davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc. (NV)

I am writing to file a complaint regarding a series of serious issues I have encountered in my interactions with XXXX XXXX, XXXX XXXX XXXX XXXX, and associated repair centers, which have resulted in significant financial and personal losses. 

Issues Encountered : Refusal of Repairs at Licensed Centers : After an accident on XX/XX/2024, I reached out to two licensed XXXX repair centers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX. In both cases, the damage assessment took an excessive amount of time ( over a week and two weeks, respectively ), and I was then unlawfully refused repairs. Additionally, the second center damaged the vehicle by breaking the driver 's window. 

Delays and Poor-Quality Repairs at XXXX XXXX XXXX XXXX XXXX After being refused service, I turned to XXXX XXXX XXXX XXXX XXXX XXXX the damage assessment and parts delivery were also delayed. When the repairs were finally completed, they were defective. The staff at the XXXX XXXX location in XXXX XXXX also did not have name badges, making it difficult to identify those I was interacting with. 

Significant Delays in XXXX XXXX and Repairs : I expected the entire repair process to take a maximum of XXXX  days, but as of XX/XX/2024, my car is still not ready it has been XXXX  days. XXXX XXXX XXXX XXXX also failed to provide the necessary documents for DMV vehicle registration, resulting in numerous fines for late registration. 

Poor-Quality Repairs and XXXX of a XXXX XXXX : Upon inspecting the repaired vehicle, I found external defects ( photos available ) and was denied a test drive to check for internal issues, which violates my rights. I demand an immediate test drive to identify any possible internal damage. 

Delayed Submission of Documents to XXXX XXXX  : XXXX XXXX XXXX XXXX delayed sending the repair documents to XXXX XXXX  by several weeks, which delayed the processing of my bank check for the repair payment, impacting my financial situation and credit payments. 

XXXX XXXX : Due to these issues, I have lost significant income, losing {$200.00} on weekdays and {$300.00} on weekends. Over XXXX days, my direct and indirect losses amount to between {$11000.00} and {$20000.00}, with these amounts continuing to grow as I remain out of work. Additionally, XXXX fines have reached {$2000.00} as of XX/XX/2024. 

Communication : XXXX XXXX XXXX XXXX has ignored my emails for 10 days. 

Legal Violations : XXXX XXXX XXXX : Violated by providing substandard services and refusing a test drive after repairs. 
XXXX XXXX XXXX : XXXX 's monopolistic control over parts supplies infringes on consumer rights. 
Failure to Provide a Translator : A violation of U.S. law, as I am unable to effectively communicate in English.
Consumer complaint received 2020-01-13
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. (PA)

XXXX County Court Pleas continues to furnish information on credit profile. Late payments are causing scores to deplete. With the false payment history, this is against FCRA Guidelines.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

After I asked for a forbearance the mortgage company offered three months, not six. Then began many confused and erroneous communications. First they said I was late on the payment after confirmed for forbearance, then they retracted that. Then I was told I needed to pay escrow and then that was retracted. Finally the forbearance seems to be real but almost entirely useless because the entire amount is due at the end of three months. 

The point of contact has intermittently replied and then ignored me for many days. 

I was told that after the three months, I would have to pay all three months of forbearance in one lump payment. This is a useless and not acceptable solution. 

My understanding is that the CARES act informs mortgage servicers to behave differently. 

When on Friday XX/XX/XXXX, after being on hold for 1.5 hours, I finally got to speak to someone about these concerns, the man on the phone told me that the forbearance payment being due at the end of three months was not negotiable. When I asked why, he said the investors had not approved a deferment. When I asked what I could do about this situation ( I asked this question in at least three different ways ) he told me that I could make a payment. This was the solution offered. I have never paid late and have excellent credit. I own a XXXX XXXX XXXX XXXX XXXX and my family lives on the money this business generates. As everyone knows, all public events are cancelled and therefore my income is XXXX. There was no effort by the mortgage to take any of this into account. 

I have read the latest CARES act rules and this is an affront to both myself and the law.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland XXXX XXXX and XXXX XXXX with the same midland company over these debts. I sent a letter for me to appear in court never have I opened an account with them but I noticed it was the same place I only receive oil changes. I requested the information and before I received the information I received a letter saying Im being sued for XXXX I just dont know what to do next.. I report fraud and I also froze my credit report.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute over a faulty product with my bank. I paid for a new screen for my XXXX. I brought it home and when I tried to use it, the a crack showed up on the screen. It was a defective product so I filed the dispute. Chase contacted me and said I won the disput and that the temporary reversal of funds would be permanent. I then went to XXXX where a month later all my money was taken from my account with no notice and Im stranded here with no money. Chase has not fixed this issue and this has caused me loss of safety in another country and fee for other bills not being paid. 

