davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

We refinanced our mortgage with XXXX ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2022-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc. (NY)

I initially placed my Tesla Energy order for solar to be installed at my home on XX/XX/XXXX. XXXX 's vendor XXXX XXXX approved my loan application on XX/XX/XXXX, to fund the project. Tesla installed the solar equipment, and all inspections were completed by XX/XX/XXXX. 

After installation, I expected to start repaying the loan I'd secured. After several months of contacting Tesla and XXXX XXXX, I provided a copy of the deed recorded with the county clerk, a piece of supporting documentation required for my loan that I'd provided XXXX XXXX  on numerous occasions. The last time I interacted with XXXX XXXXXXXX was on XX/XX/XXXX. 

Both Tesla and XXXX XXXX  were uncommunicative with me until XX/XX/XXXX, when a member of Tesla 's Energy Escalation and Resolution Team reached out to me. Tesla informed me that my loan with Sunlight Finacial wasn't funded " due to unforeseen circumstances. '' As an alternative, I was offered an internal loan product by Tesla that would save me money. The loan application process was completed by XX/XX/XXXX, due to unreliable and unclear communication on Tesla 's part. 

After securing the second loan, the first bill was incorrect by {$3200.00}, and the payment amount did not match any statement that I'd received from Tesla. Thankfully my bank was able to reverse the charge and limit the damage this could've caused. This incorrect billing amount has been debited from my bank account twice, and Tesla is still looking into resolving the issue.

Tesla has not been able to provide me with a timeline on when my account will b
e corrected and when I can resume regular monthly payments. Tesla also has been unable to confirm whether they've removed the autopay authorization from my account to prevent further erroneous charges hitting my bank account. This ordeal has been a protracted 16-month disaster.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I received a document from XXXX  stating financial agencies that my name and social were involved with. I have no clue about this agencies. I am aware that I am a victim of identity theft. and I have no idea how to go about fixing this problem
Consumer complaint received 2022-10-22
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. (GA)

Several inquires was reported on my credit profile without authorized approval or request for said credit. The following credit companies reported negative and hard inquires on my credit profile which is impacting my XXXX XXXX to be eligible for any future credit increases and new credit. 
Inquires Reported are as follows : XXXX XXXX XXXX XXXX XXXX ; RESIDENT VERIFY ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ;
Consumer complaint received 2021-05-06
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. (IA)

I have been trying to get into my Equifax account. I have spent the 15 minute process verifying with automation as well as with a representative who barely speaks English. Once that was completed Equifax sent a text stating I had to upload my drivers license. But by uploading, I agree that Equifax can use any piece of information of myself for their own dispose for up to 13 months. The only other option was to mail a copy of my drivers license as well as social security card. Not doing either. Please assist.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

My wife was the primary card holder and I was an authorized user. My wife has passed away and Citi and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Consumer complaint received 2022-03-24
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: CITIBANK, N.A. (NY)

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (CA)

Dear cfpb : On two occasions over a 6 month period I have called XXXX car loan processing dept to get a letter, or some other document showing there is no balance on a car loan. The State of CA, will not issue me clear title without this letter. I have attached that letter. 

XXXX said that " no loan exists for the VIN number '', I said that is fine, send me letter re that, and they said OK. 

It has now been 10 months and nothing ... .. I dont think a third call to them will be of any use, please help. 

the VIN # is XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (MD)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (FL)

I have attempted twice to dispute inaccurate reporting by Synchrony Bank on several of my personal accounts I have with them. The last dispute was submitted directly to Synchrony Bank on XX/XX/XXXX. This letter contained a letter stating my request to remove inaccurate reporting of late payments, and incorrect address, along with evidence proving the information being reported was not accurate and should be removed. XX/XX/XXXX I received a letter from Synchrony Bank stating their review indicates they are correctly reporting to the credit bureau ( s ). I feel Synchrony Bank is in violation of The Fair Credit Reporting Act.
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MD)

This is the first time that I have received anything from XXXX XXXX XXXX, XXXX. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

XXXX XXXX XXXX, XXXX has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

Nelnet which is contracted by the US Department of Education is totally dysfunctional and inept. Case in point, I sent an email on XX/XX/2019 which was a simple post discharge monitoring form, 10 days later on XX/XX/2019 they actually, acknowledge receipt of my e-mail. It is a rather simple form that requires 30 seconds to process, my account number is : XXXX. Filing a complaint is usually the only way Nelnet actually completes and processes something.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I XXXX XXXX submitted a full modification package to a mortgage servicing company known as XXXX XXXX. There was a complete modification package submitted in XX/XX/XXXX and another one submitted in XX/XX/XXXX whereas the file took nearly one year in underwriting review and was rejected because there was a lien on my title from the divorce attorney that handled my divorce. I then re-submitted a new modification package with a copy of the lien release. All of my financial conditions were met to qualify for a home modification. As my loan was in final underwriting review, XXXX XXXX sold the servicing rights to my mortgage to Mr. Cooper, formerly Nationstar Mortgage. I now have to send in a full modification package for the third time. Fortunately, I have all of my documentation together and I can expedite a full modification package once I receive a clean mortgage assistance application. I have made this request on several occasions within the past 30-days, even with the bank 's attorneys as my mortgage was thrown into a foreclosure process during my divorce. My case was badly handled by XXXX XXXX and now I'm seeing the same lines of communication going in the same direction with Mr. Cooper. I am more than qualified to handle the completed modification payment arrangements. I will file a formal complaint with the Federal Deposit Insurance Corporation on this abusive collection practice that could easily be resolved with the right professionals at Mr. Cooper. I am in dire need of assistance from the Consumer Financial Protection Bureau to expedite my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. I demand that my modification assistance application be emailed to me immediately so that I can process and forward a full modification package for underwriting review.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GREAT WESTERN BANCORP, INC. (NE)

I was charged {$250.00} for smoking at the XXXX XXXX by XXXX XXXX OH XXXX. I don't smoke. My wife doesn't smoke. We didn't smoke at the hotel. When we attempted to resolve the issue with the hotel, they charged me {$300.00} for calling the front desk. Great Western Bank and XXXX refuse to reverse these fraudulent charges. 

Hotel stay was from XX/XX/XXXX to XX/XX/XXXX. Dispute was filed with bank on XX/XX/XXXX.
Consumer complaint received 2022-07-29
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2020-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Someone had fraudulently been making withdraws from my bank ( I'm XXXX ) account multiple times a day with my granddaughters ( she's XXXX ) ID she had lost we filed ID theft reports, we filed police reports and the woman ( rude ) woman at Wells Fargo said since her ID was used it must be her when clearly it was not I have had fraud alerts on my account for under XXXX dollars but there was not alert for multiple withdraws at multiple Wells Fargo locations especially since she had brought it to my attention because she though it was me making the withdraws. Neither of us would make a false police report or risk going to prison lying about something yet there is no resolve these were notes by a woman named XXXX XXXX Wells fargo investigator at  XXXX.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-08-18
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. (FL)

I want to report fraud by Experian, XXXX, XXXX. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

I have been a customer of chime for years. Over the last week my account has been compromised three times. Someone sent an email with a fake id requesting my login information be updated. It was approved by XXXX.. That was resolved by me sending in proof identification. After regaining access to my account the account was yet again approved for update by a scammer this change was also approved by XXXX after going through the verification steps again I re gained access to my account. Now today my information was yet again updated by XXXX without my permission so yet again I have no access. At this point I am frustrated and this seems like negligence by chime to allow these updates. There is no reason that my account information should be updated without my consent three times!! ' The employees need to do their job right!!
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
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: Consumer Portfolio Services, Inc. (MO)

My car was refinanced through upstart back in XXXX. My previous lien holder mailed me a refund for overpayment. They have yet to release my title. I have sent emails, they ignore. The new title holder has reached out to them. Still no title. I have read they do this often.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX  XXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Consumer complaint received 2022-07-29
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. (LA)

This is about Experian. Woke up to an email on XX/XX/22 saying my account email address has been changed. I replied to their help address as directed and was told I would get a response in 2 business days, which is absurd. I attempted to reach them on XXXX, but they dont respond outside of business hours. 

Luckily, I found this article, which details the problem : XXXX XXXX XXXX It appears that this has been a common problem with them lately. Someone with rudimentary personal info on you can register a new account and own yours. This has been known for at least a month, and they havent hardened their security. 

I didnt even want this account, but it was offered to me during their last massive data breach, in which they were given a slap on the wrists. Serves me right. 

Luckily I was able to get my amount back ( no help from them ) by using the same exploit : re-registering an account with my information.
Consumer complaint received 2022-04-25
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. (MO)

Unauthorized use of credit report. I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX. Please provide any documentation certified and sworn via affidavit by the CEO of your company to the contrary.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.