davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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. (AR)

I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (TX)

XX/XX/XXXX Tesla provided an estimated lease payment of $ XXXX. They also indicated it would likely go down to {$330.00} with probable savings that I thought would be from government tax credits. After roughly 100 interactions through online forms, texts and emails over 3 days they said the lease would be {$520.00}. Their representative XXXX said it was probably taxes. That made sense until they added taxes to the down payment which went from {$4500.00} to over {$5800.00}. I could understand the lease going up if I had bad credit but my credit score is over 830, I made over 40 lease payments to Tesla on my current vehicle all on time and 2 months prior paid them {$40000.00} cash for solar. When I asked Tesla they gave me no and said they did the lease through XXXX. Tesla was my only contact through the entire process. I am not sure when they did the bait and switch to the leasing company but they should not be able to publish estimated lease rates to unsuspecting buyers that they know are false.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with XXXX, XXXX with Experian, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to me.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Loancare : XXXX XXXX XXXX XXXX  XXXX VA XXXX, Account # XXXX This is a follow up to the previous complaint XXXX. I received a letter from Loancare acknowledging receipt of the complaint. Loancare removed the 60 days delinquencies record from my credit report. Event though the {$190.00} is their responsibility when they acquired the servicing from XXXX I went ahead and paid it in full so to stop their continuous harassment with robocalls and threatening letters of foreclosure. Only to find out when I received the following statement that they again started me another escrow account and said i owe {$45.00} more!!! In addition they again reported to the credit bureaus that I was 30 days late. I called the person who wrote me the letter after he received my first complaint with CFPB Mr XXXX XXXX, Office of the Customer, XXXX ext : XXXX but of course like his colleagues he does not pick up the phone nor does he return the calls. Even though in his letter of XXXX XXXX he states that my credit report is now corrected and reflects current status.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Sensible Auto Lending, LLC (RI)

XXXX from XXXX XXXXXXXX XXXX in XXXX, MA referred me to Sensible Auto LLC for loan approval. Sensible Auto would approve loan under condition that I purchase extended warranty from XXXX XXXX. I believe this was a scam and that Sensible Auto works with warranty company XXXX XXXX XXXX XXXX XXXX XXXX XXXX This power train plus warranty was purchased with car seven months earlier at Dealer XXXX XXXX as a condition for Sensible Auto LLC to approve the loan for the car as stated by XXXX XXXX 
Engine of the recently purchased car ( XX/XX/XXXX ) seized on XX/XX/XXXX. 
While I needed transportation to get to work I requested deferment of loan several times while warranty company worked with repair company on repairs. 
Called XXXX XXXXXXXX XXXX  where car was purchased and referred to XXXX XXXX XXXX who works with Extended XXXX XXXX on XX/XX/XXXX it was towed -gave consent to have diagnostics done. 
I called several times after two weeks of waiting for update on diagnostics. XXXX reported waiting on information from XXXX. 
I then called XXXX to ask for update and representative XXXX reported they were waiting on needed information from XXXX XXXX XXXX. I then called XXXX with the knowledge of their need for action and was told that they were waiting for AUL which I became concerned as I just got off the phone with them stating XXXX XXXX XXXX is responsible for the waiting time. In need of transportation and communication for whether not not my car would be covered by warranty /when my car would be repaired and being told conflicting information, I informed XXXX I would need to take the car to another repair shop I called and told me they could have the diagnosis done in 2 days. It has now been 6 months and the vehicle is 124 days past due ( I believe incorrectly as payment was made on XX/XX/XXXX ) and now that the vehicle is under repossession the warranty finally approved claim. 4 days too late and an unreasonable amount of time.
Consumer complaint received 2020-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I began my loan with Navient in 2011 where my student loan balance began at {$54000.00}. I have done 3 forberances during the time of the loan. However, since the inception of the student loans I have paid {$39000.00} in total payments with {$29000.00} going to interest and only {$9100.00} to principal which seems more insane than a payday loan. In addition, looking at my monthly statement each month a drastically different amount goes to interest versus prinicipal. When I called to inquire what my payoff of my loan is they say it is {$61000.00} when the original loan amount was only {$54000.00} and I have made total payments above. This makes no sense and seems very predatory.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (CA)

XXXX was supposed to service my apartment with internet. XXXX representatives failed to show up for installation failed to deliver equipment there for i received zero service from XXXX. XXXX never at any time serviced my apartment. I cancelled the account. Later on credit control has a collections amount of XXXX which I disputed with them. They refused to listen to what I had to say and ignored my emails and proof that I never recieved any service with XXXX. I have disputed with credit bureaus as well. I do not owe XXXX  anything because they never installed service in my apartment. I never have received any type of service from XXXX.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX  XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX/XXXX  {$0.00} 0 % usage 1 late payment
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MI)

The amount of spam robocalls I am receiving from comenity bank is absurd. On average 10 calls per day with no voicemails, my accounts are NOT over due and hold a collective balance of under {$1000.00} that is current. This is unacceptable, I will be paying my accounts off and closing my account and never doing business with Comenity or any of the subsidiaries.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (PA)

XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights.