Chase said the merchant proved they provided a service. So they sold me a new XXXX screen which had a crack in it and the paperwork saying the sold it to me was enough? The service they sold me was defective. It never received a working XXXX  screen yet you overdraw my account because they said we provided a service. I called and told them I have photos of the XXXX  with they merchants temporarily screen cover still attached. What other proof do I need?
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On Saturday XX/XX/2020 I had receive a phone call from the bank about a transaction at XXXX. Someone took XXXX out my account. I called the bank back and informed them that it was not me I was out of town that day so they mailed me a new card in the mail. On Sunday XXXX XXXX I seen that another XXXX was withdrawn I was still out of town I called the bank filed another claim. I got a respond to my claim when I had called the bank a few days later they stated that they denied the claim. I asked what reason they told me video footage. I ask the how can that be when I was out of town. They told me I can file a rebuttal. So I sent flight information as well as my photo ID they denied the rebuttals due to inconsistency. I asked them what inconsistency where there. No one could provide me with a answer. And they stated there is nothing else I could do.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I did a credit check and an inquiry that was made with TD retail card services wasn't by me. Someone either tried to open an account or has opened an account under my name with TD bank. This has also caused my credit score to go down.
Consumer complaint received 2021-01-04
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)

My car loan was paid off in full. Instead of it reflecting that XXXX only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great XXXX  because I cant obtain a home for me and my family
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Synovus Bank (GA)

I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, and this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm really concerned and am requesting that the documents I've sent be thoroughly reviewed so that I can put this worry behind me once and for all.
Consumer complaint received 2020-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I have been disadvantaged by Fedloan whom I consolidated all of my student loans through in 2016. I used XXXX ( Nonprofit organization that I paid nearly {$400.00} dollars to assist me ) to consolidate the loans and this triggered for me to receive an application for the Public Service Loan Forgiveness program. At the time that the consolidation went through, I was told that I my PSLF application was accepted and approved and was placed on an affordable monthly payment. To my dismay, a year later while dealing with Fedloan to recertify for the employment aspect of the application, I would be told that I was never in the program due to them not receiving my application. Although I completed the form and submitted it multiple times to Fedloans ( faxed and emailed ), their representatives ( multiple conversations related to this topic ) would argue that they never received nor processed an application for my account. 
Over the course of a 5 year time span, I feel that I have been mislead and given very misleading information regarding my original application, its approval ( which I was told eventually that it was never processed because they never received the application despite multiple submissions ), payments made to Fedloan ( which the ones that were made I would later learn were never applicable to the program because of Fedloan mishandling/mismanaging my application ) and repayment options in which I was forced to go on the income driven repayment plan after multiple attempts to have successful reviewal and acceptance of the PSLF application. I have also been forced into a perpetual state of student loan forbearance because of my inabilities to afford the loan amounts that have been assessed to my account. Now that there is an active litigation process going on, I would like to become part of the movement in order to receive recompense for my loans that are now much higher than they originally were due to interest and penalties that have been applied to an already six-figure student loan debt. I am struggling and need intervention with this situation as I am drowning in debt and am unable to afford payments at this time under the IDR program.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

Hello, In late XXXX of 2018 I was looking at the possibility of moving into an apartment in Florida and filled out an application with the apartment company that included an application with XXXX XXXX XXXX. Then I decided NOT to move and did not finalize my application with the apartment company or XXXX XXXX XXXX. I never agreed, was billed anything from, or was even contacted by XXXX XXXX XXXX, however over 1 year and 6 months later, I received a collection notice of {$71.00} on my credit report ( screenshot attached ). The collection reason was that XXXX XXXX had " tried to contact me and was unable to reach me ''. However, this is false as I never received any communication from then. 

After seeing this on my credit report I was confused so I called XXXX XXXX to see what the problem was. After speaking with them, they admitted that it was in fact a mistake and that they would remove it from my credit report. However, the company instead marked it as a " paid collection '' on my credit report even though it was a mistake and should have never been there in the first place because I never owed anything to XXXX XXXX XXXX. After seeing this, I called the company again to ask them to remove this from my credit. They then said that they would tell the collections company " ONLINE INFORMATION SERVICES '' to remove it from my credit. However, this is still on my credit.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-01-16
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. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2020-01-15
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. (SC)

So in the month of XXXX I sent validation and verification letters to transunion and XXXX  asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me thank you.
Consumer complaint received 2021-07-14
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: AMERICAN HONDA FINANCE CORP (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I just received derogatory mark on my Credit report. I was never mailed any invoice from Debtor. The Debtor may not have had my address on file and sent to an older address. I have been divorced and remarried for nearly 5 yrs now. This is the second time this has happened to me. Please help!
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I have a coupon and a Credit in XXXX and I have been trying to use it, but it is not available in my account on XXXX. I decided to call several times and waited a few times for an hour or more. I finally could get a call back from XXXX and the Representative said that they would give me a Refund, but 3 minutes later he refused to apply for the credit of {$370.00} USD. to my existing fly or book a new flight. I asked for a manager and he refused to transfer me, instead he hung up and never called back. XXXX is keeping my {$370.00} USD and has not paid me back or let me use the credit for a flight. I bought two flights with XXXX in which I could have used my credit, but they refused to make my credit and points to recently book two flights. I need the {$370.00} USD money to my credit card. As we all know if the credit expires, they are able to keep the clients money. I have a total of XXXX Qualifying Nights earned on your card : 6 night ( s ). It has been a few years since I tried to claim the XXXX nights and they did not grant it. 


Thank you
Consumer complaint received 2021-07-14
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. (FL)

According to the FCRA and the FDCPA by law, XXXX, XXXX  and Transunion are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on XXXX  and Transunion are two different amounts.

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE