davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

Hello CFPB, I am reporting and disputing the following item from my credit report that has nothing to do with me. I have also been threatened by this company of damaging my credit and repeated harassing calls. 
This item was disputed and removed legally and was not to return back under any other company on XX/XX/2018. The CFPB claim # is XXXX. 

HOWEVER, it has shown up back on my credit report recently by XXXX XXXX XXXX. And the credit bureaus have allowed this despite receiving the same communication letters they sent to you and, myself of deleting this inquiry.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc. (CA)

Leased XXXX XXXX XXXX in XXXX via Tesla Finance LLC. Before the end of the lease, decided to purchase the car and reached out to Tesla ( XX/XX/XXXX ) for final purchase price of {$63000.00} ( Exhibit A in attachment ) On XX/XX/XXXX, wired funds of {$63000.00} to Tesla. Payment recorded against my account. On XX/XX/XXXX, Tesla auto-charged my bank account for the amount of {$1300.00} for the XXXX lease payment even though I paid off the car. Tesla confirmed that I would receive a refund when they sent me the Title to the car. ( See Exhibit B ) Received the Title to the car and a copy of the Bill of Sale on XX/XX/XXXX. Per Tesla, the buyout amount was miscalculated and I overpaid them by {$980.00}. ( See Exhibit B & C ) I have had corresponded with Tesla Finance multiple times since XX/XX/XXXX regarding the buyout of the lease and when I should expect to receive my refund of {$2300.00}. Each Tesla representative promises to fix it but as of XX/XX/XXXX, it has not been resolved. ( See Exh D for 4 pages of email correspondence ). I am now seeking CFPB 's assistance in this matter. I have attached copies of the documents referenced in my email. 

XXXX XXXX
Consumer complaint received 2020-10-11
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. (GA)

Equifax has failed to correctly report my revolving accounts for almost a year. 

Equifax is NOT reporting my revolving account also known as credit card accounts. Those accounts are as follows : XXXX XXXX XXXX ending in : XXXXXXXX XXXX XXXX XXXXXXXX ending in : XXXX XXXX XXXXXXXX has written a letter to Equifax directing them to report these XXXX active credit card revolving accounts on my credit profile. Attached is a letter. 

I have filed 4 complaints with CFPB regarding Equifax to correct this error and they have yet to do anything to fix their error. 

With the advice of my attorney, I am filing one last complaint before filing a lawsuit against the Equifax corporation for damages.
Consumer complaint received 2020-10-22
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2020-10-22
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2019-10-31
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)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX XXXXXXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXXXXXX 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 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequoia Financial Services (CA)

I paid one of my medical bills with the amount of {$160.00} on XX/XX/2018. The account shows as a collection reported XX/XX/2018 with a balance of {$0.00} and the status is paid.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2019-10-31
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. (TX)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX   lnquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2022-11-17
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: Experian Information Solutions Inc. (IL)

I submitted a complaint on XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while experian is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. XXXX XXXX  provided a letter stating that XXXX XXXX  did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Consumer complaint received 2022-11-17
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. (CA)

