davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MT)

my XXXX XXXX went down XXXX points because my report is still showing a large balance owed to US Bank... why do charges almost immediately appear on my credit report, when my balance goes up... but payoffs take weeks to report?
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Firstly, this is a new complaint against the same mortgage company ( Nationstar ) as my first complaint was. 
In my first complaint ( XXXX ) I outlined the tardiness of Nationstar in completing the foreclosure on the property at XXXX, MN XXXX, a Condo. 
After my separated wife stopped payment in the XX/XX/XXXX, Nationstar appropriately notified us of a foreclosure action on XXXX XXXX, XXXX. My wife abandoned the Condo in XX/XX/XXXX-XX/XX/XXXX and later called to the bank to notify them that she was stopping the payments of the gas & electricity. Nationstar did not proceed forthwith to complete the foreclosure until the Sherriff Sale in XXXX XXXX ( Over three years ). In the mean time Condo Assn Fees, Late Fees, Attorney Fees and Assessments were accumulating. I just left the District Court with a Judgement against me for {$10000.00} due to their tardiness in proceeding with the foreclosure. Had they executed in a reasonable time, the damage would not have been so great. What would have been a reasonable amount is now a hardship. In addition, in my first complaint, I reported that the Nationstar management company was inept in protecting the Condo and in XXXX XXXX when I learned of the Zombie Home situation, I re-entered the Condo with the idea of renting it someone who could at least pay the Condo Fees. What I found was XXXX busted pipes from freezing, which cost {$3000.00} to repair.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc. (VA)

I was inquiring about a Tesla XXXX  XXXX and XXXX XXXX, and I was definitely interested in ordering one on or about XX/XX/2024 to XX/XX/2024. After filling out the prequalification, I started getting calls and emails from a salesperson named XXXX XXXX ( XXXX ) ( XXXX ). Her explanation was that the prequalification is based on my zip code, which honestly sounded fishy to me at first, having prequalified already at both XXXX and XXXX XXXX. I did not prequalify for Tesla according to the website, as it were. She later informed me that XXXX XXXX was one of the places they finance through, so that was even more confusing. I didn't think much about it at the time but eventually I figured out the catch. 

She was suggesting that I go ahead and apply for credit anyways, which I reluctantly and eventually agreed to do because, sure, I would like to have a Tesla XXXX. What's the worst they can say? No? I've been told " no '' before. I'm no stranger to " no. '' So finally I was ready. She walked me through the process for about a half hour and was kind of trying to push me into the next steps. I don't think she did anything wrong on her part, and my complaint is certainly not about her at all, but the last thing I learned about the Tesla ordering process left me very uncomfortable about the whole deal. So uncomfortable that I'm put off completely by it. 

She said I would have to pay the " non-refundable '' {$250.00} " order fee '' in order to apply for credit to purchase their existing inventory which I would also have to go fetch myself wherever it was located at, and they had existing inventory in XXXX XXXX XXXX XXXX. That's a no-go for me. Sure, I can go get it, no problem. That wasn't even a problem. I didn't even know that this kind of predatory loan behavior even exists ; I certainly don't know if it is legal or not, but it's definitely not ethical. Somehow, I thought I would be applying for credit first, but I was informed that I would not be able to apply for credit until after the order had been placed. These guys are definitely backwards. She said something like, " that's just how things work at Tesla. '' That's not how anything works in my whole life. So, sorry about that. Not today. Not ever. 

Let me be clear that I would never pay for the privilege of asking permission to borrow money, not knowing the terms of the loan upfront before " ordering '' anything. I am fairly confident this is some kind of a consumer loan scam.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc. (NE)

