancelled, and that they had to rebuild my contracts- which would take 2-3 weeks. I was told I would hear from a case manager within a couple of days, I didn't get a call back from the case manager for weeks, around the third week of XXXX the case manager called me and left a voicemail. I called Carvana again to check on my contracts, and spoke with someone else in the department who was in leadership, he told me that they would get it fixed right away, and work on the contracts. Now today, XX/XX/XXXX, I have received an email stating that if it has been more than 45 days from my date of purchase that they will run my credit again and change my terms based on this. Which is absurd considering this entire situation. Mind you they also went ahead and ran my credit anyways, prior to that email, and without my authorization, which I received two emails earlier today that alerted me of that. In the entire time I had phone calls with them, no one said that my credit would be ran or my terms would be changed, because that makes no sense to do to someone. Now at this point my terms will change, and will reflect the multiple credit inquiries that I've had from Carvana and other things I have done. This should be an illegal practice, not only did I get told everything would be easy, but after they messed it up they have made no efforts to make it right and now my credit worthiness is going to take a massive hit and my terms are going to be outrageous.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX Bank. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I tried calling today and got transferred in circles again by rude unhelpful phone representatives. So please answer in writing and note the payment was sent today XXXX. 

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase XXXX. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX chrysler XXXX XXXX. Thank you.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (ND)

Closed account without my permission. I dont care what the law or agreement states. Force them to reopen it at once. Or give me lots of chocolate & BEER. hahahahahahahahahahahaha I'm XXXX!
Consumer complaint received 2021-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

InXX/XX/XXXX my entire student loan was paid off and I received a letter in regards to the information from the XXXX and my previous lending company. After moving several times during a divorce I found my loan was no longer paid and I was in collections. I made a repayment plan with the original lender who added XXXX in hidden fees. I asked why this was and they explained the original loan amount is used when in default. I signed up for a current COVID income repayment plan as I work as a XXXX  and support a large family. They have recently added an additional {$10000.00} in interest and {$4000.00} within the last month. My original loan was {$10000.00}. I owe {$30000.00} interest which is virtually impossible to maintain and make payments on and more than my original loan amount. Due to being a single mother of XXXX Ive been on an income repayment plan but the interest and charges they keep adding on seem unreasonable. 
I work for a non profit and my loan is eligible for a grant but they switched my original federal loan to a private loan so it is no longer eligible. 
The student loan has destroyed my credit and it is an unreasonable amount of fees and interest to ever possible pay on a {$10000.00} loan. Im at an 100 % interest rate as the company tells me they are able to charge these $ XXXX {$10000.00} fees if I chose to be on an income based repayment program. I didnt read or agree to the hidden fees. I do not see my original loan amount in any documents they supplied me only fees of interest and interest capitalization. No original loan amount even owed. I never went to XXXX XXXX in XXXX either! None of their information is correct.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (PA)

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2018 I purchased a " XXXX XXXX XXXX XXXX '' from Amazon. If I get their credit card it would save me 5 %. I did get the card. Months later ( about 3 ) my cell phone rang and I almost didn't answer it because I get many Robo calls. It was a lady that said I was behind on my payment. My history for years has be XXXX and I was shocked about this. I said I never received a bill. I called the credit card company and they told me that signing up on line was an automatic email billing. My bills at this time was always by mail. The card company never contacted me by mail. And the phone attempts shouldn't be counted with all the phone issues now a days. I also spoke to somebody that informed me that too much time passed and nothing could be reversed. Okay, my credit score fell 100 points to XXXX and I still haven't reached 800+. For decades I've paid all my bills on time. I think these companies should be required to contact the person by mail before issuing delinquencies such as this. Now I've learned it may take 7 years for my credit rating to be restored. This just isn't right.
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (CO)

Received a " Satisfy in Full Offer '' letter in the mail from Capital Accounts , LLC, on XX/XX/2022 letter dated XX/XX/2022, on behalf of XXXX XXXX XXXX XXXX XXXX for a total sum of {$9900.00}, satisfy in full price of {$5900.00}. There is no other information on this letter. There is no other information on this letter. No mention of what services or goods this is in regard to, or when it was turned over to collections. I have checked my credit ratings I do not show any outstanding debt to this company. I have never used their services.
Consumer complaint received 2021-10-18
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: Kikoff Inc. (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

According to the Final Escrow Account Disclosure Statement, my escrow balance as of XX/XX/2019 was {$2200.00}. I was told by the original loan servicing company that the funds were transferred to the new loan servicing company on XX/XX/2019. However, as of XX/XX/2019, the funds new loan servicing company has not received the funds. I have made several phone calls to the original loan servicing company, have spent an excessive amount of time attempting to receive confirmation that the funds were transferred, but have yet to receive documentation or proof that the escrow balance was transferred to and received by the new company. As a result, my monthly mortgage payment has been increased by {$670.00}. During my last call to the original company, I spoke to a supervisor who promised to provide me with the requested proof of transfer ( i.e., method of transfer, tracking number, etc. ), by the close of business on XX/XX/2019, but I have received no information, documentation, e-mail or telephone call from the manager.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (SC)

I spoke with XXXX XXXX according to him that was his name I explained that I shouldnt be getting charge for late fee while I was under COVID-19 relief program including my other cards in personal loans and I requested for refund on the late fee that Ive been charge he promised that hes going to give me {$80.00} refund and the rest of {$120.00} he refused to help and refused to look into notes and told me that I was under COVID-19 relief program. Im requesting to have a refund back and seems like he refuse to help me and treat me little different because of my Last name and my accent. He does understand that I am have XXXX XXXX in XXXX  I told him that I am giving him a fair chance and he said he dont know if he can help I need to call a customer service. Please have them disclose all the comments on my all wellsfargo accounts and you will see I was charge for late fees. I am not sure who make and mistake but I spoke to someone in XXXX and requested a relief for COVID-19 assistance, not get charge late.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I am a victim of identity theft and did not authorize these changes to my credit report. I am writing to delete the following information off of my credit report.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

In XXXX, I activated the Citi Dividend MastercardQ4 2021 5 % bonus restaurant category. Citi did not add the bonus amounts to my account for the restaurant purchases that I had. I called customer service but the rep told me that it wasn't activated.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (GA)

I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Consumer complaint received 2019-06-24
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: CITIBANK, N.A. (NY)

I have reported 5 times that the accounts from XXXX XXXX XXXX, Best Buy/CBNA AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX  XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.
Consumer complaint received 2019-06-25
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. (MO)

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXXXXXX {$620.00} 4. XXXX XXXX / XXXX XXXX. US Department of EDU {$1100.00} {$2000.00}
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-18
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: SYNCHRONY FINANCIAL (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OR)

called citi on XX/XX/2020 shopping for a 0 % balance transfer offer. accepted one for 12 months 5 % fee. at no time was i made aware that the term would run from when the offer was made and not when it was accepted. citi claims the offer was made in XXXX and while i might have received a mass mailing about balance transfer offers i was not specifically made aware on XXXX that the term began in XXXX before i was even aware of the offer. if i had been made aware i would not have accepted the offer for 12 months which was in reality an offer for 10 months.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX  XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act 104298. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.