davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (TX)

Hello, Since my auto lease was offered to me by my local XXXX dealership in XXXX XXXX, Texas on XX/XX/2023, I was told that US Bank passes the new-for-2023 Inflation Reduction Act ( IRA ) {$7500.00} Plug-in Hybrid Electric Vehicle ( PHEV ) tax credit to its leasees by adding the {$7500.00} to the residual value line of the vehicle. After signing the contract just before the dealership closed on a Saturday evening, I forgot to look at the line items of my lease contract, but since the dealership did not give me a copy of the contract, I did not have a chance to double-check it. 

A few days later, after calling US Bank to check in with them since I had not heard from them, I finally got my hands on my lease contract. I was shocked to NOT see the {$7500.00} in the residual line, which my dealer 's Finance Manager, XXXX, advised me was where the tax credit should be. I immediately called US Bank 's leasing department asking for clarification and of course, proof in writing that the {$7500.00} is indeed within the residual value line. 

I have been given the run-around by US Bank for three weeks now. I have asked for supervisors and even spoken to the " dealer '' option in their call tree, yet, no one, and I mean no one, has any domain expertise in leasing, which is shockingly frustrating, as one can imagine. How can a leasing department of a publicly traded firm not know almost anything about how their leases work, and when coupled with XXXX expertise in the new IRA tax credits for PHEV vehicles, it makes for many inane conversations with leasing reps at US Banks who know nothing about the {$7500.00} tax credit or where it shows up in the lease contract, if it does ta all. This seems super shady and super frustrating. No one at US Bank cares to call me back to resolve the simple issue of proving that the {$7500.00} tax credit was passed on to me in the lease. Seems very simple, but it has taken me moving heaven and earth to get to this point. In 2023, this is a shockingly negative customer experience for me and the levels of non-informed people in the leasing department at US Bank is really astonishing.
Consumer complaint received 2023-05-03
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. (NJ)

XXXX XXXX and XXXXXXXX XXXX, along with credit reporting agencies such as Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX  and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Consumer complaint received 2023-05-03
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. (AZ)

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (AL)

I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 ) I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC (AL)

In a recent interaction with a debt collector from Valor Debt Collection, I experienced unprofessional and disrespectful behavior that I believe violates the Fair Debt Collection Practices Act ( FDCPA ) guidelines. The debt collector, who did not provide their name, asked me if I had a job in a condescending tone and then abruptly hung up the call, preventing me from discussing my situation as a XXXX veteran. This conduct not only demonstrated a lack of professionalism, but also constituted abusive practices prohibited under the FDCPA.
Consumer complaint received 2023-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I got an email stating that my identity report did not meet the guidelines established by FCRA because i didn't file with law enforcement. Reporting to law enforcement is to in the FCRA so this should not be the reason. I reported to the FTC which was encourage by law enforcement.
Consumer complaint received 2023-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (IL)

In early XXXX I received a letter for a trial period to complete before a loan modification would be granted. I completed the period early. I have documented every payment. I was told to wait 30 days for the new loan documents to be sent. I have informed delivery on and the documents were never sent. I confirmed this with their rep XXXX. I asked for the tracking number or proof of sending them certified, and he agreed there was none. I was sent to foreclosure in mid April for 'not having the documents notarized and returned. These documents, they have no record of ever sending. I have called every 3 days as recommended to follow up and be sure I was moved out of foreclosure and the documents could be reprinted and sent by certified mail. Finally on XXXX I was told the documents were generated and I have to call back on XXXX to see about certified mail tracking number. When I called today the rep said 'Wait 30 days and we will send them in the mail '. This is NOT acceptable. CCM failure to send the documents in XXXX led to be being thrown in foreclosure once! I asked to speak to the supervisor 3 times on this call and the rep started reading a script about partial claims program, and ignored my request. Since the documents WERE approved to be reprinted on Monday, its unacceptable to go 30 days without any proof or tracking on them in HOPES that CCM performs their responsibility and I still don't have confirmation that I am out of foreclosure due to their error. Finally their rep, XXXX told me there is no team lead or supervisor that can speak to me. This is unacceptable.
Consumer complaint received 2023-05-03
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. (TN)

XXXX is reporting to experian as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from experian today XX/XX/XXXX that as of today XXXX is showing an amount of {$150.00} which is incorrect.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

My idenity was exposed an released by experian an i dont know what to do an XXXX XXXX is a complete joke i dont know why i have hard inquiries non of that im not applyomg for anything this is experians fault an the ecknowlefged that as well dates are researchable
Consumer complaint received 2023-05-03
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-03
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. (IL)

