davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: Mercedes Benz Financial Services (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear MB FIN SVCS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud.

It has unequivocally come to my attention that MB FIN SVCS has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title 9:3571.1 provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under L
RS Title 14:67.16, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for MB FIN SVCS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MB FIN SVCS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MB FIN SVCS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2016-06-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have inquiries on my credit report from all XXXX bureaus XXXX, XXXX, and TransUnion. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To Whom It May Concern, I am writing to demand immediate action regarding the gross inaccuracies on my credit report and to request detailed information regarding the steps your institution has undertaken to ensure the complete accuracy of the disputed items, as required by 15 U.S.C. 1681i ( 7 ) Method of Verification. Per 15 USC ( 6 ) ( B ) ( iii ), your agency is legally obligated to provide a comprehensive account of the reinvestigation process, including : - The specific business name and address of each entity contacted for verification - The persons name with whom the verification was made - The complete documentation used to validate the disputed information.

This information must be provided within 15 days from the date of this request, as specified by law. Failure to do so will constitute a violation of your statutory responsibilities under the Fair Credit Reporting Act ( FCRA ). I previously instructed your agency to immediately block and remove all fraudulent information from my credit report and to provide me with an updated report. However, despite these clear directives, the following inaccurate items persist on my credit file : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP. (GA)

According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

Dear Sir or Madam, I 'd like to file a complaint against Citi Cards. 

History : On XXXX XXXX, XXXX, my bank mistakenly sent a credit card payment to Citi Cards as part of their on-line bill pay service. ( I may have wrongly checked the Citi Card box instead of the XXXX box as the recipient of the payment. That part would then be my fault. ) The amount of the payment was {$5000.00} On or about XXXX XXXX, Citi 's Payment Investigations XXXX. contacted me to find out what the payment was for. ( I have not been a Citi card holder since XXXX XXXX. ) By going over my bill pay schedule with the Citi representative, we were able to determine that it was a mistake and should have been sent to XXXX cards ( United Mileage Plus Visa ). The woman I was speaking with ( XXXX? ) assured me that it was a common error. 

When I asked if they could just return the money to my bank ( XXXX ), she said that they would have to send me a check instead, but assured me it would come in three or four days, but definitely not more than ten days. That was XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, one full month that they have held a substantial sum of our money. 

I have called Citi three times in the intervening three weeks and no one was able ( or willing? ) to help. There is apparently no way to connect me by phone with their Payment Investigations Dept.. Indeed, even they can not seem to contact the Dept. by phone. All they can say is : " well, it might take as much as a month for that money to get back to you. '' This seems excessive and unacceptable. They will have held on to {$5000.00} of our money for 30 days??! 

I also asked XXXX XXXX to intervene on our behalf since they assured me that Citi had indeed 'cashed ' the electronic funds transfer. But all they did was contact someone at Citi and got the same message as above. 

Any help you can be would be most appreciated. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed unauthorized inquiries on my credit report or I believe someone applied for something in my name. 
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX inquiry date:XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pendrick Capital Partners Holding, LLC (OH)

I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XX/XX/2016 as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older one through the bureau in XX/XX/2016 and then this new one pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old one, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XX/XX/2016 and report date of XX/XX/2016, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.
Consumer complaint received 2024-08-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION (SC)

I have had numerous difficulties resolving delays in processing my mortgage with Navy Federal. I received my Closing Disclosure on XX/XX/XXXX for a closing on XX/XX/XXXX with a cash to close amount of {$21000.00}. On XX/XX/XXXX, I wired {$21000.00} to the closing firm. 

On XX/XX/XXXX, the date of closing, I received a new Closing Disclosure with a cash to close amount of {$22000.00}. They refused to honor a {$220.00} lender 's closing credit for increases in closing costs above the legal limit.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (OR)

I applied for Citibank cashback card. First they approve it, then they made me send a bunch of documents to verify my account. It has been almost 3 months and I am stuck with a card on my file, which I can not use. When I call back to cancel the account, they say it can not be done because it is still under " review ''. Here is the kicker, when I ask for a manager, I am put on hold for 30 minutes, and then told that he is not available. i give a callback number, which of course never comes back. Apparently, that 's Citi 's way of dealing with unsatisfied customers.
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aspen National Financial, Inc. (AZ)

I have received numerous calls from this company saying they are attempting to collect a debt. I have no debts. I called them back at their call back number to request the stop calling. An individual by the name of XXXX XXXX spoke with me and said I would have to send them a letter stating I have no debts. XXXX XXXX then tried to obtain personal information so I terminated the call.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.