davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XX/XX/2019, at approximately XXXX XXXX. my husband and I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NJ XXXX to shop for a new vehicle ( XXXX XXXX ) as our lease is ending on our current vehicle ( an XXXX XXXX ). There we were met by XXXX XXXX ( Product Specialist )  and test drove the new vehicle. After deciding to move forward with a new lease, XXXX stepped away to meet with his sales manager, XXXX XXXX. Upon returning, XXXX provided us a monthly payment amount. When we were dissatisfied with the amount XXXX told us that this car wasn't for us because we couldn't afford the payments. Never once did they pull our credit or confirm our income. My husband and I are two highly compensated professionals. At this point, XXXX left and met with XXXX once more. When XXXX returned, XXXX accompanied him. When we met XXXX, he made a comment to us about the way we were dressed and asked if we called one another prior to coordinate. This rude comment was uncalled for, XXXX, and completely out of line and sync with reality. XXXX walked us through the pricing when I told him I had a better deal at another XXXX dealership. He asked to see my personal email from the other dealer. When I refused to show him he stated that it could not have been right - insinuating we were liars. At this point, we had enough and left. 

Approximately 15-20 minutes later XXXX called and continued to try and discuss lease terms. Later that afternoon, we made a complaint through Infiniti 's corporate site and with XXXX XXXX. To exacerbate the situation we reviewed customer comments from others on XXXX and social media - we were shocked that this company has also treated others this way. More so, the others that were treated this way all had ethnic names such as myself. 

Then on Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX, the general manager, called to discuss what happened. After some discussion I asked him what he planned to do to ease this situation, he said : " I don't think we should do business together. '' After hearing this comment from him, I could no longer engage in hearing someone spew such hatred commentary. 

This company should be held responsible for such behavior - to assume anyone, regardless of race, gender, or sexual orientation can not afford a car is deplorable.
Consumer complaint received 2021-07-17
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. (IL)

VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to XXXX in regards to the above refenced account. 


FACTUAL BACKGROUND TO THE MATTERS. 

1. XXXX neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. XXXX has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. XXXX has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. XXXX exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 

5. XXXX exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 

6. XXXX further exhibited lack of professional and respectful account management manners. 

7. XXXX negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. XXXX inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. XXXX ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. XXXX displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further XXXX actions impairing XXXX XXXX 's professional and personal status.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (IL)

I received a charge for {$24.00} on XX/XX/2019 for the continuity of a premium Experian subscription. I never registered for a premium subscription and only ever used the free subscription services. Experian has my debit card information from when I purchased a one-time credit report for {$1.00} on XX/XX/2019. 
I called Experian about the charge, which occurred on a Sunday ( XX/XX/2019 ), but their customer service office was closed. I was able to use the automated system to cancel my membership and was given a transaction number for the cancellation of my free membership. 
I then called my bank on XX/XX/2019 to submit a claim to dispute the charge. My bank approved my claim on XX/XX/2019 and reversed the charge of {$24.00}.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

This is a follow up and documentation of the XXXX  Card company contending to harass me by sending me by XXXX XXXX XXXX  of their policies on interest rates and et al. This is not about any of that information! This is about the voice message of {$600.00} clearly shown owed to me clear and simple! They have admitted the money is mine in an earlier letter sent through this method and then lied that I spent it in following purchases! But that's a lie! All they had to do was do simple addition and subtraction on the statement I attached at the beginning! That statement shows the purchases at that time! 

They think because a little person that they can harass me as they been doing with their multiple mailers all saying the same thing! When in fact I only want what is mine that I worked hard to earn legally and honestly! But I wonder if they really understand that! 

" Their '' voice message attached is clear that they owe me {$600.00}. The attached statement is clear showing the purchases at that time! I don't see why they refuse to honor the truth and give me my money! Please deposit it in my XXXX checking account! But please add daily interest and punitive damages! 

I'm asking the " pfpb '' to instruct the card company to communicate using this method to obtain trailers and paper trails for legal action against them, similar to the class action case against XXXX XXXX! In which I ask the XXXX  to ask The card company for a XXXX  to see how many others are effected to stop the methos of theft! 

