davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (DE)

In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. 
The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. 
If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. 
When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (DC)

I had previously filed XXXX complaints against Seterus - XXXX and XXXX regarding unethical and illegal practices. After filing the last compliant, I sought assistance from an HUD approved agency, Washington XXXX XXXX for foreclosure prevention. We completed and submitted a complete package to Seterus. Seterus responded with a letter ( attached ) dated XXXX XXXX, XXXX with a payment agreement. The first payment of {$1300.00} was due on XXXX XXXX, XXXX. On that date, I called to make the payment and was informed the letter was sent by mistake and I had to pay {$3900.00} to keep from moving the foreclosure ( letter attached ). Because I have a lot of equity in my home, it would be an accelerated foreclosure. The least amount I could pay to prevent this was {$3900.00} on that day before going into a new month. Under this threat and pressure, I authorized the payment for that huge amount and then borrowed to cover the funds. Acknowledgement of payment on XXXX/XXXX/XXXX is attached. However, on XXXX XXXX, XXXX, I received a demand letter of foreclosure due in less than 30 days on XXXX XXXX, XXXX ( attached ). I have sent numerous complete packages to Seterus and after I submit a complaint for non-response to my request, they say something is not complete. Problems have been going on since my account has been with Seterus such as saying I had declared bankruptcy ( which I never have ) saying I was in foreclosure ( when the account was current ) increasing monthly payments, etc.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-31
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. (PA)

It was a shock to see wrong accounts suddenly appear on my credit report XXXX, and I have no explanation for it. I checked my credit report, as I regularly do, and was XXXX  by these discrepancies. I even refreshed the browser, hoping it was just a technical glitch, but the inaccurate accounts stayed. This issue is causing me a lot of XXXX, so I'm urging a thorough check of the documents I provided, so I can finally feel at ease.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (MA)

An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (TX)

ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (MI)

Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n't certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I 've been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I 've already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. 
I never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I 've been approved for and have not missed making a timely payment since then? 
Basically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have challenged the correctness and truthfulness of a judgment on my credit report several times starting in XXXX 2014 and asked Experian to verify it to be correct to which Experian tells me they have veriiedy as correct ( without doing the verification ) or reflects my request as " suspicious '', or just stalls and tries to explain their process. Experian recommended that I follow up with the Clerk of Courts with any questions about the disputed judgment. I did and could n't verify its correctness. The Clerk of Courts told me that they do not report XXXX verify any information with the XXXX CRAs at any time. I followed up with Experian with a letter telling them that the Clerk of Courts did n't verify that information and questioned their integrity to which I received a letter where they try to explain the process they follow which is in direct violation of the Fair Credit Reporting Act ( FCRA ). They [ Experian ] wrote, " We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed ... '' My issues with this are as follows. 
1. The FCRA is extremely clear about WHO is required to verify the information published on a consumer 's credit report and it is n't a XXXX party vendor that has NO first-hand knowledge of the item. XXXX 's XXXX XXXX XXXX XXXX. Defines " Verification '' as " Confirmation of the corretness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. They ( Experian ) have to have documents that support their claim that they verified the accuracy of the disputed item. It 's the business record ( the documents ) that consitutes the accuracy, not the testimony of a XXXX party witness referring to the documents. In other words, they EXPERIAN are willfully disregarding the law and illegally reporting hearsay on my credit report. 
2. FCRA section 611 Procedure in case of disputed accuracy says that if they [ Experian ] can not verify - they [ Experian ] SHALL delete that item of information from the file. 

They have not verified the information as correct according to the law and since this dispute is well over 30 days, Experian SHALL delete that item from my credit report forthwith. 