On the following dates, I received a robo call from this company: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time, it was a robo call and when I called back, they would hang up. On XXXX I called back and the person who answered refused to give the address of the business, any information required under the The Fair Credit Reporting Act, 15 U.S.C.  1681, and would hang up on me when I would ask for a mailing address or original creditor. After being hung up on, I called back and the person who answered shouted a social security number, date of birth, and drivers license number before I even had a chance to give them my name and then refused to provide me any information. Due to the violations of the Fair Credit Reporting Act and release of personal information, I will be following up with my attorney. I have asked them repeatedly to stop calling me and they continue to send me robo calls. If this continues, I will file a harassment suit as well in addition to the discharging of any claimed debt which I completely dispute. They also provided false information and after a complaint was sent to another company I was able to locate their information.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2024-08-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased an American Express Business gift card in a group of cards, {$1000.00} increments, in XXXX of 2021. I went to use my card on XX/XX/XXXX and it was declined. I had never even opened the envelope before trying to use it. I called customer service and they said I needed to email them a copy of the card, my drivers license and a copy of the invoice to XXXX. I did that on XX/XX/XXXX. They said I would be contacted within XXXX to XXXX hours, I never was. I called back and they said I needed to email the same information to XXXX, I did, and got no response or call back. I called back and they put me on hold and said yes we received your emails but it's taking more time to investigate for me to call back in 2 days. I did and got the same answer, XXXX more times.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> I sent XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MO)

On my XXXX Credit Report Uplift starting reporting a past due balance of {$970.00} as recent as XX/XX/XXXX. This company is included in my XXXX XXXX Bankruptcy as of XX/XX/XXXX. The status was showing bankruptcy petition and XXXX balance until XXXX this year. Ive filed XXXX disputes with XXXX letting them know the current status is incorrect and they should not be reporting any balance because they are on my bankruptcy and its that they are not supposed to be reporting any negative on my report after Ive filed. XXXX has acknowledged they see them listed under my bankruptcy but continues to say the account balance is accurate and will not make the creditor fix it.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Professionals, Inc. (WY)

In Complaint # XXXX the owner of XXXX, XXXX, stated in his answer on XX/XX/year> " As a courtesy to the consumer we have requested to have this account removed from credit reporting. '' This morning, I spoke with XXXX and XXXX and this has not been done, showing again, that this collection agency has given mistruths again and again and continues to do so. 

I have attached this morning 's XXXX report showing that this has not been removed as XXXX stated they would do along with the written answer to complaint # XXXX which XXXX stated they would remove it.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Upgrade, Inc. (MD)

On XX/XX/year> my checking and savings accounts with Upgrade, INC were suspended pending " investigation of unusual activity. '' Upgrade could not provide further information, and could only tell me that Upgrade would reach out to me via email eventually. 

On XX/XX/year> I received an email advising me that my account with Upgrade would be terminated and to fill out a form to have my positive balance with Upgrade disbursed to another account. I submitted it, and promptly received a disbursal of {$7.00}. 

However, Upgrade has failed to credit {$200.00} in Cash Back earned by using their debit card for the period of XX/XX/XXXX through XX/XX/XXXX, prior to the suspension. Upgrade has also failed to provide any reasoning at all for the suspension and eventual closure of the account, beyond " Unusual activity. ''
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (CT)

This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the Jefferson Capital company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow XXXX XXXX now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.
Consumer complaint received 2024-08-16
Product: Credit reporting 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. (GA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (WA)

Nelnet didn't honor my opt-out request from forgiveness for two of my fourteen loans. They agreed to opt me out over the phone on XX/XX/year>, but they didn't follow through. I had consolidated all fourteen of my loans prior to opting out, but Nelnet pulled the two loans out of the consolidation and processed the forgiveness. I am trying to get them to reverse their error and reinstate the forgiven loans, putting them back into the consolidation loan where they found them. 

Here is the timeline of events. Supporting documents are attached. *Note : my loans started with Nelnet and stayed with Nelnet after the consolidation. * XX/XX/year> : I received the email from the Department of Education which indicated that some or all of my loans were eligible for forgiveness, with an opt-out deadline of XX/XX/year>. ( See XXXX  ) XX/XX/year> : I decided to consolidate all of my loans together, and I completed the consolidation application on the Federal Student Aid website. ( See XXXX ) XX/XX/year> : I opted out ofthe student loan forgiveness over the phone with Nelnet, then followed up the call with an opt-out email and an opt-out letter through the mail. 
Nelnet will have a record of the call at XXXX XXXX Pacific Time. ( See XXXX ) I spoke with a Nelnet advisor who stated that heunderstood my request to opt-out of the forgiveness of the two loans. We spoke at length to identify the exact loans I was referring to -- the two flagged for forgiveness -- and he assured me that theopt-out would be done. 
The email was sent at XXXX XXXX Pacific Time. ( See XXXX ) The letter was sent via USPS Priority Mail. ( See XXXX the email attachment ) Proof of delivery on XX/XX/year> is available if needed. 