It's a shame it had to go this far!
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

in the first to second week of XX/XX/XXXX I filed reports with XXXX XXXX that issued the card as well as my own bank XXXX XXXX XXXX  and XXXX credit bureau about fraud or potential identity theft to obtain a credit card using my personal information. as of XX/XX/XXXX my disputes are still under investigation.
Consumer complaint received 2021-04-22
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: BARCLAYS BANK DELAWARE (TX)

There was a promotion at the end of XXXX this year from Barclays on their XXXX card. The offer says Best Offer Ever, and XXXX points instead of regular XXXX points. The condition is to spend {$1000.00} in the first 3 month and additional XXXX points after I spent {$6000.00} on the purchase within 12 month. I met all the spending requirements within timeline but have only received XXXX points. It is almost 3 month and after I made inquiry I found out Barclays mailed me a different type of XXXX XXXX card that did not qualify for this promotion. I did not even know there are different type of XXXX XXXX  card until now. Try to resolve the issue with Barclays but no success so far. I saved all the evidence but Barclays are not interested in seeing any of them.
Consumer complaint received 2023-01-23
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account with XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Balance {$81.00}
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX. 

I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX. 

on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act. 

My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month. 

When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed. 

Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way. 

Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (CA)

DEPT OF ED/NAVIENT continues to report to credit bureaux a 90 days past due payment for XX/XX/XXXX. I was in active Chapter XXXX bankruptcy from XX/XX/XXXX to XX/XX/XXXX, and in active forbearance on my student loans. No payments were required during that time, so no payments could be deemed " late. '' I was making payments when possible to reduce balance during that time and post bankruptcy discharge, all payments were made on time, in full, and ultimately completely paid off.
Consumer complaint received 2020-07-08
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. (GA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, I have been having a major problem regarding Experian Credit Report Agency not completed the investigation accurate and I have requesting in writing the items be deleted based upon the credit bureau 's lack of compliance with the Method of Verification Process. I have disputed this account over 20 or 25 times since XXXX. 

i have sent them method of verification on XX/XX/XXXX and they did not even investigate at all. 

the creditor keeps changing the date of remove in the status detail area..
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

I want Experian, XXXX and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.
Consumer complaint received 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by Hayt, Hayt, & And Landau for their client(s) XXXX   And XXXX XXXX  XXXX. I have asked them to provide me with proof (validation) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show “Consumer Disputes.” The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I don’t know why I must spend so many countless hours trying to correct these companies' mistakes. 

I’m requesting an investigation/inquiry into this matter.

I do not want any telephone calls from XXXX  or their debt collectors of ANY KIND and if I do I will consider it harassment.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

In XXXX, I responded to an invitation from XXXX XXXX XXXX to open an account through XXXX XXXX. After completing, and being approved, I placed an order for approximately {$80.00}. After several weeks, I called inquiring about the order and was told it had been shipped. 

I subsequently received a billing statement from XXXX XXXX XXXX for the order. I again called and asked for them to track the order but did not receive any updated information. 

For a number of months, I continued to receive statements, which I would mail back with a message advising I had never received the order and requesting either : proof of delivery, replacement order or full refund credit to my account. 

The creditor never responded to my request. Instead, they placed the account for collection. When the collection agency contact me, I explained the situation and was informed they were closing their file. 

In XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) sold my charged-off account to XXXX XXXX XXXX, XXXX who posted the account to the credit bureaus as a new debt item and has proceeded to show it as a past due item each month. XXXX XXXX XXXX, XXXX subsequently assigned the account to a debt collection agency named TrueAccord. 

Upon learning this, I filed disputes with both XXXX  and XXXX XXXX. 

In response, I received from TrueAccord a copy of XXXX XXXX XXXX 's credit card agreement and a XXXX XXXX XXXX statement dated XX/XX/XXXX totaling {$370.00} - with the increase from the original amount due resulting from a {$40.00} per month " late fee '' and a monthly interest rate of 21.74 %. 

TrueAccord has advised they can not do anything with the credit bureau information as they are only the collection agency. XXXX XXXX XXXX, XXXX has advised they do not report to the credit bureaus and I must contact XXXX XXXX  to get this resolved/removed from my credit reports. XXXX XXXX  has advised they charged-off the account and sold it to XXXX XXXX XXXX, XXXX so they will not work with me. 

So, I am stuck with a growing debt for merchandise I never received being listed on my credit bureau reports. I want this resolved and my credit reports corrected but the three entities involved just keep pointing fingers at each other as to who is responsible.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. TransUnion and XXXX are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter XXXX filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with TransUnion has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with TransUnion and XXXX  were XX/XX/XXXX ; TransUnion has responded and XXXX  has not. 

I have attached all documentation, as well as the dispute letters.