davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc. (NJ)

I ordered a Tesla XXXX XXXX on XX/XX/XXXX and signed a leasing agreement on XX/XX/XXXX, paid {$1600.00} down and took delivery of the car same day. On XX/XX/XXXX I received an email from XXXX XXXX who works at the Funding Resolution at Tesla stating that there was a funding issue because the bank did not accept my husband 's income to qualify the lease without him co-signing the lease with me because I do not have an income. They asked that I " undeliver '' the car by unpairing it on the mobile app and start a new application with my husband as co-signer, with new rates and conditions ( losing the 6 months Free Supercharge offer I got with this vehicle )!! Because my husband is not able to co-sign with me due to financial reasons, we were only left with the option to return the car after more than two months of driving it. We agreed to pay the cost of miles driven and were promised to get a refund of the remaining balance of the down payment after inspecting the car for any damages. We returned the car at XXXX on XX/XX/XXXX with XXXX driven miles which x {$0.00} = {$610.00} and I have a video recording showing that the car had absolutely no damage and in perfectly brand new condition inside out. They promised to return the {$7500.00} incentive to the federal incentives and send me a check of the remaining balance of the down payment within 2 weeks. I made multiple attempts to follow up and never got a single reply to many emails I sent which is very disrespectful. Instead of apologizing for the mistake that was totally their fault they are treating me with total disrespect. I want my money back ( $ XXXX $ XXXX {$1000.00} ) and transfer the 6 months free super charge offer that I lost upon returning the car to my other Tesla car.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (NY)

i was out the country for family emergency and had no use for my credit, now i go to apply for a job and found multiple accounts on my credit i did not sign for... I called the companies asking how they got my info they said from, i asked for proof and they still have not mailed or email... anything with my signature or social. This has kept out of work and unable to support my family
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TN)

XXXX XXXX received an email from Cedit Karma stating, XXXX XXXX, Heads up your Credit Karma Money account has been locked. Don't worry, your money is still safe. This can happen as a safety measure to protect your account. 

If your account has a negative balance, please make a deposit right away to continue using your account. 

If your account does not have a negative balance, please keep an eye on your emails for more information and next steps. If you need help immediately, please reach out to member support. 

We're sorry for the inconvenience. 

Thanks, The Credit Karma Money Team Once I reached out the several times and escalated the situation to a supervisor, I was still told that they cant provide me with any information about my account.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX I contacted care credit for a dispute they said the doctor was acting in good faith I showed a police report that was filed and the doctor and office cant contact me so theres a lie. I proved that the doctor changed the XXXX on my wife while she was XXXX  they claim services were rendered it doesnt matter what he did he performed XXXX and I should just be happy.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (WA)

I hope this message finds you well. I am writing to bring to your attention a concerning and unresolved matter involving my financial transactions with Robinhood. Your office 's assistance is necessary to rectify my current issues with their services. 

On XX/XX/2023, I initiated a transfer of {$49000.00} from my XXXX account to my XXXX account. Despite the initial delay in the verification process, my subsequent transactions, involving bi-weekly transfers of {$3000.00} from XXXX Bank XXXX XXXX account, proceeded smoothly until XX/XX/XXXX. 

Unexpectedly, Robinhood declined my transfer on XX/XX/XXXX, displaying an error message. Attempting a second transfer on XX/XX/XXXX, the system encountered an error during the first attempt. Though the second attempt was confirmed, XXXX debited my account twice on XX/XX/XXXX, causing a negative balance with Bank XXXX XXXX. 
Despite numerous attempts to resolve the issue directly with Robinhood, they refused to return the {$3000.00}, advising me to seek resolution with my bank. I followed their suggestion and, with the assistance XXXX Bank XXXX XXXX, initiated a dispute to expedite the return of the funds. 

Amid these financial challenges, I needed to withdraw {$26000.00} from my Robinhood account for Q4 taxes. However, Robinhood declined my withdrawal requests twice, demanding additional documentation. Upon providing the required identification and bank statements on XX/XX/XXXX, they assured me of a XXXX hour transfer timeframe, which never happened. 

To my dismay, on XX/XX/XXXX, Robinhood abruptly notified me of the closure of my account under their terms and conditions, stating they would only return funds to the originated or linked account. Despite numerous attempts to seek clarification and resolution, I have been met with unhelpful responses, being redirected through various channels without a satisfactory resolution or explanation of the reason for account closure. 