XX/XX/year> : Nelnet sent an email toreview the details of my consolidation loan. The details were correct, with a count of 14 loans in the consolidation, for a total of {$97000.00}. ( See XXXX ) XX/XX/year> : Nelnet sent an email stating that they had processed the forgiveness on the two loans. ( See XXXX  ) Because I had requested the opt-out in time, I was expecting Nelnet to resolve this error. 

XX/XX/year> : Nelnet sent an email stating that the consolidation had been finalized. ( See XXXX ) After that, they sent another email stating that some loans had been removed from the consolidation and the total had been adjusted. ( See XXXX ) The loans that were removed from my consolidation were the same two loans for which I had opted out of forgiveness. The amountof my consolidation loan was adjusted from {$97000.00} to {$93000.00}. ( See XXXX ) Oddly, in my Nelnet account there is no record of my two forgiven loans being paid off via any type of forgiveness. Instead, they retain the appearance of being paid off via consolidation, albeit with the adjusted, lower {$93000.00} figure, rather than the original {$97000.00}. ( See XXXX XXXX XXXX )
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted my 1st complaint with CFPB on XX/XX/year> regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX Account # XXXX 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Consumer complaint received 2018-05-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

The complaint is about Wrongful Reporting of XXXX Resulted in More Taxes and Suffering. 
Mr Cooper had given wrong numbers on my XXXX ( Box 5, MIP ) for the years XXXX and XXXX, which resulted in more taxes to be paid. They ended up correcting the XXXX for both years, but that was not proactive on their end and took me several attempts to convince them that they gave me wrong numbers. During the conversation over the phone, some employees referred me to some bogus, not-real IRS laws that don't exist, and when I asked for a reference to those laws, they backed out and tried to change the subject, and ended up connecting me to a manager. I have been trying to amend my XXXX tax return, but the allowance I wanted to use for XXXX MIP deduction has expired and no longer available, which resulted in me overpaying taxes to the IRS that I can't recoup due to their delay in correcting my XXXX 's. I asked to be reimbursed, but they declined my request. I had to send too much time researching and trying to amend my tax return, but it ended up time and money consuming, and worthless due to expiration of MIP deduction allowance. They denied responsibility and refused to help even though it was their mistake. I think that might have happened to many people most of which don't know. They did tell me that they updated the IRS on my corrected XXXX 's and that was all they had to to. 
The main issue is that I had my closing around XX/XX/XXXX, where Closing Costs included advanced payments of MIP and else that I agreed to pay at the time. I got my XXXX for XXXX in XX/XX/XXXX and they included only about {$120.00} of MIP paid which I thought was accurate, then I got my XXXX for XXXX in XX/XX/XXXX, which had about {$1300.00}. By reviewing Closing documents from XX/XX/XXXX, I noticed that what Mr. Cooper reported for my MIP in XXXX XXXX was wrong. I had contacted them several time via email and even phone calls, but they denied my claims since they were sure their numbers were accurate. I had to ask to talk several people to over the numbers and insisted that the numbers were wrong, which they started to question but started referring me to IRS law that did not exist to justify their wrong reporting.I ended up asking for verification and references for those laws, and that's when they panicked because they were in violations of some laws. They asked me to allow more time to investigate AGAIN and ended up sending me an updated XXXX for year XXXX with MIP ( box 5 ) amount of {$3300.00}. I am not sure if they did that to others, but the way they received my claim and lack of seriousness caused me lots of frustration and over payments of taxes. They declined responsibility and want me to take the burden of their wrong doing, including my time, money and frustration. 

I can provide more documents upon request.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received