davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion denied me access to my personal credit report again, i have issued a previous complaint on the same issue back in XX/XX/year> : case : XXXX. They are denying me my right by law to access MY personal credit, again. This is an egregious and unacceptable violation of the FCRA 15 U.S.C. 1681 et seq which allows me unfettered and reasonable access to MY PERSONAL INFORMATION being held and reported but this rogue credit reporting entity who is hiding behind the " protection of my identity '' or verification of such when i have provided them with consistent identifiable markers of information that the other bureaus have accepted as fact and correctly so. Transunion continues to operate outside the law and sits in opposition of the consumer demonstrating benevloeece towards their customers the lenders and financial institutions. This is unacceptable and will be met with vigorous defense of my rights as a US Citizen and consumer by my attorney if not immediately made avalible to me.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (UT)

XX/XX/XXXX at XXXX XXXX UTC I received an email stating I was not approved for the Gold Sky Miles American Express card. 

XX/XX/XXXX at XXXX XXXX UTC I finally got through to customer service who transferred me to New Accounts department which is based out of XXXX. I spoke with a woman who, when I asked to speak with an underwriter refused and asked to help with the issue. 

I stated my issue as I gave my social security number and didnt get a service in return. My social security number is a financial instrument for American Express. I wish to rescind my authorization of my social security number. 

She then transferred me to her supervisor who verbally promised that all personal information used in the application process is stored for a limited amount of time in our computer system then deleted. I asked for a written statement of this procedure for timelines, date and sufficient evidence that thats what the company will do since I was not approved. He said he could not provide that statement. I asked to rescind the use of my SSN ( which is a financial instrument for them ) again and he said he could not do that. I then asked to be sent to a legal department and again, underwriting and he said there were no such departments to contact. He gave me an address to send mail to the media team from an XXXX XXXX in XXXX, UT instead. 

So now Im worried for the abuse that my social security number may incur without my knowledge while simultaneously been given nothing in return for my social security number which has become a financial instrument for American Express. Also, that incompetent supervisors are the top escalation for these processes? He had no knowledge and absolutely no empathy for the depth of the situation involving my personal information. 

I demand an open ended credit line for the use of my SSN which I can not rescind/take back as well compensation of {$50000.00} for the inconvenience and negative emotional as well as mental impact the situation caused. The stress of explaining the situation to multiple representatives of a company who took my personal information with zero empathy and zero acknowledgment is so sever theres not even a price tag to put on it. {$50000.00} seems the least they could compensate me for the mistreatment and blatant fraud. 

EVIDENCE : 1. American Expresss card agreement. They blatantly state that negotiable instruments a.k.a financial instruments are also used to pay accounts. They, themselves use this terminology so I know for a fact the representatives I was speaking to also understood what I meant and what I was needing. 
2. GLBA classifies SSN as financial instruments 3. UCC 8 proof that my SSN is a security 4. Securities Act of 1933 outlines American Expresss role as Issuer of Securities and my role as Investor. They are punishable under the SEC and I will escalate this to them if my demands are not met.
Consumer complaint received 2024-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I encountered the following XXXX issues with Shellpoint Mortgage Servicing, the primary issue being that they stole {$25000.00} from me ( they took {$50000.00} from my bank, only applied {$25000.00} to my loan, and are currently refusing to return or credit to my account the other {$25000.00} ) : XXXX ) On XX/XX/year>, I attempted to make a {$50000.00} payment on my HELOC to Shellpoint Mortgage Servicing. This was allowable as per my original terms of agreement with XXXX XXXXXXXX XXXX before they transferred my loan to Specialized Loan Servicing, who then transferred my loan to Newrez XXXX Shellpoint Mortgage Servicing. Shellpoint did not allow a {$50000.00} payment. When I called the company to inquire about this they informed me I could only make a {$25000.00} payment. This violated the rule that terms of agreement on a mortgage must remain when transferred to a new company. It also required that I pay additional interest as I would have to wait to make the second {$25000.00} payment. 

XXXX ) I made XXXX {$25000.00} payments to Shellpoint ( totaling {$50000.00} ), which were taken from my bank account on XX/XX/XXXX and XX/XX/XXXX respectively. One payment was credited to my Shellpoint account XX/XX/XXXX. The other never posted to my account. When I called Shellpoint to inquire about the issue, they confirmed that they lost my other {$25000.00} payment. They refused to call me back and forced me to wait on hold while they looked for the payment. They eventually found it, acknowledged that they took the money, but did not credit my account. Rather, they said they had to " look into it '' and that they " may '' contact me about it, but refused to assure me that ( 1 ) they would ever return the money or ( 2 ) ever credit it to my account. They simply took it. I've followed up via email, and they will not respond to me. 

XXXX ) While this is a minor issue, Shellpoint delayed 6 days between debiting my bank account for my initial {$25000.00} payment and crediting my loan, resulting in XXXX additional days of interested accruing on this payment. 

