davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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: Mercedes Benz Financial Services (GA)

XXXX unlawfully hired an outside towing company to attempt to repossess the vehicle. On XX/XX/22 This company cause mental anguish and trauma to my Pregnant Girlfriend and XXXX old son. The driver Stated, when asked why he was following her You know why Im following you, your behind on your payments and that he had legal right to follow, because she in someone elses property XXXX XXXX XXXX of the XXXX Police department filed a complaint. Report number XXXX. 

XXXX has no LAWFUL claim to property they are actively trying to STEAL.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Consumer complaint received 2022-04-24
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)

Account # : XXXX Account name : XXXX XXXX  In accordance with the Fair Credit Reporting act 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 2022-08-16
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Since XXXX I've been trying to get into a loan modification with my mortgage company Mr Cooper also known as nationstar. I have made a number of attempts to make a payment and which they refuse to take less than the amount due. Causing my credit to be heavily affected by all the late charges. Then once XXXX of XXXX hit ( pandemic ) they allowed a forbearance in which I had no money at the time to make a payment and was told that there would be no late charges or no reporting to the credit bureaus which is not accurate. I've noticed that there were a few different charges for inspections etc at about XXXX dollars. Also I had been assisted by government program which paid them {$8000.00} in XX/XX/XXXX and they just turned around, sold my mortgage in XXXX of this year. I was a bit confused because they kept telling me they would not accept any payment amount less than what was owed in which they accepted the {$8000.00} some odd dollars. Now my mortgage is with a new lender that I have no forebance with and my credit destroyed!!!
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NC)

On XX/XX/XXXX and XXXX, 2022 Avant credit card charged my account for XXXX purchases and 1 that was declined. On XX/XX/2022 I had XXXX available credit. By XX/XX/XXXX I have XXXX. Just like me everyone who has an account was hacked. Luckily I lost XXXX compared to thousands others have lost. In order to speak to customer service I had to wait hours on the phone to file a lost/stolen report. Avant still has not send out a mass email informing consumers about the data breach.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I opened up a new account with Truist ( formerly Suntrust ). To fund the account, I transfered {$50.00} from my existing Truist account. On XX/XX/XXXX, the money is still not credited to the new account. On two occasions I have called and spoke to representatives for over an hour only to be hung up on or the call forwarded and dropped. The bank will not return my funds and they will not take accountability for the funds being lost.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

I received my credit report and saw a charge off collection from this company and said I owed {$460.00} I have never had an account with them. I had several people staying at our house so I am assuming it was one of them not sure. I contacted the credit bureau 's and they said everything was accurate and that the company says it is mine. But it is not mine no one can show me were I signed anything and I want them to prove to me I signed the original application. This debt is not mine.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in the FCRA.
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On XXXX, XXXXXXXX XXXX I called Equifax to get information about a dispute that I submitted to them on XX/XX/2022 via mail. Records show that Equifax received my dispute letters on XX/XX/2022 ( USPS Tracking : XXXX ) but as I spoke to the Equifax representative, XXXX, she informed me that my disputes had not been looked into nor were they even documented. 

Per records on my Equifax online portal, the disputes were closed and opened within two days. I also received notifications that the information was updated on my credit report and confirmed by a credit monitoring company that I use. As I explained this to XXXX she assured me that there was no history of any documents or any disputes being opened or closed. 

As a consumer, this frightens me simply because I have been trying to remove these accounts from my report for over a year. This leads me to believe that they have never truly confirmed any information regarding these accounts. 

XXXX has already filed a complaint internally with Equifax ( Complaint # : XXXX ) but that is not enough. I demand that action be taken for the lack of professionalism by a company that is supposed to be looking out for the consumer. Please see attached screenshot in regards to the matter, along with copies of the letters that were sent.
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (MN)

I sent a dispute letter to this company to validate this debt that they say I owed. It is now 45 days no response and they continue to report it to the credit bureaus. This is fraud after I have notified them that accounts are in dispute. 
I reviewed my credit report and saw invalid debts reported by your company and as allowed under the Fair Debt Collection Practices Act ( FDCPA ) ; I am requesting that you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2022-04-24
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. (FL)

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act Convergent 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
According to the 15 U.S.C. 1681 section 602 A states I have the right to privacy. 
These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX, XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX Also the only name on my credit report should be XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union (OR)

XXXX XXXX, My wife and I went to First Tech Fed. CU and signed forms to separate our joint accounts. I mentioned that my checking account was setup to pay my wifes credit card if she failed to pay and I wanted that to stop. I was assured by the person helping us that it would stop once the accounts were separate. My wifes credit card was issued by First Tech Fed CU. 
XX/XX/XXXX ( Approximately ), I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. The person said that it was to pay a credit card but claimed he wasnt able to know what company it was with because the company didnt provide First Tech Fed CU with that information. He assured me it would not happen again. 
XX/XX/XXXX, I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. I explained everything about what occurred in XX/XX/XXXX, and what occurred in XXXX ( see above ). She assured me that she would get answers and then never got back to me. I noticed several weeks latter that she had sent a message via the First Tech Fed CU message link located on their online banking page. She merely had responded as though it was an inquiry rather than a complaint and only said that it was a draft for a bank card. 
XXXX XXXX Went to First Tech Fed CU and met with XXXX XXXX, a banking associate who took my complaint in person and elevated it to somewhere in the banking system. Then I began to receive emails from XXXX XXXX that included a XXXX XXXX. I looked at the document and in the block that shows the company that made the draft, it only says bank card. Also, it wanted me to agree to pay {$25.00} per transaction other than the latest one. I responded directly to XXXX and made the demand that First Tech Fed CU reveal who took the money and also that I want my money back. I have included a copy of my emails with her. There were nine transactions that I complained about and she sent a XXXX email for each one. Once I responded to her with a demand to know who took the money and that I wanted my money back, she has began to resend the nine Docusign emails on a daily basis as though I had ignored her request and has not responded directly to me or via the online banking message page
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-25
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: Financial Business and Consumer Solutions. (VA)

There is an old credit card debt from XXXX bank supposably XXXX the amount should only be XXXX which was the actually limit back in XXXX. I lost my job and could not pay the debt back at the time. This company closed the account wrote it off and the debt collector fbcs instead of contacting me years ago they just started now in XXXX threatning me stating that they will come to my job etc. I got a letter this year XXXX for a debt thats almost 6 years old stating that its an attempt to collect. Why wait all these years especially after writing it off and never attempting years ago? I'm having a hardship with children and these people are just cruel and unprofessional. I haven't had the chance to decide what to do with the letter because im not sure whether it would make a difference on my credit at this point.
Consumer complaint received 2024-11-29
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: WELLS FARGO & COMPANY (CA)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.