The Federal Trade Commission has recognized that the CRAs are publishing inaccurate information on consumer 's credit reports. Please refer to the attached opinion letter written by an attorney from the FTC Re : Section 603 ( d ) & ( f ) of the Fair Credit Reporting Act. Endnote # 1 - " it is important for the consumer to know that inaccurate information IS being disseminated by a CRA ''.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been working with trans union on getting my credit report corrected. I contacted them to have them chage information about my student loan they are showing that therre payments but there are none until 2016. I have contacted the agency about my XXXX XXXX account the agent said they understood what i wanted to dispute and restated what i told them. I pulled a copy of my report today the acount was there and undisputed. The agants always seem to be impatient and rush you off of the phone or interupt you stateing the understand and will help you but then the dispute is undone or done incorrectly. Account termsCreditor name/info, balance, payment, etc. 


Account statusPaid bill on time, account closed, etc.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is where I have banked for twenty years. They changed to XXXX XXXX. I banked on line for years with Bank of America and decided to do the same with XXXX since all of my online banking information was transferred as well. I paid all of my bills on line for a few months and had no problems. I paid my XXXX 2015 mortgage payment in XX/XX/XXXX to Bank of America along with all of my other accounts. When I went to pay XX/XX/XXXX 's payment in XX/XX/XXXX, I realized XX/XX/XXXX was not paid. When I called Bank of America they said they only received a dollar in XX/XX/XXXX. I asked Bank of America why they had not called me. I had paid them faithfully for nine years why not call when they did not receive a payment. I could have contacted XXXX XXXX right then. They stated that they had called me at work and left a message on my machine. They did not call my cell, nor did they call me at work. I do not have an answering machine at work. I work XXXX plus hours a week, I 'm the XXXX XXXX and would have known if they had called. I called Bank of America several times this week trying to get my account corrected and the last time I called and asked the very same question to the customer service gentleman, he told me that no numbers were called. They just sent my information to a debt consolidation firm. So I never received a past due letter or phone call. I was very concerned that this would show on my credit report but more importantly my mothers as she has co signed on my house. I paid two payments immediately on line to get my account straight and one by phone. One of my payments on line did not get posted, when I called Home trust they stated that they notified businesses that account numbers would change. He stated that his day is spent answering compliants such as this. My mortgage was kicked back on one of the payments but not both of them done on the same day with the same bill pay account number. Every time I called Home trust they confirmed that the payment was taken from the account they did not understand why Bank of America did not receive it. I paid three times and only two payments were posted one from on line and one by phone. I am trying to build my credit. XXXX XXXX and Bank of America have now destroyed it. This knocked my score down XXXX points and my mother is a cosigner. This is not fair to her. Since XXXX XXXX took over my account, my debit card has not worked at the grocery store. The " available '' balances are not correct. I deposited a check for XXXX XXXX it showed this amount in my available balance but then kicked a payment to a credit card back. I have since changed banks and will not ever have this issue with XXXX XXXX. I do not feel that this should be on my credit report. I was not thirty plus days late on my mortgage payment and do not feel that any of the credit bureaus should reflect this. Please help me resolve this.
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I cosigned a XXXX XXXX signature student loan for $ XXXX.loan for my daughter on XXXX/XXXX/2009. After numerous calls at least 10 to 20 per day, and reporting to my credit bureau because she could n't pay it. I called Navient and asked the representative If it was possible to negotiate a settlement. That I was XXXX on a XXXX.That I have paid at least over {$2000.00} on it. I offered {$3500.00}. after they cashed my check, They denied it, and now they are saying the rest still have to be paid by my daughter.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: John C. Heath, Attorney at Law, PLLC (CA)

I contacted lexington law in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the XXXX XXXX XXXX where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what Lexington Law had done, however, XXXX has not. Please help me.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Several Months ago I contacted Trans Union about incorrect information on my credit file. 
I Mailed in evidence to correct my personal information such as a Driver license, Social security card, Marriage certificate and a copy of a lease. Trans Union did not correct my personal information, they kept the old incorrect personal information that does not belong to me on my file and added the information to the file in which I sent. In addition I am also an identity theft victim. Lastly, XXXX was given the same information years ago but Trans Union will not update. Please help.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.
Consumer complaint received 2015-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX