davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc. (CA)

Dear CFPB, I couldn't find a box to check that matches the issue that I am having, but I am relatively certain that its in CFPB 's jurisdiction and I need help. 

On XX/XX/2021, I purchased the Full Self Driving upgrade for my Tesla at a cost of {$10000.00}. It essentially allows the car to perform lots of functionality like driving itself thru navigation, etc ... Due to some type of technical glitch, although Tesla did take my money, they didn't provide me with the product. Its supposed to be installed within 1-2 days, and I confirmed I have a strong Wifi connection. 

On XX/XX/XXXX, I called Tesla to report the issue and they confirmed they would have it resolved, acknoledging its an internal issue for their " advanced team '' On XX/XX/XXXX, I called a 2nd time to inquire about status, to which they told me it would also be solved. I told them I'd either like the product, or a refund, but I can't have Tesla take {$10000.00} of my money. Tesla has a 48 hour return policy on this product, and they advised they can not refund me since its more than 48 hours, but I never had the product in the first place. 

On XX/XX/XXXX, I called a 3rd time to follow up, and was advised to take the Tesla into the service center to get this remedied. 

On XX/XX/XXXX, I took 3 hours out of my work day to wait 90 minutes at the Tesla Service center for my appointment. They COULD NOT fix the issue, telling me its a software problem for the " Advanced Team '' On XX/XX/XXXX, I called a 4th time to follow up, and was advised that I would just " have to wait '' and, I told them I'd be filing a complaint and they forwarded me to a supervisor who would be emailing me On XX/XX/XXXX, a supervisor named XXXX emailed me to let me know they could not process the refund, and that although there is a fix for the issues I'm having, provided no assistance in when or if Tesla would fix it. 

Over the period of XX/XX/XXXX-XX/XX/XXXX me and XXXX exchanged emails in which I told him I don't believe this matches up with Tesla 's company culture, its promise to its consumers, or the agreement for Self Driving. There is no reality in which a customer pays {$10000.00} for a product from a reputable company, and the company choses NOT to deliver the product, and the consumer is not entitled to a refund, and is given the run around. The icing on the cake here is that XXXX told me " I would also recommend scheduling a service appointment so they can assist with this as well ''. 

I need CFPBs help in either compelling Tesla to refund me, OR to deliver the product they originally promised me.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I started with a refinance on XXXX, gave the a {$500.00} good faith deposit on XXXX, after several weeks, and lots of paperwork sent to them, I got an appraisal on my home on, XXXX. 
Then after several more weeks, I get 4 loan estimates ( non of which was for what I had been told ) I was asked for more check stubs, and other paper work. 
My interest hold was running out on XXXX, and got extended until XXXX, and still no closing date. 
On XXXX I got referred to another person at Rocket, that was a " top specialist '', to help get this closed. It was him that came up with the inspection report? He said I needed to see page 4 and do the foundation repair before the loan could close. I only had until XXXX to get that done? They drug their feet for 60 days, and were only giving me 3 days? 
He said Rocket would withdraw the lone if I didn't, I had an appraisal not inspection, I don't have a foundation, and I couldn't get it done in 3 days. 
I know they will say I withdrew the loan and I don't get my money back, they never intended to loan my money they just didn't have the balls to tell me, so they came up with something I couldn't do, to say I did it. 
when I told the " specialist '' that he referred me Client Relations, I got one call from them that I missed and have not heard anything else from Rocket.
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained my Transunion Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Transunion any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. 

I wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent Transunion a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Consumer complaint received 2021-08-20
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: Nelnet, Inc. (CA)

On XX/XX/XXXX, I sent a letter to Nelnet regarding three accounts that are reporting on my credit report from them. I was requesting for them to show me proof that their reporting of the accounts were 100 % accurate. The reason why I asked this was because there were major inconsistencies and inaccurate information on their accounts from all three major credit bureaus. 

However, on XX/XX/XXXX, they sent me a letter stating that they are not complying with the investigation. 

They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant!
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called TD bank and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used western union service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. I am sending the recorded call to XXXX.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (CA)

I lost my XXXX XXXX debit card, so in the interim while waiting for the replacement card, I bought a prepaid card to pay bills online. I activated the card XX/XX/2021 with a {$300.00} balance and attempted to use it to pay bills online. It was declined. When I called NetSpend, they had me verify who I was but listing a number of previous addresses, ppl known or not known to me, and phone numbers. Once I did this, she told me the card was now active and ready to use. I attempted to use online a second time and the same thing happened. I called customer service again and was told I would have to do the same thing. When I explained that I had already done this, he then told me I would have to mail in documents proving who I am. DL, SS #, utility bill - everything anyone would need to use my personal information for identity theft. I asked why if I have a card that I put money on, do I have to jump through all these hoops to use it? He said it was the only way and the call was disconnected. The 3rd time I called I was told that the card could only be used in stores and not online. I attempted to do that and the card was declined. The 4th time I called I told them to cancel the card and just mail me a check for my money. He told me someone would call to verify my mailing address. That never happened so I wrote them an email on XX/XX/2021 explaining my situation and provided my mailing address for the refunded amount on the card which was still {$300.00}. They replied by email and told me to call customer service. It's a joke! They should not be allowed to keep my money and I want it back and them out of business. I'm sure I'm not the first person to complain about NetSpend pre-paid debit cards.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account is showing up on my Experian credit report after I explained the errors and problems that this account is causing me. I just moved to a new apartment and took a transfer at my job to accommodate my move and because I work in the XXXX XXXX, I had to explain several times why there is a settlement listed on my credit report. 

I wrote all 3 bureaus explaining the error that XXXX is making on my credit report. XXXX is saying that this account was SETTLED when in reality this account was NEVER supposed to be in collections because I cancelled service within the 14 day trial they gave. I returned equipment and was not bound by any contract. After I cancelled XXXX they said I had to pay for service, I explained that I did NOT have to pay according to the terms of their agreement during the trial. XXXX explained the confusion and they wiped the balance to XXXX and still reported this account on my credit with a XXXX balance. I Never paid XXXX anything on my credit report. It shows PAID IN SETTLEMENT How could I have settled a balance and the original balance is listed as XXXX.. They are misleading people by saying that I settled a balance which is not true. I never had a balance with them. This misleading statement is inaccurate and violates my FCRA rights. Additionally I have already addressed this issue where XXXX  and XXXX  deleted the account. Experian is the only bureau reporting this account saying it was VERIFIED as accurate when clearly this account is illegally reporting. I have a copy of all the disputes that I have sent out and I can furnish them to the CFPB or any attorney that wants to review this case. I need the CFPB to look into the investigation procedures of Experian and XXXX in this case. This is the ONLY Charge Off or collections on my credit report. This type of error is hurting my near perfect credit. My FICO score is suffering and as I have to write and explain this account, I am missing opportunities because this company is reporting an error on my credit report. 

I would like to request 2 things on record. 

# 1 the full payment history on this account.

# 2 is this account to be DELETED from the credit report
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I called Experian fraud dept. trying to remove unauthorized hard inquiries off my credit report, the representative refused, and misinterpreted what I said and refused to remove misspellings of my name ; or help at all, at my request she took my number and stated a supervisor would call me within 24-72 hours
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance (MS)

On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX  ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX  ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have no lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.

Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...

Improper contact or sharing of info. ...

Excessive phone calls
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX debt collectors is using abusive and manipulation tactics along with bullying and profane language. It is obvious they are using a foreign call center that way they don't fall under US law. This is absolutely pathetic and wrong. My first phone called occurred on XX/XX/21. I agreed to a payment plan for my balance of {$410.00}, but I told them I will begin payments when I budget for the next month of XXXX. Starting yesterday XX/XX/21, I receive multiple calls a day from an XXXX person who is berating me and attacking me for not paying my bill. These people will now NEVER receive my money due to their disgusting behavior. I will gladly provide any additional details needed. Actions need to be taken because I know for a fact, I am not the only person this is being done too. They are now calling me from bogus numbers all over the US. I work in sales and CAN NOT have my phone ringing ALL DAY. It gets in the way of customers and my source of income.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

On XX/XX/XXXX XXXX PM Spoke to XXXX Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to XXXX in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; XXXX countinues to submit Pay Off Statement showing I missed " XXXX 's '' pymt ; I did not ; When I messaged XXXX on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not. 

XXXX has reported to Experian that I missed XXXX 's mortgage, I did not. The proof is attached and was also given to XXXX on XX/XX/XXXX.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.
Consumer complaint received 2021-08-20
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: Aldous & Associates, PLLC (NY)

I have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX ( Original Creditor 05 XXXX XXXX  ) Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX XXXX card was charged {$24.00} from Trans Union on XX/XX/2021 in CA. I was in CA on a trip on that day and 10 days previous. I have never used Trans Union or have any reason to use them. I called the contact number on XX/XX/2021 when I received my XXXX bill to dispute the charge. I was transferred to 5 different people, after each one got my info they said they couldnt help me and continued to transfer me. Each time they asked for my SS number, ( which I would only give the last 4 digits ), address and phone. The last person also wanted my bday, which I would not disclose. I truly believe this company is a scam and want to file this complaint.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/21, I received a spoof a phone call from the phone number of XXXX, I XXXX  the number and it stated that it was the XXXX middle district court house! The guy on the other line, state his name was XXXX XXXX and he stated that I was part of a crime! I have never been in trouble, I am a XXXX  XXXX with the XXXX XXXX XXXX XXXXXXXX! 
The guy demanded money from me using the app of XXXX XXXX! The spam caller caught me off guard and seem realistic and though the guy was real! 
I sent money to him by using XXXX XXXX to the name of XXXX XXXXXXXX XXXX XXXX  name of $ XXXX! I sent him money of {$500.00}, {$800.00}, {$2000.00}, {$3000.00}, {$50.00}, {$2700.00}, {$700.00}! I will provide you all receipts that I sent to him by XXXX XXXX! 
The guy then started texting me from a XXXX, Florida phone number of XXXX and sent me a email! The email he used was XXXX! Stating that he would reimburse the money back to me! 

The guy kept demanding me money and got a phone call from the guy and demanded additional {$11000.00} which I did not sent him! He said I would have to turn myself in because I didnt make the pay and report to XXXX federal court house at XXXX at night, which they were closed! 

On XX/XX/21, I have reported this to the XXXX, Florida police department, case number XXXX I have reported this to the Florida trade commission:XXXX I have also reported this to capital one case number : XXXX And also reported this to XXXX XXXX and a refund was declined! 

I will be attaching all attachments I have sent to the XXXX Florida police department!