davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Tesla, Inc. (CA)

I leased a new Tesla XXXX XXXX and traded in my old Tesla XXXX XXXX. The amount of my trade in value was more than the downpayment required on the lease. That additional money was supposed to be sent to me by check. 

Agreed Trade in Value : {$23000.00} ( see Trade In paperwork attached ) Down payment on lease minus federal tax XXXX XXXX XXXXt : {$11000.00} ( see Lease Agreement ) Amount Due to me : {$12000.00} This additional equity was to be paid to me by check according to the lease paperwork. When I call Tesla, their customer service people tell me that they do owe me the money and but their system shows the status as " pending '' and they can not figure out why. It has been six weeks and I continue to get the same story. I have asked to speak with management, a decision maker, or someone in the finance department but the customer service personnel tell me that it is not possible. Please help!
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC claims that I owe a debt but they failed to present a contract that makes me liable for a debt I never applied for a loan or any credit application with LVNV FUNDING LLC or XXXX XXXX XXXX XXXX these company are in violation of Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601, 1692 a ( 5 )
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (GA)

On XX/XX/24 I received an email from Unifin Inc a debt settlement company in regards to a debt that has been sold to them from XXXX XXXX XXXX which I currently have a case open with because they are currently reporting the same debt under my name which I provided documentation that XXXX XXXX XXXX requested providing a police report, Affidavit and Identification. I received an email from Unifin stating that this debt had been sold to them and they are now requesting for me to pay this debt that is not mine. I have provided Unifin with the same documentation that I gave to XXXX XXXX XXXX but there was no response back via email which is how XXXX from Unifn contacted me.
Consumer complaint received 2023-09-26
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. (TX)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : OAG CHILD SU XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.
Consumer complaint received 2023-11-26
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. (TX)

This letter is my final communication regarding your claim that the information in my dispute letter has been verified and that the information being reported by the furnishers is accurate. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the XXXX. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. Furthermore, I request your method of verification. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2023-11-26
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. (IN)

I've asked this to be reinvestigate on XX/XX/XXXX and for XXXX to provide a method of verification. I received something 5 days VIA email from XXXX that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
XXXX XXXX XX/XX/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 2023-03-28
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-08
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying to get and maintain access to my personal Equifax account online. I have been unsuccessful in doing so for years now. Even after speaking to person ( XXXX ) on the phone, their website seems to be permanently broken. I keep getting promises they will contact me to reset my password, but nothing ever happens. I need access to my Equifax account to keep an eye on my credit and freeze my account as needed. Searching for this problem on XXXX returns a plethora of results all saying the same thing, the website has issues.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (WI)

XXXX XXXX ( XX/XX/XXXX ) I have called over 15x spoke with so many representatives & over 6 Supervisors Ive also contacted them via email with no help they tell me over and over they will contact me via email nobody has reached out.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WA)

I recently applied for auto insurance and the agency collected information from LexisNexis Risk Solutions. Initially, their report was frozen and therefore XXXX XXXX denied my application due to the LexisNexis freeze. At first, I was confused since I had placed a freeze on all XXXX credit reports at XXXX, XXXX and XXXX, however I have NEVER done business with or heard of LexisNexis before. After unfreezing my XXXX credit reports, I learned that LexisNexis had placed a freeze on my report which had nothing to do with the other bureaus, and I spent hours connecting to a live representative to hash this out. Then the agent submitted a request for an insurance quote a second time to LexisNexis but a denial was issued again due to info on their report about an insurance claim I filed one time. The report provided to XXXX XXXX had XXXX reference numbers, however after speaking with LexisNexis, I was told that only ONE claim has been filed. The representative stated that she did not recognize the second reference number and therefore had no details to provide me with. I asked her to escalate my concern to corporate because I have been denied auto insurance due to false information provided by LexisNexis which gave negative inferences that I had bad credit and XXXX incidents reported which is completely inaccurate. I then choose to opt out of their information sharing because I never gave LexisNexis my permission to store my information and the document they have provided is inaccurate, plus there is no specificity provided on what the XXXX incident was leading State Farm to believe that I was uninsurable.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I spoke with there customer service Rep last year around XX/XX/23. when I found out that the company was being sued for predatory loans and they told me that there was no decision made on this suit as of yet, I then asked can I get a refinance on my loan too lower the monthly payments and they said no.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX To whom it may concern on XX/XX/2023 I disputed accounts reported by Experian in the file you maintain under mu social security number. 
I was informed on XX/XX/2023 the the items was deleted from my credit report. 
Now I have discovered that the items has been reinserted on my credit report. 
In accordance with the requirement of the FCRA section 661 ( a ) ( 5 ) ( b ) ( ii ) you are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. 
I hereby demand that you immediately deleted the item from mt credit report in order to avoid legal action. I am submitting the complaint separately to the consumer financial protection bureau the Attorney Generals Office, and the XXXX PLEASE GOVERN YOURSELF ACCORDINGLY XXXX XXXX XXXX XXXX XXXX XXXX Cc : CONSUMER FINANCIAL PROTECTION BUREAU Cc : ATTORNEY GENERAL 'S OFFICE Cc : XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : CB/WAYFAIR Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NY)

I received multiple transactions on my debit card that I did not authorize. I had lost my wallet and the transactions were not mine. When I filed a dispute with Sofi they denied my request and did not provide reasons why. When I call and try to explain the situation nobody on the phone can provide me answers. 

The transactions were from XXXX for over $ XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: W&A Intermediate Co., LLC (TN)

I received a bill from you on and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX  XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Consumer complaint received 2023-11-26
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. (CA)

I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX ( Accounts listed below ) on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

I request that these Student Loan accounts be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$15000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3700.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3500.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE
Consumer complaint received 2023-08-05
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. (NY)

I was an authorized user on a family members XXXX XXXX XXXX XXXX XXXXredit card account # XXXX opened on my family member removed me from their card, credit card account is closed i filed dispute to have the account removed from my equifax credit report two times and this error isn't fix yet. I am not responsible for this card i was just an authorized user in the past. I am no longer an authorized user.
Consumer complaint received 2023-08-08
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.