davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: Mercedes Benz Financial Services (FL)

I received a refund check from Mercedes-Benz Financial Services for {$840.00} because they did not stop the XXXX XXXX payment lease option after I purchased the car. I deposited the check in my XXXX XXXX checking account on XX/XX/2023. However, on XX/XX/2023 a check deposit reversal was issued. I received a letter from XXXX XXXX that states why the check is invalid.. After contacting MBFS customer service more than six times, no effort has been made to refund my money. I have requested a substitute check but have yet to receive an answer.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (KS)

Flagstar Bank existing morgage was refinanced to a new Flagstar Bank mortgage. 
Existing mortage had {$2700.00} in the escrow account at the time of closing on XXXX XXXX, 2020. 

We were told early on in the refinance process that the escrow balance could not be transferred to the new loan 's escrow account, it would be refunded to us and we would pay a new escrow amount as part of our closing costs. 

At the time of closing, we expected to receive the {$2700.00} refund check. 

On XX/XX/2020 a 'refund check ' for {$89.00} for 'escrow surplus ' far below the amount we were expecting. 

Upon review of the old mortgage activity, there is notation of 'payment to escrow ' in XXXX of ( negative ) - {$2300.00}. 

Upon further closer review of closing documents we signed on XX/XX/2020 there is no mention of any credit of escrow account balance anywhere. 

On XX/XX/XXXX, I spoke with representative from Flagstar who tried to explain that the amount was credited in the closing, but when I told her there was no mention of it in the closing documents, she referred me to the closing agent. at XXXX  XXXX. 

I contacted XXXX  XXXX, who told me that they would have had to have received the amount for the credit from Flagstar in order to include it in the closing, which they did not. She stated that she would then contact the Flagstar lending agent for more information and respond back to me via phone. 

All-in-all, there is no explanation of what happened to the remainder of the escrow balance in the old mortgage, Flagstar 's explanation of it being included in the closing is not valid, the closing documents mention nothing about it, and the mortgage settlement agent has no record of it. 

Flagstar 's account activity records that I can see via my customer portal are very confusing and do not match up to the amounts that the Flagstar representative I spoke with on the phone was quoting me. Their staff are unprofessional, and seem to want to pass the buck to their settlement agent company. Flagstar has been difficult to deal with through the whole process, passing us through numerous people, not getting back with us timely, having us sign documents numerous times to get the refinance process progessing.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

I have a XXXX XXXX XXXX. I have a citi credit card set up on autopay. On XX/XX/23, I found XXXX charges from citi. XXXX purported to be a returned check fee and the other an insufficient funds fee. Both carry the same transaction number and both claim to be the result of a returned autopay. 

1. Although an autopay was due around this time, the bank records show a sufficient balance available and show that no attempted debit was made. 

2. The auto debit was {$25.00} and the XXXX fees ( differently styled returned item fees ) amount to {$90.00} in fees. 

The only contact with Citi advised that she was not authorized to address such issues and could not reach a supervisor. She was only able to read a script stating that the " fees are valid ''. She was unable to define the nature of the fees, explain why there were XXXX separate fees in differing amounts for XXXX alleged transaction or provide a transaction ID to prove Citi made a successful autodebit attempt. The only information she could offer was a XXXX XXXX XXXX write a letter to Citi. A copy of this complaint will be forwarded to that XXXX XXXX XXXX Citi has violated the terms of their own contract by applying multiple fees to XXXX transaction and has engaged in fraudulent practiced by failing to attempt a transaction and then gouging the customer, TWICE, for their failure.
Consumer complaint received 2020-11-05
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. (LA)

XXXX XXXX failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (FL)

I receive repeated text messages from MRS BPO LLC and phone calls from their number telling me to call them. The text message is as follows : " XXXX, Contact MRS BPO LLC regarding a matter with XXXX XXXX XXXX XXXX XXXX The MRS is a collection agency. Text : https : XXXXXXXX XXXXmy phone number or Reply Chat Call : ( XXXX ) XXXX XXXX  : XXXX Opt Out : Reply STOP XXXX XXXX XXXX '' First of all, I don't know XXXX ( Sometimes the name is spelled XXXX ). Second of all, I have no business with any company called XXXX XXXX XXXX XXXX Third, I have no debt in collections. Fourth, if I had something overdue, the company to which I owed whatever it was would send a letter BEFORE some collections agency and they would nottify me that it is being sent to collections. 