In accordance with the fair credit reporting act XXXX  account name XXXX XXXX funding Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXX XXXX  account # 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.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # 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
Consumer complaint received 2019-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Co : Specialized Loan Servicing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX URL : www.sls.net Phone : XXXX Total Amount Due : {$620.00} ( As Stated on Statement ) Total Amount Timely Paid : {$620.00} ( XX/XX/XXXX) After Payment Due : {$21.00} ( Rep said will report late if not immediately paid on phone ) Date of call : XX/XX/XXXX Payment Confirmation : {$33.00} ( Rep said no phone fee but charged {$12.00} on XX/XX/XXXX )
Consumer complaint received 2020-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear CFPB, On XX/XX/2020 I booked a ticket with XXXX XXXX XXXX and was charged for the amount of {$890.00} for XX/XX/XXXX until XX/XX/XXXX from New York to XXXX via XXXX XXXX. Since the flight was cancelled due to Covid I reached out to the travel agent and requested a refund via the attached letter. Around XX/XX/XXXX I reached out to Capital One requesting to dispute the charge due to the fact that the flight had been cancelled. Capital One stated that the merchant should provide me with a refund. I asked multiple times that they should reconsider the dispute and they declined my request again stating the merchant will provide a refund. Still not having received a refund, today, XX/XX/2020 I called in and requested the refund of my money and Capital One told me that I could no longer dispute the charge as the merchant in the previous dispute closed the request because they agreed to refund the money. The bank said that the merchant is obligated to refund the money within 15 days if they agree to refund the money. Capital One was obligated to refund The bank was very nasty when I called in today and when I told the representatives that I recorded to conversation since it is my right as an American to bring this up to the CFPB the representative told me that he will have to disconnect because Capital One does not allow to record the conversation. I think this is a violation of my civil rights as New York allows for one side consent in recording. I called Capital One today ( XX/XX/2020 ) XXXX  XXXX from telephone number XXXX and the number I called was XXXX. Please listen to their recording as they record all conversations without always asking the customers if they are being recorded.
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (NJ)

I am a victim of identity theft and the inquires listed below are a result of the identity theft XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, XXXX, Transunion, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

they closed my account for no apparently reason I had direct deposit come into my account because somebody stole my card and multiple times and he gave me provisional credit each time Chase is the worst bank my card number XXXX was supposed to receive a direct deposit on XX/XX/XXXX it's now XX/XX/XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Collection Systems, Inc. (IL)

The account associated with XXXX UNIVERSITY has not been removed as it is CLOSED. 
XX/XX/2017 I have asked to not be contacted through any other means other than standard mail via the postal service to resolve this matter. Yet I still get phone calls and added interest and fees monthly. I have not given permission for any third-party agencies to use or withhold my personal information. I believe excessive fees and interest have been used against me and the agencies involved refuse to answer any of my questions. 

I have not authorized the agencies involved to obtain, store or sell my personal information and have explicitly stated not to be contacted. They do not have a wet-ink signed signature proving I am responsible for any debts they claim I owe them. They harass me and I refuse to have my rights violated any further.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

I have tried to modify my mortgage with Rushmore for many months. I submitted a modification package through XXXX XXXX. Rushmore refused to consider it and I was forced to file bankruptcy when the company moved to foreclose. Subsequently they forced me to enter into a five month trial period for over {$2300.00} per month. I can not afford these payments.

I want to add that this is the sixth company that have serviced my loan. I have fulfilled trial payment periods in the past after which the loan was transferred to another servicer.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX my daughter placed an order with XXXX who put a preauthorized hold on my card ( she is an authorized account user on my account ) as this was a preordered item that was due to be released on XX/XX/XXXX & my daughter purchased a small plush in the store as well. My total came out to {$400.00} on the same day she cancelled the pre order but kept the plush she then went back to XXXX on XX/XX/XXXX & purchased another small plush once I received my XXXX statement I paid off the 2 plushes purchased on XX/XX/XXXX the amount was {$30.00} but Comenity Capital Bank continued to bill me for both the preordered item that had been cancelled & the plush that I had already paid off, I called & sent documentation to Comenity multiple times to show I cancelled the order & paid my bill for the items that were kept. They absolutely refused to help me they disputed the charge for me but then removed the provisional credit they provided stating they couldn't help me even though the documents I sent them proved the order was cancelled. Comenity has been billing me for over a year about this bill & they continue to add late fees & finance charges. As of XX/XX/XXXX they have charged off my account to a debt collection agency & they are attempting to collect {$760.00}, to sum it up Comenity is billing me for the {$400.00} purchase plus fees, late charges & finance charges so the total amount they are trying to collect from me is {$760.00}.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital one is reporting 120 days late on my payment history I didnt receive one notification also every person I talked to had nasty attitude and gave me they run around about late payment and its inaccurate the reason that Im worried because with this inaccurate information is Hindering me from getting aproved for any thing meaning a house or a car or anything I ask that this inaccurate information Be removed