davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (NY)

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Consumer complaint received 2022-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (CA)

Hi, I have a problem with returning my car to Tesla. 

On XX/XX/2022, I returned my leased car Tesla XXXX XXXX back to the dealership. On the pre-inspection, I've got a recommendation to change my rear tires since they were used. Before returning the car on XX/XX/2022, I changed my old tires to new ones. 

After a few days, I received an invoice where Tesla wanted to charge me for the old tires. 
I told them that I changed them to new ones. They send me photos of absolutely different cars ( I understood that because in the picture all tires were XXXX ). But I changed them to XXXX with the same characteristics as XXXX. 

After I attached to email the recipe from the tire shop and tell them that they are cheating with evidence. They stopped replying to my emails and I don't have any updates. 

Please, feel free to ask me any questions.
Consumer complaint received 2022-07-01
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. (NV)

I have filed a police report and an identity theft report for multiple accounts on my credit report and they were removed and then more were able to somehow be opened after I sent In everything and also put a lock and fraud alert on my credit report. There is credit cards and loans that were opened in my name in the last year that is identity theft and the credit bureaus have been absolutely no help with all I have done to try and take care of this since 2020.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (OH)

There are several companies harassing calling repeat times a day. Claiming I owed them money from years ago that I thought were charged off. I don't know how they can keep changing the companies name saying same type stuff. Is this a scam? I am XXXX XXXX XXXX and don't know all the laws and rights. Can you look into this please.
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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 in connection with the collection of any debt. 

TRANSUNION NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

So as a veteran I am learning the importance of good credit. This was never taught to me. so in pursuit to this goal. I realize that i still had student loans on my on my reports. I then proceeded to dispute approx XX/XX/2020. I then called the Department of Education had them to send me letters and give me information to have a smooth dispute process. So after a successful phone submission on XX/XX/2020 I receive the up date. 

Its off my credit report good news right ; however, I then seen my score and instead of going up a 100 points it goes down 60 point  called for an explanation and not only was the employee rude and nasty to me the supervisor was very distasteful. Facts - I am a XXXX % XXXX XXXX   XXXX  veteran, i qualified to have all my loans forgiven and off my credit report ; when i realize it wasn't off my credit i corrected it. I locked my credit file to work on it. No new inquires and or accounts. I had 10 negative accounts and score was XXXX. 6 items was removed off my credit leaving me with 4 remaining negative accounts and drop 60 points leaving me at XXXX. 
This experience has been the worst how do i go down and i should have went up. They did not give me an explanation of why, was very rude, I feel like now they are standing in my way of credit freedom. I feel that they are apprehending me from my true war hero dreams and goals. I am a victim of abuse of office process and much more I need to speak to someone concerning this subject matter. 
Please and Thank you
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (AL)

I am attached to three student loans from XXXX formally known as XXXX XXXX. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with XXXX XXXX for the education institution called XXXX XXXX XXXX XXXX XXXX XXXX. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however XXXX  XXXX XXXX XXXX XXXX obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company XXXX, nor the education facility called XXXX XXXX XXXX XXXX XXXX .I have spoken with the Department of Education and they have informed me that Student Loans obtain through XXXX XXXX now XXXX can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and XXXX XXXX to clear this issue up I am still in the same place. I am a single mother of XXXX children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified XXXX of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (MO)

For the 20th time, I would like for Ad astra recovery to explain how I owe them money, in the last complaint, they said " They are a third party debt collector '', which means they bought the debt, so again please explain how I owe you money? 
Ad astra recovery has not provided any business or services to me, so to say I owe you money is FRAUD, If I hire a credit repair service, this would be removed, I am in the process of reporting Ad astra recovery and the credit bureaus to OCC
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a INCOME, INcome does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies. 
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. XXXX even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.
Consumer complaint received 2022-12-30
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

Dear Sir or Madam : I received my XXXX statement and scheduled an on-line payment on XX/XX/XXXX as what I did in the past 16 years. However, I found the payment was not carried out when I viewed my XXXX statement. So I used the on-line message system to report this problem at XXXX on XXXX XXXX. I didn't get any response. The credit card issuer stated some delay during the COVID19 pandemic. I contacted again at XXXX on XX/XX/XXXX and waited for almost 40 minutes and left a lot of message including what the problem is and how i want it resolved, etc. At the same time, I scheduled the payment for the balance from my purchase and left the fees from the problems. I didn't received any response specific on my request from the credit card issuer since XX/XX/XXXX. 
The XXXX statement keeps adding the fee to my account on the balance I am not responsible for. 
I save all the message with the time from the on-line message system for this complaint in case of request. 
At the same time, I found that the issuer closed my second credit card. I looked through the statement and the issuer took my points of about {$35.00} in XX/XX/XXXX. The claimed that this card was not point earned within a year. however, the second credit card had an annual dividend so that the issuer can't take my points. 
I realized that the credit card issuer has made mistakes and take money from its customers. 
Thank you very much.
Consumer complaint received 2022-07-01
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. (FL)

these companies had no permissible purpose to obtain my credit report ..... 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX, XXXX XX/XX/2022
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX allowed Midland Credit Management to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. Midland Credit Management closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (MD)

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I ordered a temporary driver 's license from my local DMV. Bank of America at my location refuses to accept it as form of identity.it is a valid temporary id from my local DMV. It's been two weeks I haven't been able to access my account I will soon be homeless because of this!!!
Consumer complaint received 2022-10-31
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)

on XX/XX/2022, I sent XXXX, Equifax and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2020-05-22
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. (MS)

I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX  and XXXX XXXX. This is the second time I have had to complain.