davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (NY)

I purchased a Tesla XXXX XXXX from Tesla 's XXXX, New York location on Friday XXXX XXXX. The car was purchased by fully paying for it by certified check. ( I had to use the " Car Lease '' option on the CFPB website as there is no other option to register my complaint. ) The car had been booked online on Tesla 's system in lieu of the delivery of a different car which had been booked months earlier for scheduled XXXX delivery but which had been delayed. 

On getting home I was shocked to discover that the " new '' car I had purchased had over XXXX miles on it and was obviously a demo car or a used car that the dealership had owned. 

The whole process to sign and take delivery at the Tesla XXXX location was extremely rushed. It was Friday evening ( around XXXX XXXX  ) I was asked to sign a bunch a papers without any disclosure on what I was signing, was given no documents and was handed the car at sundown to drive home. At no point was it disclosed that the car has a certain mileage that I should know about and check. Tesla 's don't come with a standard odometer and I discovered the high mileage on the car by going to the Tesla App once I got home.

I was extremely unhappy by this turn of events and contacted Tesla the next day ( Saturday XX/XX/XXXX ) to register my intent to return the car, At the same time I asked to get access to the paperwork for the car. Tesla claimed that the mileage was disclosed on the paperwork I signed. The taking delivery process was very rushed, I couldn't read the details of the contract and it was not even given to me until I asked for it again later. Bottom line, I did not expect to buy a new car but get one with over XXXX miles on it.

Tesla said they had put in a price reduction of {$560.00} for the demo car. I told them that the same is not acceptable to me. The car is over XXXX miles or 6 % into the XXXX mile warranty in addition to wear and tear. A 1 % reduction in the car 's price is not reflective of those facts. I told them that I would like to return this car and wait for the NEW car we had ordered several months ago. 

I offered to return the car promptly to Tesla, by submitting that request in writing via email to the rep I was interfacing with, but have not heard back from them.
Consumer complaint received 2021-09-29
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (GA)

ACCOUNT WAS UNDER INVESTIGATION. REGIONAL SENT LETTER STATING THEY COULD NOT FIND AN ACCOUNT, ONLY AN INQUIRY THAT IS NO LONGER REPORTING. HOWEVER THE ACCOUNT IS LISTED ON MY CREDIT REPORT.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

called equifax 3 times to LIFT a fraud alert, was lied to and given confirmation numbers, assured my mortgage company and I would be able to pull my credit, equifax website shows where freeze was lifted but my mortgage company was still not allowed to pull cause of the active ALERT still showing on their end. incorrect addresses they reuse to update are hindering me from obtaining a place to live during the pandemic and may become homeless due to some MINOR mistakes that are keeping my credit LOCKED against my will.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

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 2023-11-03
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-09-30
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: Medical Business Bureau (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXXNTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Medical Business Bureau , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar is non-responsive, lacks professionalism and their processes are anybody 's guess, when it comes to insurance claims for home losses. We expedited the insurance check ( home reconstruction after a fire ) for them to countersign. Then had to make several calls during which they'd confirm everything was ready and the first 30 % draw would reach us the following week. Flagstar delayed that turnaround by several weeks, crafting stories for the delay each time, such as check was on its way when their portal showed it hadn't even been processed! Meanwhile our contractor was working " out of pocket ''. 
The second draw is even messier. We sent a request to Flagstar for an inspection of the work done and they dispatched one on XX/XX/21. We called a few days later for a status update and were told the inspection indicated at least 75 % of the work was completed ; and that we would have the funds on XX/XX/21, latest, since we had provided XXXX mailing labels in advance. 
When the funds didn't arrive on Friday, we called the following Monday. Flagstar claimed their inspector had made errors and they'd schedule another inspection before releasing any funds. We challenged that position and asked to speak to a supervisor, whom we were told would contact us within 48 hours. We called again Wednesday afternoon when we didn't hear from them, only to be given the run-around by Flagstar for about 2 hours with various excuses why funds aren't being released. Excuses included their inspector having made errors, our insurance company having failed to provide them documentation ( which turned out to be false ) ; needless to say that their inspection department was added to the call at some point and they confirmed the inspection was appropriate! 
Flagstar has a systemic problem of delays every time funds need to be released to the client. In turn, we have to endure longer delays in getting our home repaired. If this isn't a game to facilitate them to draw interest from the insurance check, then what is it?
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In XX/XX/XXXX, I got a notice of a credit report inquiry. I checked and it was an inquiry to XXXX by Bank of America. I called BoA on XX/XX/XXXX to ask about the inquiry. They said they had no record of an application using my social security number. I asked them to not open any account in my name or ssn. I was given BoA case ID XXXX. 

In early XX/XX/XXXX I got a credit notice of a new account opened. I immediately called BoA to report this account as fraud. I was told it would be closed and an investigation started. Subsequently, I was sent a credit card. I also received a bill with an annual charge. After many failed attempts to get the annual fee for the fraudulent account removed, I was forced to pay the {$75.00} annual fee or they would charge late fees and report late payments to the credit reporting agencies. 

BoA has refused to send me a copy of the application ( which I believe does not exist ) and will not remove their charge that I never agreed to. I have spent hours on the phone and their tactic is to continually transfer you to someone else that still can not help you. They have taken {$75.00} from me and hold my excellent credit score as hostage. I was actually asked in my most recent call, Were you made aware of this from a notification from XXXX? Seems this isnt an isolated incident. What can I do to get this resolved?
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

We have a current mortgage with Citizens One Bank at a 4.5 % interest rate. We applied on XX/XX/XXXX to refinance directly with them. We have provided all documents and signatures timely. We have exceptional credit rating and we are only asking for a fraction of the homes value at a lower interest rate of 2.5 %. An appraisal was done on XX/XX/XXXX and paid for by us. The process finally went to underwriting on XX/XX/XXXX and we were told it would close in about 7 business days. It is difficult to talk or communicate to the loan processer. We have emails go unanswered for days or weeks and keep getting told we are close to closing. Finally as we approach the 5 month mark without being contacted by the banks " closer '', we have asked to terminate the process and have the appraisal that we paid for be transferred to our new lender, who in 3 days time has already gotten further along than Citizens One. I was told that Citizens can not transfer the appraisal. I have written to the VP in charge of Home Loans and left two voice messages. We believe that Citizens One deliberately delayed the process to keep getting interest at the higher rate. We are seeking to be reimbursed for the appraisal costs that we paid for, since they won't transfer it. I can provide correspondence, copies of emails, and timelines showing their lack of motivation to complete the re-finance process. I estimate, that if we would have closed in a reasonable timeframe 45-60 days, we have paid approximately {$1000.00} more in interest and another {$890.00} for an appraisal that they won't transfer.
Consumer complaint received 2021-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

LOAN CARE is my home loan company. I was on forebearance from XX/XX/XXXX until XX/XX/XXXX. The forebearance was scheduled to expire XX/XX/XXXX. For the record, I would make some monthly payments during the forebearance period, so that I would not have a large lump sum. 

I called at the begining of XX/XX/XXXX and paid the full outstanding amount of the forebearance, which was a total of {$14000.00}. Payments were for the months of : XX/XX/XXXX, XX/XX/XXXX, When I spXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. See attached Monthly Statement - Outstanding Document. Spoke to the representative, I informed them that I wanted to opted out of the forebearance plan. 

Little did I know that LOAN CARE failed to remove me from the forebearance plan. 

I tried to refiance and was denied for the following reason ( s ).

1 ) LOAN CARE failed to remove my account from forebearance. LOAN CARE informed the refiance company that I was in forebearance unti XX/XX/XXXX. 

2 ) LOAN CARE reported payments as late even though I was in forebearance. The report indicated that I did not make any payments from XX/XX/XXXX till XX/XX/XXXX. 

3 ) Called LOAN CARE numerous times to rectify the problems to no avail. 

I have documentation to prove LOAN CARE failed to remove me from forebearance and a copy of the Refiance denial letter.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

U.S. auto sales repossessed my vehicle not even past due. I paid for gap insurance my car was totaled they are still requesting the fees through west lake portfolio. Which is affecting my credit and ability to get a new car.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) Thank you.
Consumer complaint received 2024-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX satisfied mortgager XXXX XXXX. Second mortgager cross country mortgage started payments ; XXXX of {$670.00}. XXXX XXXX raised payment {$880.00} XXXX raise payment again {$1300.00} received letter of notification documents regards to modification on XX/XX/XXXX spoke to XXXX XXXX XX/XX/XXXX she told me to save the monies and assured me that it will be resolved soon. Phone number ( XXXX ) XXXX. 
Since that time I have been getting the runaround with this company in reference to this mortgage modification. 
XX/XX/XXXX spoke with XXXX account still pending she suggested I save the monies until the account is up to date time XXXX XXXX Tuesday XXXX XXXX made an XXXX appointment with XXXX XXXX XXXX XXXX housing counselor , submitted all documents required. Our next meeting was XXXX XXXX at XXXX a call was made to cross country mortgage by XXXX XXXX spoke to a representative and they said they could not email me current payment schedule, only could give verbal payment schedule. This is what I have as XXXX XXXX. 
Payment Past Due {$8100.00} Your payment is greater than XXXX  days past due.

Make Payment Principal & Interest XXXX XXXX XXXX Attention : Your account is not eligible to make payments. Please call us at XXXX for assistance. 
Loan Details Loan Number : # XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 6.25 % UNPAID PRINCIPAL {$68000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX Wednesday I've been trying to rectify the situation since XXXX XXXX XXXX 
I'm a XXXX senior citizen which is on XXXX for XXXX  years trying to stay in her home of XXXX  years this is a frustrating situation and I am truly upset with the unprofessionalism with this company representatives. I need help rectifying this situation I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX. Documents can be included but have to send separately.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are several fraud alerts on account. The Capital One Card was open through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( I have open complaint with XXXX  XXXX XXXX XXXX : False advertising ( ( Grant contract of $ XXXX {$400.00} dollars XXXX ) ) Refused to give my Diploma ) ) The XXXX XXXXXXXX XXXX XXXX offered me the Capital One Card to Start a Entreprenurial Business. I had the card monitored. 
The Venture card {$700.00} limit to help build my credit.

There were problems receiving paper statements. I went to Capital One XXXX XXXX to complain. I introduced myself to the bank customer service representatives used their phone. 
I have been paying a credit card bill. There is a second credit card active and missing. 

I have complained in the USPS mail. 
I have complained on the phone.
Consumer complaint received 2019-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have sent certified letters to XXXX with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.