XXXX ) Customer service has been horrendous. I did not choose this company, my loan was sold to them. It was bad enough that they lost {$25000.00} they took from me. It is absolutely unacceptable that after being notified of this issue, they refuse to credit my account the amount they took. As of this writing, they are still charging me interest, and still refusing to respond to my requests for updates, information, and ultimately, resolution of the issue. They simply kept the {$25000.00}. I don't know what to do or how to proceed. 

Mistakes happen. But when they happen, a company chooses how to respond. Whether Shellpoint Mortgage Servicing accidentally misplaced or stole my {$25000.00}, they are currently aware of the issue, admitted they took it, and refuse to address the issue or assure me that they plan to address it.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

XXXX IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX They have over 200 complaints filed against them by the XXXX. 

They falsely and incorrectly claim that I owe {$6100.00} and are unfairly damaging my credit. 

Make them delete this false claim against me, and give them a punitive fine.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WA)

In XX/XX/XXXX I recieved notice of a severe decline in my credit score related to a XXXX late charge from XX/XX/XXXX on my XXXX Credit Card. I have never had a late payment and have been closely monitoring my credit. I never had a late payment. The XXXX  Website and phone payment system has been having issues for months. I have previously spoken to the company about this. And was advised to make in store payments. 
I called XXXX to question why this charge was on my account. I was transferred to XXXX different agents. The first said they agreed with me and there was no late payments on my account. 
I explained it was showing up on my XXXX report. They transfered me to a different person who said there has been errors in reporting and that some customers were just getting notifications from XXXX And that the company was working to " resolve '' and inaccuracies. I was transfered to another agent they thought could help me because I wanted this done sooner. 

The last perosn I spoke to at XXXX  told me they were unable to change anything with reporting that far back and to file a XXXX dispute XXXX 

I filed a dispute XX/XX/XXXX. This immediatelyt came back with notice that " Account information verified. '' There was clearly no time to do a porper investigation. 

They provided me a copy of a payment report which shows clearly that I was never charged a late fee for a late payment. And says " No data '' for months of XXXX to present. 

Again, I did not make a late payment. i worked hard to have a clean record of no late payments. And responsibly manage balances much higher than the XXXX $ late payment they claim I made. I did not make a late payment. Their system has significant errors. 

This innacurate reporting of my information caused my credit score to drop around XXXX points. Not ok.
Consumer complaint received 2023-10-25
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. (NH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS . NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT.

FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have with Equifax violating my rights and the laws according to but not limited to 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. I have encountered with 2 accounts reporting information incorrectly on my credit report to include Department of EducationXXXX and XXXX XXXX XXXX on Equifax. Specifically, I have noticed that my credit report indicates that I was 60 days, 90 days, and 120 days late. However, there are no prior 90, 60, or 30-day late payments, which indicates that this information is inaccurate. 

I am concerned about the impact that this inaccurate information may have on my credit score and my ability to obtain credit in the future. As you may be aware, federal law requires that credit reporting agencies report only accurate information about consumers, and that they must investigate any disputes regarding inaccurate information. 

I am therefore requesting that you reinvestigate this matter and take appropriate action to ensure that the Department of Education and XXXX on Equifax comply with federal law and delete any incorrect information from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filled a dispute for XXXX $ when I discovered the merchant was probably a scam and not sending any package. The merchant claimed to me in writing the package was cancled because of my dispute. They also later claimed they no longer have my money because I filled a dispute. I spoke with my bank because I had been unable to find a letter they sent me on XX/XX/XXXX. They said I have XXXX .month to upload documents. I believe this is incorrect as you have 90 days for an investigation. They are claiming it is to far past the XXXX month. I even tried to discuss it with a XXXX who just said that's not how this works we are given XXXX month by visa. I spoke to multiple people at the bank without getting any assistance including managers.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