15 U.S.C 1681 section 602 A. -States I have the right to privacy.

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

My mortgage is through Citizens One Home loans and I recently have been laid off from work do to the Corona Virus ( which is out of my control ), I got in contact with my mortgage company to get details on what would or will happen to my account. I was told by one of the representatives their, that I can make my mortgage payments if I can or I can miss the payments up to 3-6  months but then they told me that at the end of the period they allow you to miss I would be responsible for all the payments I didn't make. When I asked if they had the deferral program they told me they do not have the program and that I would owe the outstanding amount for my home when I return to work all at once. I can not make these kinds of payments while on unemployment do to the lack of income based off of unemployment. This kind of action that this company is doing to people including myself puts way more stress and financial stress on us.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I filed a complaint against Equifax. Since that time, Equifax was supposed to be verifying that the information on my credit report was accurate. Unfortunately, after I filed the complaint, my credit score has dropped nearly 30  points, as opposed to the other 2 credit bureaus ( XXXX  and XXXX  ) who both have increased my credit score. There was no reason my score would have decreased so drastically only out of retaliation from my complaint. I have also had a secured credit card with open XXXX  XXXX  XXXX  since XXXX. Equifax has failed to acknowledge that on my credit report now. I lost my credit card in XX/XX/XXXX, and was reissued another card, but Equifax doesn't acknowledge my positive payment history over the last 2 years. Each month my credit with Equifax has dropped, with Equifax and I am unsure why. My credit score with Equifax is XXXX, there is a nearly 70-123 score difference. Equifax also continues to have an address on my credit report that is a fraud alert, as I have never ever lived at the address!!! ... .This is a continued reluctance on the part Equifax to do its due diligence and report accurate information on my report. Please help.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX  XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$330.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. XXXX has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Got an email from XXXX XXXX saying a card had been added to my credit report. 
It is from Comenity Bank under XXXX Account # XXXX It was opened in XXXX of XXXX and charged XXXX to the card. 
I did not apply for the card nor have I shopped at XXXX XXXX 
I have disputed this with XXXX along with XXXX and XXXX 
XXXX advised me to go to ftc.gov and that lead me to you. 

I appreciate anything you can do to help me with this. 
It has dropped my credit by 160 points
Consumer complaint received 2024-03-19
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. (IN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2023-02-07
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, ATTYGENERL Account numberXXXX XXXX XXXX Account number:XXXX XXXX XXXX XXXX Account number:XXXX XXXX Account numberXXXX XXXX Account number:XXXX, XXXX Account numberXXXX  has violated my rights including these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (GA)

N accordance with the fair credit reporting act XXXX accounts Has violated my rights 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  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
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My identity was stolen! After a bad incident, I was in the hospital for a long while. When I was finally feeling better. Everything has been compromised. Ive been XXXX fix this problem 4 a while now. I bet u the thiefs had an easier time stealing my stuff. This is heartbreaking. As if I havent been through enough.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Zip Co US Inc. (DC)

On XXXX XXXX I contacted Zip about issues I am having with the merchant about returning a purchase. They told me to reach out to the merchant which I had already done a couple weeks before unsatisfactorily. They told me to reach out again. I showed them a screenshot of not getting a response on XX/XX/XXXX for my request to return items and obtain a refund. I told them that I was frustrated and my only option was to go through my bank if Zip could not help me. They stated you have to go through the merchant again. After a few more days of not getting a response from the merchant I filed a claim with my bank. 

Now I see that they have removed my access when I have paid all my bills on time and fairly without even trying to investigate with me or the circumstances. They should have a better obligation to their customers. This is ridiculous and unfair.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- Experian, XXXX, and XXXX. Experian reports the account number as XXXX, while both XXXX and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on Experian, XXXX, and XXXX. 

Attached is documentation in support of this complaint.