I have reported this as a scam call/text to wireless carrier. I have reported it to the FTC do not call complaints. There are lots of people complaining about getting this same text on the internet. I will not call this company because, although the company may be legit, all of the numbers/links in the text may be fraudulent. Nobody knows if they are actually calling the real company or the real company is texting. This text message and phone calls have come on the heels of hundreds of scam calls ant texts that I have received in the last three months, which I have also been reporting. 

Last month, several people at my business received e-mails on their work e-mail from what appeared to be this company regarding other debt collections for various companies none of them had done any business with. 

The complaints about this company on the XXXX  Website have skyrocketed in the past year. Before that they had many fewer complaints. Someone should investigate whether this company is being spoofed by scammers
Consumer complaint received 2023-02-21
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-11-18
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. (FL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-01-10
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Balance : {$14.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect items were 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 Experian, XXXX, and XXXX 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 items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2023-03-23
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2019-12-24
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. (PA)

I have no idea why this account exists but I disputed with the original company, and asked them to verify the account information, and send me the contract they have with my signature or some kind of consent, and they have failed to send me the requested information, I contacted the credit bureaus that are reporting this information and asked them to do the same, verify account, send me the original contract with my consent and signature, and they have failed to protect my credit file.
Consumer complaint received 2023-04-03
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 3rd time complaining about Fraud with my information. My information is being used, attempting credit lines and loans. XX/XX/XXXX and inquiry from XXXX XXXX notified me that and inquiry was made. I took legal action, I have filed a police report pursuing charges for Fraud. Ive tried to report this fraudulent actions since XXXX. When I found out, my information has been compromised since XXXX. A response saying that 7 inquires has been deleted, but as of today.. it remains there. The inquires : XXXX   XXXX/XXXX, XXXX XX/XX/XXXX in my XXXX. XXXX  XX/XX/XXXX in my XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX are still on my credit report. My information has been compromised since XXXX and still being used. Im putting a lock on my Social Securty #. I also took action and filed a police report for identity fraud. There are 23 inquiries on my credit report that I have NO RECOLLECTION of and know nothing about how there got there. 
XXXX  : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. Equifax : XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. When I found out that my information was just used on the XXXX of XX/XX/XXXX I filed a police report XX/XX/XXXX with The XXXX Countys Police Department. Officer XXXX badge # XXXX Complaint # XXXX
Consumer complaint received 2019-12-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Email to PHH, XXXX XX/XX/XXXX requesting payoff as of XXXX XX/XX/XXXX with a copy of Chapter XXXX  effective XXXX Mail to PHH XXXX XX/XX/XXXX personal check {$1000.00} requesting amount be applied to PRINCIPAL ONLY and payoff amount as of XXXX XX/XX/XXXX. Instead, PHH applied funds to monthly mortgage payment thru XX/XX/XXXX. 
Email from PHH # XXXX, XXXX XX/XX/XXXX, acknowledging receipt of email. 
Letter to PHH requesting Principal Payoff Balance XXXX XX/XX/XXXX with a certified check in the amount of {$1500.00} to be applied to PRINCIPAL ONLY, not to monthly mortgage payments. Documents received at PHH, XXXX, NJ by certified mail, XXXX XX/XX/XXXX, attached. PHH disregarded request for funds to be applied to PRINCIPAL ONLY and applied funds to monthly mortgage payment through XX/XX/XXXX. They also suspended payment of {$560.00}, XX/XX/XXXX, documents attached. 
Email to PHH requesting an adjusted payoff date of XXXX XX/XX/XXXX for principal payoff balance. I informed PHH that they were milking it customers by not providing the requested information. PHH is performing an inappropriate accounting practice. Email attached
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to  misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-07-31
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/2019, COMENITYCAPITALXXXX added a derogatory mark on my credit report per XXXX. This account does not belong to me and should not be reported on my credit report. Upon further research, this account has been transferred and sold multiple times. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, COMENITYCAPITAL/XXXX  has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-10
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. (MI)

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : 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