They sent me a second email today stating that they will return my funds to the originating source, and I can contact my source with questions. The issue is that I tried contacting them about how my originated source ( XXXX savings ) has closed, and I need them to return funds to the currently linked account XXXX Bank XXXX XXXX ). I have not been able to reach anyone since they sent that email. 

Given the urgency of my financial situation, I request your intervention to ensure that Robinhood promptly returns the funds, amounting to {$55000.00}, to my Bank XXXX XXXX account, which is linked and verified by their platform. 

I appreciate your prompt attention to this matter and thank you for your assistance in resolving this unfortunate situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (TX)

on XX/XX/XXXX credit karma allowed a hacker access to my account and all access to my personal information. i was waiting months and months for my tax return that was already delayed. i believe the tax return was was deposited XX/XX/XXXX and the hackers were able to switch all of my information the morning of XX/XX/XXXX which was my email address and phone number without me knowing at all. as soon as i saw the fraudulent charge for the amount of {$2400.00} to a merchant OUT OF THE COUNTRY all the way in XXXX!. even after i notified my bank to put a block on my account XXXX XXXX. later they were able to steal the rest of the money which was XXXX $ now the account is negative XXXX XXXX every time i call credit karma is not helpful at all and just tells me to moniter emails. the worst of it all i am not the only one this has happend to! there are multiple people who uses the same bank and has also had the information fruadulently stolen and misused please i am begging can you guys please help me get my funds back that was all i had.
Consumer complaint received 2024-03-15
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: Open Dealer Exchange, LLC (NY)

I have never applied nor perform services or business with 700 CreditXXXXXXXX XXXX XXXXXXXX there is an inquiry on my credit report dated XXXX. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to Experian XXXX and XXXX regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. BANKRUPTCY COURT Account Number : XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL (PA)

Someone opened a merchant service account in my name under my social security number in XXXX  without my knowledge. The merchant service company is trying to collect the fee from me and sent the bill to a collection agency. It took them 8 years to let me know it was open as a result of identity theft
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (CA)

I had a Netspend account and the card was stolen and compromised while I was incarcerated. The criminals apparently issued themselves a new card. I found disputes on the charges on the old and the new card because both were related to my account thats been approved the dispute for for the account with the lowest charges and told me, I should be grateful they are giving me anything. Multiple agents have informed me that they are supposed to hang up on me which they have been doing the part I have the dispute number and amount which was denied and I was told by authorize even after I was found to not have authorized charges on the same day within minutes of each other. XXXX agent even told me that she doesnt like XXXX XXXX and she would do whatever she could for me not to get this money and that they dont listen to these calls anyway. my XXXX went almost 30 days past the mark of the XXXX they told me before provisional credit would be granted before they denied it.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-21
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

I took out a loan for {$1000.00} to catch up on my bills almost four months ago I have paid between XXXX so far. So the money has already been paid back. but I looked into the fine print and according to them I will have to pay back over XXXX!
Consumer complaint received 2024-03-12
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. (FL)

I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/year>. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX Credit Card conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.
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 have told credit karma to stop reporting inaccurate information they keep reporting. I need there insurance information to file a claim with there in insurance company with there error omissions insurance. They keep reporting XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These company agreed to cease and desist .also i filed a CFPB complaint against these companies. This is my secondfiling on credit karma
Consumer complaint received 2023-12-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was robbed in XXXX XXXX for my cards and banking information from room XXXX and it was in the vault on XX/XX/XXXX My ID and my Bank Account Statements were stolen. 

I was asked by Bank of America to send in a video from the robbery since it was inside the elevator BUT XXXX XXXX Refuses to release the video. 