XXXX XXXX XXXX Department XX/XX/2023 Re : Request for Addition of Credit Information To Whom It May Concern, I am writing to request that you please include the additional information attached to my credit history report. You may verify this information with the source and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history with XXXX XXXX be added. This will justly reflect my payment history. Therefore, I request that you immediately verify and add the enclosed payment history to my credit file.Enclosed is closed proof of my account since i got added onto the credit profile Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above. The FCRA states " a consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' By adding this information to my records it will help to reflect a more accurate credit history report. If you require that this information be submitted to you directly from the source, please indicate the procedure and your fee to fee to add this information. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-05-03
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. (NC)

I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment ( s ) is reported to Experian and XXXX, and I am requesting the removal of these late payments, as it has been reported to the Bureaus.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 a account without my written instructions.

all wrong address must be deleted.
Consumer complaint received 2023-05-03
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (TX)

On XXXX XXXX I woke up for work to find my car missing from my driveway. I thought my car was stolen so I called XXXX XXXX police department. I started crying as my husband died a year ago from XXXX and I have XXXX children who need to go to school and I only have one car. The police called back and said it was repossessed. 
I was in shock as I was not behind on any payments. I have a title loan with Loan mart and I was a few days late but I paid over on the payment in XXXX and have never been late so I couldnt understand why it would be repossessed. 
My kids had to stay home from school and I had to get a XXXX to work I am a XXXXXXXX XXXX. 
I called Loan Mart and they were extremely cruel to me stating that they didnt repossess the car because I was late on a payment but because I didnt send them a piece of paperwork ( not the title ) that they needed a physical copy of. 
I sent them an electronic copy of it but no one told me I needed to send a physical copy. 
They told me they tried to contact me but I only received one of two letters in the mail asking for documentation and I couldnt understand what they needed since they had my title. I have been XXXX XXXX since my husbands death and can barely function so I was not able to as what exactly they needed. 
At no point in time did they ever tell me my car could be repossessed. 
XXXX started getting extremely nasty with me about why they were justified in taking my car for paperwork instead of calling me. Even though I told her I was XXXX XXXX XXXX XXXX 
I had to pay {$480.00} to get it out of impoundment and then they made me wait until they received a signed piece of paperwork of what I didnt know they needed a hard copy of until they would let my car be released. 

Loan Mart makes money from towing my car never mind the high interest rate on this loan. I had to rent a car which cost me even more money and I was at work while she was humiliating me on the phone. 
As a XXXX  this was one of thee most disturbing things I have ever experienced. 
I was literally trying to XXXX XXXX XXXX and It was like the woman didnt matter. 
All that mattered was paying the grossly high towing bill and yelling at me for things that were out of my control. 
This is predatory lending as they moved my XXXX payment to the end of my loan and humiliated me at my job. 
I did call them a couple of times to give them my new number and I really didnt understand what they wanted from me because they had the title to my car. 
I have never been late on a payment and I am now being further punished by extra fees for car impoundment and rental cars and my children missed school. 
These lenders dont care whose lives they ruin.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/23 I sent a money order via mail, I buy a tracking number, in the amount of {$350.00}, to a po box provided by them when I called. 
I tracked the mail and they received the money order on XX/XX/23 and cashed. 
I called explain the situation and they refer me to send email to the research department, I did it, they mentioned they need the need proof of, I include pictures of the money order back and front, they respond to me stating that they received a payment made over the phone on XX/XX/23 ( like nothing to do with the request in regards to the missing payment ). 
I send 3rd email explaining everything again and include ALL DOCUMENTATION again and they respond to me stating the need the back and front of the money order when is been sent more than 3 times so I need help please because I dont want loose my money. Thank you
Consumer complaint received 2023-05-03
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these has violated my rights. 
15 U.S.C 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. 1681 s-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 2024-10-18
Product: Credit reporting 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. (MI)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Hello! 

I had a homeowner 's insurance expiry on XX/XX/2023. Prior to this date I had found a less expensive provider. I instructed my insurance agent to submit, in writing, notice to the loan servicer that we would be changing companies. 

I also forwarded this notice to the loan servicer as well as having verbal phone contact with them to notify them of this change prior to XX/XX/XXXX. 

The payment was made by the servicer to the new insurer. The servicer, without explanation, also conducted a second duplicate payment to the previous insurer without authorization. 

I submitted a complaint to them regarding this the week after XX/XX/XXXX. I received a letter from the servicer in XXXX stating that they would be conducting an investigation of what had occurred. On XX/XX/XXXX I called the servicer again to request explanation and a conclusion of the investigation. I asked that they provide, at minimum, an expected deadline and conclusion to their investigation. 

I have not heard from them since the XXXX letter in regards to this complaint.