My 5 month old XXXXXXXX XXXX XXXXXXXX involved in XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I reached out to my dealership to cancel the service contracts which are bought when we purchased the vehicle. We took a loan with Nissan Motor Acceptance Company ( NMAC ) to purchase the vehicle and service contracts. Dealer was able to cancel and get credit for {$2600.00} on XX/XX/XXXX. NMAC customer care asked me hold the check until Insurance payment for XXXX XXXX is posted to avoid confusion. NMAC posted the payment on XX/XX/XXXX though the check from insurance received on XX/XX/XXXX ; XX/XX/XXXX is also my regular loan payment date and they charged same interest ignoring payment against principle which was prorated ( as of ) to XX/XX/XXXX. Dealer at this moment gave 2 options 1 ) I can get the check if show proof of payoff ( completed ) 2 ) sending the check to NMAC if lien is still on. On the same day I spoke with NMAC customer care and they confirmed they can process check from dealer within a week. Dealer shipped ( XXXX XXXX XXXX XXXXXXXX ) the check overnight and NMAC received it on XX/XX/XXXX. From XX/XX/XXXX onwards NMAC customer care follow same pattern as first 15 minutes, no check has been found and then check is found & it is getting processed. Initially they asked me wait for 2 days and then 1 week and then 3 work week and then 6 to 8 week ; all this wait times are from the day I talk to them. Today ( XX/XX/XXXX ) they said the check is not yet posted and I have to wait minimum 4 week once it is posted. Every other day I am spending 1 hour with them to find the check and know the status of it. On top of all, they promised after XX/XX/XXXX payment will be posted but now they started eye on XX/XX/XXXX and I feel they even drag till end of the year. All they care about interest they charge on monthly payment. I may barely have around {$4000.00} as remaining principle ( after this {$2600.00} credit posted ) but they keep charging around {$130.00} as interest on every month. No promise of changing the interest.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are accounts as old as 2011. 15 US Code 1666b. 15 US Code 1692c. 15 US Code 1601. I never gave permission. The companies XXXX, Transunion, and XXXX have put numerous soft pulls when using their service.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (WA)

In XX/XX/XXXX I paid Tesla {$500.00} as an 'order fee ' for a XXXX  Tesla XXXX XXXX  facilitated via the Tesla used inventory webpage online.At the time of placing that order, I applied for financing through Tesla , and was given a quote of a 7.99 % interest rate. All of this was done online, then I was instructed to don load the Tesla app and the remainder of car buying process would be XXXX XXXX XXXX. 

After down loading the app, I submitted the requested documents and told when they finished processing my application I'd be prompted via the app to move forward and make my payment, then the vehicle would be prepared for delivery. 

A few days later ( I believe XX/XX/XXXX ) I received notification in the Tesla app to make the down payment for my car. The prompts gave only the option for TeslaFinancing as the payment method for the remaining balance on the car ... .. naturally, I thought I as agreeing to finance through Tesla , since thats what I had applied for. 

I completed the process and made an ACH transfer of {$20000.00} and the loan documents were supposed to be available thenext day. Tesla is obviously a well known company and I never second guessed any of the process because .... it was Tesla. Theday came I was supposed to pick up my car and I still didn't know anything about my payments or have any documents aboutthe loan. 

So, I texted the 'delivery team ' asking about my loan information, explaining I wasn't comfortable taking possessionof a car that I didn't know anything about the financing or terms of my ownership. The Tesla representative I spoke to emailed me a very simple 2 page paper, it was vague and provided no actual details otherthan the interest rate was 12.99 %, not 7.99 % and was with an alternate lender. 

I immediately reached back out to Tesla asking about the changes, explaining I was never asked to accept new terms oragree to change any details. In fact, when placing my order online, the possibility of not being eligible for the interest ratequoted was never disclosed. I was never notified about a problem with my application and wasn't given the opportunity toprovide a larger deposit or a co-signer or to unwind the deal all together. 

I NEVER ACCEPTED or SIGNED THE NEW LOAN TERMS. I NEVER GAVE AUTHORIZATION TO SIGN MY NAME ELECTRONICALLY.I took possession of the vehicle, didn't even know where to submit my payments to. I had to contact the regional manager several timesbefore I was given access to the actual loan documents, onceI finally did see the paperwork, the date and time on the loan applicationwas late in the evening the same day of pick up .... which was well over a week from when I applied for the Tesla financing. 

Had I of been notified of the change in eligibility of loan terms I would have tried to negotiate or not moved forward with the purchase.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST PORTFOLIO SERVICING INC (CA)

XXXXMRV/VT Credit card company , I have OPTED out and RESCINDED YOUR power of Attorney, your security interest and Titles over my account and I demand you Pay me for the fraud you have committed against me and reporting hurtful allegations on the Credit reporting agencies that have caused harm on my life and Business and I have never thought I could experience a worse company than XXXX XXXX XXXXXXXX in the Deceptive business practices and theft from your own customers and using the promissory note aka Application and social security number with my signature to fully find my use and open ended credit. You stole every single XXXX of interest from me and have 3 days to fix my account pay me the moneys owed by check or money order immediately and any no. Response will be received as agreement of everything Ive stated and you or any other person or group or subsidiaries of any company make any retaliation against me or stop a judgement because you have agreed with me on every single thing Ive stated against you. Withdrawal any negative reporting from XXXX XXXX and XXXX etc. And pay me my money and interest and XXXX for credit fraud identity fraud
Consumer complaint received 2023-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

My XXXX credit report shows that I have a hard inquiry on my account. I have notified CapitalOne Bank which reported the incident as fraud. Also, the other day I contacted them again and my situation wasn't active anymore. I didn`t have my ss number linked to them anymore. So, I was wondering if I could get it removed, if possible, I've done my diligence.