Im missing XXXX that was wired out of my Unemployment prepaid account XXXX so I opened a Real Bank of America ending in XXXX also someone opened a a account ending XXXX I was deposited XXXX on XX/XX/XXXX by IRS and someone illegally wired money out my account and the bank won't reimburse me without the video from XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I file a complait and send proof to Experian about i never live in this address XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX that is incorrect and Experian NOT delete that address from my credit file i attach here my id also my pay stub who show my address, my correct address is.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

My home was broken into approximately XXXX. I had a personal office in the home. I had details of home in Mississippi, driver 's license, social security number, current home, birth certificate, etc., etc. Police compiled a 14 page police report with the first page stating fraud/ identity theft. I submiited this report to all credit bureaus and requested a verbal password when I call in or submit for credit. I fought Experian for years due to incorrect details on my report just to find they lifted the freeze on their own accord. XXXX XXXX XXXXXXXX took my case XXXX XXXX. Unfortunately, that attorney passed in XXXX. I have since joined XXXX. Today, XX/XX/XXXX, I received 3 alerts notifying my of payday loan attempts. I spoke with both XXXX and Experian whom have unprofessionally lifted my freezes once again. Stating it's an initial freeze. I NEVER lifted the freeze! Everyone I speak to can not be understood and definitely not concerned. I've had taxes filed against my name and the IRS treats me like the criminal and refuses to file my taxes or lend any support! I am fed up and disgusted by Experian and XXXX unprofessionalism, fraud, and continued exposure which continuously place me at a disadvantage. Furthermore, I would not be surprised if these were intentional inside jobs. I have suffered way too long attempting to regain my good name due to systems set by the government to help, but only causes misery and happen to be the real issue.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (IL)

CC : XXXX XXXXXXXX XXXX Fraudulent Client Account # XXXX XXXX Account # XXXX Fraudulent Claimed Amount {$520.00} First and foremost, XXXX XXXX XXXX  XXXX have no federal, state and chartered authority to request Personal Identifiable Information ( PII ) from any U.S. consumer such as my SSN, DOB, Drivers License, as such.

If you can not be trusted in small matters { i.e., utility bills ) ; who will trust you ; or debt collection firm in large matters. { i.e., Privacy laws } * The Privacy Act of 1974, as amended, 5 U.S.C. 552a As a any prudent U.S. citizen do, XXXX XXXX XXXX XXXX completed a annual credit check ; to preserve & protect my identity and good name. A debt collection company named " XXXXXXXX XXXX XXXX, located in XXXX, Washington, falsely claimed that XXXX XXXX XXXX owned & owed some commercial property in the state of Georgia ; as well as, XXXX XXXX had a utility account with the XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received an email from BOA on XX/XX/year> saying my contact has been removed from Bank of America. Went to a local bank trying to close my account since Im moving out soon anyway. They told me I can not receive my check for the remaining balance ( checking plus saving total around XXXX ) since my account is going to close on the next business day. Did not receive any kind of notice from the bank and I dont know when my money can come back. Im still counting on the check to pay my rent and credit card. There was no reason for closing my account either. As a XXXX  I have no jobs and no way to cover my daily expenses if they keep holding my money.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Consumer complaint received 2024-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc. (CA)

I BOUGHT A CAR IN XX/XX/XXXX, WITH AN EXTENDED WARRANTY, IN XX/XX/XXXX I STARTED HAVING ISSUES WITH THE CAR, I CONTACTED THE DEALER AND THEY DIAGNOSED IT AS A CRAKED HEAD GASKET BUT IT WAS NOT COVERED UNDER WARRANTY, I THAN CONTACTED THE LENDER CONSUMER PORTFOLIO, AND TOLD THEM THE CAR HAD A CRACKE HEAD GASKET AND I WAS TOLD IT WAS NOT UNDER WARRANTY, THE ONE THE DEALER SOLD ME SO I WAS GIVING THE CAR BACK. DUE TO COVID THE DID NOT COME GET THE CAR UNTIL XXXX. THEY SOLD THE CAR AND PAID OFF THE LOAN, BUT CLAIMI STILL OWE XXXX THEY VERBALLY OFFERED ME A DEAL THAT IF I PAID THEM XXXX THEY WOULD WIPE OUT THE REST DUE AND CORRECT MY CREDIT. i COULD NOT GET ANYTHING IN WRITING. SO INSTEAD THEY SOLD THEY AMOUNT THEY SAY IS DUE TO A COLLECTION AGENCY IN XXXX WHICH MESSED UP MY CREDIT AS ITS SHOWING AS A NEW COLLECTION INSTEAD OF BEING REMOVED FROM MY REPORT.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (SC)

USCB CORPORATION Failed to provide debt validation with in 30 days under the Fair Debt Collection Practices Act ( FDCPA ), 1006.34 Notice for validation of debts. They are in violation of the act. Will report to the CFPB.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX