davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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: TRUIST FINANCIAL CORPORATION (WV)

XXXX XXXX XXXX XXXX  pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> truist bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed thank you
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (AZ)

I originally placed my order on XX/XX/XXXX and was approved for a 24 month lease with {$0.00} down. With all fees included, my lease offer was {$660.00} monthly with {$2400.00} due at signing ( quoted {$620.00} monthly at the beginning of the application ). Right before scheduling delivery, I became aware of a price cut for leases on the same vehicle on the Tesla website. Earlier today, my original lease terms were cancelled and I was informed I could submit a brand new application to get the current terms listed on the site. When I completed the application, I was quoted the lower terms that are currently shown for new customers ( quoted {$540.00} at the beginning of the application ). Upon approval of my lease application today, I was given the exact same terms ( {$660.00} monthly with {$2400.00} due at signing ). Before deciding whether or not to take delivery of this vehicle on XX/XX/XXXX, I need explicit written confirmation from the Tesla financing department of which is true : A. The new application I submitted for a lease today on XX/XX/XXXX was disregarded because I originally placed the order on XX/XX/XXXX and was approved for/accepted different lease terms originally. Because it was the second lease application I placed on the same order, the lease offer was defaulted to the original terms despite price cuts for new customers. B. The prices shown on the Tesla website and at the beginning of the application are given to select customers based on credit approval. Even though the estimate started lower for the new application on XX/XX/XXXX due to price cuts, Tesla Finance is only able to approve me for a monthly payment of {$660.00}. Therefore, even if I cancelled this order and placed another with a brand new lease application, Tesla Finance will still only be able to offer me the same {$660.00} payment for my individual credit profile, regardless of the order its attached to or changes in terms at the beginning of the application process.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd 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 2023-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

This company is attempting to collect additional charges for services not rendered. This policy was canceled in XX/XX/2023. The final payment was made in XXXX of 2023. The company generated a new charge and billed for XX/XX/2023, at which time I did not have an account or billable services. I have attached supporting documents and would like this account removed from all credit agency reports.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (MO)

I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. XXXX, Experian XXXX all XXXX bureaus violated my rights under FCRA Sections XXXX ( a ), XXXX, XXXX ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This i my second attempt for these CRA 's to do as they are required to by federal lawand for the protections and privacy act of 1974. As a consumer, I am protected and I also have a right to opt out of reporting, i was never given proper disclosure and they never had my consent to furnish any of my information and that is a violation. Each reporting is a charge of XXXX and theres several and there's been XXXX 's. I also am promised that my consumer reports will be accurate at all times. I just need to notify you all. I have done that and nothing. I am not being treated faily and these persons act like thgey have the authority and the right to act on my behalf ... NOPE. I never consented to any inaccurate and negative and stressful reporting experience. 

If there is a collection, charge off, or written off and still on the reports by these agencies, they are violating the law and they are to pay me XXXX for each error. 
They are also a certificate of indebtedness and they are to have filed a XXXX, which they can not prove they did and they still report these damaginbg and harmful marks on the reports that i have a right to credit and what goes and not goes on my files. I have several late payments that are also inaccurate and are not correct. I have never been late or missed any payment. I need all these mqrks to be updated and to remain on the report for the history that i need for all the accounts that it applies. I did not consent to any of these agencies reporting inacccurate and furnishing false an unauthorized transactions. I need all accounts to show PAD in FULL/ PAID AS AGREED/ CURRENT Omit all the Bqlance due and balance owed and credit limit. i should have unlimited. Stop damaging me. I did not consent to anything that causes me pain and stress and damages me and my character. I am the consumer and written consent authorizing each and every single reporting on my files and consumer reports. 
i need these Consumer reporting agencies to update and correct these accounts without delay. I also demand that they send me proof of all the proof and concrete evidencec in the mail to me for evidence. They will not be able to because they violated me and damaged me. They must correct and update my reports and send me a copy with all the changes that they corrected because it is their fault and they need to pay for the abuse.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC (TX)

I've just learned that XXXX XXXX XXXX has gone around my back yet again to deliver more false info, this time being my address, or XXXX associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " XXXX '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...
Consumer complaint received 2024-02-27
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. (NC)

I recently reviewed my credit report and noticed account 's that where not reporting accurately. I had multiple late payments for account XXXX and XXXX late payment for account XXXX i was in fact paid on time for both of these accounts. The consumer reporting agencies have to report all information with complete accuracy. These accounts have not been late on payments i have attached a copy of my report and proof of their investigation with no statement no copies from creditor showing validation of me being late to this complaint. On XX/XX/2024 I disputed these accounts with no proper investigation when results came back just updated as verified, Experian under FCRA section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ) are in violation and can face major penalty. I'm now requesting you to investigate and provide verifiable proof with records i had late payments for both accounts. If this information can not be validated i demand these payments be updated to paid on time or these accounts be deleted from my credit file immediately, thank you for understanding and prompt action.
Consumer complaint received 2024-02-26
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. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

I'm feeling real XXXX about myself because I can not get an extension of my own credit due to the finance manager not knowing the law. I have tried explain and referencing the law but due to him doing it " his way '' all this time. He will not listen. I've also asked for the underwriter number and he would not disclose. He keeps giving me his opinion I am not creditworthy, I AM credit worthy. I told him to show me the law of what determines credit worthiness and he could not. I can't even begin adverse action because I've called the bank and they said they have no access to my application only the dealership does. They are discriminating against me. The so called finance manager 's number is XXXX. He violates 12 CFR 1002b, 15 USC 1642, 15 USC 1681m. They've ran my social security number and I've received no benefit. They also sent my application to 2 other banks without telling me because to knowledge I've only said I wanted to finance with XXXX so that's fraud causing 2 more hard inquiries in 1 day. For VIN XXXX XXXX
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (OK)

My debit card is part of a fraud investigation so the bank has locked my card. I live in Oklahoma and there are no Huntington banks near me. I asked XXXX to expedite my card because I have no ability to get to my funds, and he proceeded to tell me he would charge me {$25.00} for the card. I asked him to waive the fee due to the circumstances and he refused to waive the entire fee. I told him I was not ok with the fee being charged to my account but if that is the only way to get my card then I guess he would have to do it but I was not ok with it. I told him I would speak to his supervisor on Monday in regards to the situation and I feel like it is extremely poor customer service to have your customer get the money stolen by the bad guys and then for the bank to steal my money as well is just not very customer oriented. This is not the first run in I have had with this bank. They have refused to give me my money once before and that seems to be their motto.
Consumer complaint received 2023-06-05
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. (TX)

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. 

The letters are stated with items and issues. 

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 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

Experian has been very professional in working on my case. And very helpful. 

The website, however, will not allow any uploads. I have been attempting to upload it since last week changed it to all black and white docs and PDFs, and modified docs several times, but it still says I can not submit documents. 

SO this is just an issue with the tech in being able to upload documents only-
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

I am writing to dispute a closed account that appears on my credit report with an updated account balance. In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 USC 1681, Section 602, which states that I have a right to privacy.

Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. This account is closed and still reporting on my consumer report with out my consent, and needs to be removed immediately.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive been a customer at Bank of America since it was XXXX XXXX in 1990. Ive had the same account Ive never had fraud. Ive never had anything suspicious anything out of the ordinary in my account and on XX/XX/XXXX from the hours of around XXXX  until the following morning I had 97 transactions ranging from $ XXXX {$48.00}, taken from my account via XXXX XXXX with a XXXX XXXX  name of XXXX XXXX reverse transaction so therefore the bank was even confused thinking it was something that was already in the process of being reversed, but they were using it as their name to clever to trick and did not worry about wouldnt think it was anything to the point Not only overdrawing my account but 97 transactions totaling {$3700.00} I disputed the transactions without even a days time Bank of America declined all of them and told me that you know the final and it just doesnt seem right to me. Ive been at the bank for 34 years never has happened now that I am XXXX XXXX XXXX and I feel like theyre not concerned or theyre not trying to help me because Im XXXX  now and I guess Im not a priority. I feel like they robbed me blind and they allowed it to be done almost like maybe its possibly an inside job with somebody in the bank I dont know but its XXXX XXXX XXXX. Id barely know how to use XXXX XXXX and I take out 97 transactions overdraw my account. Im not retired, but I dont make money like I used to when I was younger and I cant afford to lose money like that and just be pushed to the wayside and absolutely nobody care or be able to give me a reason as to why not..
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I unfortunately fell victim to a rather sophisticated online scam while engaging the services of a company called XXXX for my XXXX XXXX XXXX. After realizing this, I promptly informed my bank and sought their assistance in obtaining a refund. Initially, the bank provided me with temporary credit as a gesture of goodwill, but regrettably, they unexpectedly reversed the credit without notifying me beforehand.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke with a customer service rep that I had a check from my finance company and how long would the hold be and the rep stated if its with a company its a one business day hold a personal is seven business day hold. Once I wade the deposit I was told it's a seven day hold on the check. All these reps always give false information regarding people money!
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

Someone used my identity to apply for credit cards : 1. Discover - opened XX/XX/year> 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 2023-08-25
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-25
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.