davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
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. (FL)

It was deeply upsetting to find inaccurate accounts listed on my credit report tonight, and I am completely baffled as to how they got there. I check my credit report regularly, but this time, I noticed discrepancies that I wasnt expecting at all. I even refreshed my browser multiple times, thinking it might be a glitch, but the errors persisted. Given this, Im asking for a detailed review of the documents I provided to ensure this issue never happens again.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (VA)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. by ( BARCLAYXXXX  ) Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( BARCLAYXXXX XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EQUIFAX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/2023 Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services (FL)

I, XXXX XXXX, acting in the capacity of Attorney-In-Fact and Principal, submit this formal complaint against Mercedes Benz Financial Services ( MBF ) CFO - XXXX XXXX for multiple violations related to my lease agreement and the repossession of the vehicle referenced above. Despite repeated requests for resolution, Mercedes Benz Financial Services has failed to respond appropriately to my concerns, and they remain in violation of federal laws and regulations that govern consumer protection. 

Nature of the Complaint : Failure to Respond to Requests and Opportunity to Cure : I have sent three ( 3 ) letters to Mercedes Benz Financial Services, requesting a revocation of all security interest associated with the referenced lease. MBF has failed to respond to or address my requests. This is MBFs opportunity to cure and to acknowledge that all security interests and unearned interest within the contract belong to me, the Principal. 

Demand for Payoff and Itemized Bill for Repossessed Vehicle : As the vehicle has been repossessed, I have requested a complete payoff bill and an accurate accounting of all amounts owed, including any unearned interest that should be returned to me. Mercedes Benz Financial Services has failed to provide this information. 

Tender of Payment : A tender of payment has been made in good faith, and MBF has yet to acknowledge or apply this payment to the account. Their failure to credit the account amounts to a breach of contract, and I reserve all rights to redress the contract accordingly. 

Legal Violations : The following federal laws and regulations have been violated by Mercedes Benz Financial Services : Truth in Lending Act ( TILA ) : Failure to provide accurate and timely disclosures related to the terms of the lease and repossession. 


Fair Debt Collection Practices Act ( FDCPA ) : Engaging in unfair practices by not responding to my lawful requests for information and resolution. 


Fraud in the Inducement : Misrepresentation of the terms of the agreement and failure to honor the contractual obligations. 
Racketeer Influenced and Corrupt Organizations Act ( RICO ) : Potential involvement in systematic fraudulent practices and conspiracies related to the handling of this contract. 


Fair Credit Reporting Act ( FCRA ) : Any negative reporting to credit bureaus based on the misapplication of funds or failure to recognize tendered payment. 


Invasion of Privacy Act : Unauthorized sharing or misuse of my personal and financial information.

Securities Fraud : The mishandling of interest and payments that constitute securities fraud under applicable laws.

Fraud : A continuous pattern of fraud, including but not limited to the mishandling of payments and failure to honor lawful contractual obligations. 




XXXX, XXXX / Attorney-In-Fact XXXX XXXX/ Principal
Consumer complaint received 2023-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

PSLF : Since XXXX, my student loans have been managed by XXXX, XXXX, XXXX, then to Mohela in XXXX. 
I submitted two ECFs to Mohela XXXX XX/XX/XXXX ( via document upload ). Both ECFs had long since been submitted to XXXX and had not been processed/counted correctly. 

Current eligible count on tracker : XXXX payments. Current qualifying : XXXX. The two ECFs I submitted to Mohela via document upload and per PSLF Waiver were submitted XX/XX/XXXX were finally processed by Mohela in XX/XX/XXXX, as was shown on document upload page, yet my tracker did not get updated. I called/chatted/messaged with Mohela several times. I was assured several times my tracker count would be updated. Time passed. Tracker was still not updated. I called, chatted, messaged some more. Still, tracker not updated. This was through and up to XX/XX/XXXX. Each time, Mohela CSRs, and Mohela messages told me my issue " had been handled '' or " wait 90 days. '' My issue had not been handled. There was no change on my Tracker, still. 

I called again on XX/XX/XXXX. XXXX told me there seemed to have been an error and those two ECFs signed and dated years ago, back to XXXX, " had not been processed correctly. '' Later, XX/XX/XXXX, I received a message on Mohela " We apologize for any inconvenience this may have caused. Your most recent PSLF applications were not processed correctly. We submitted a request on XX/XX/XXXX to reprocess your Public Service Loan Forgiveness ( PSLF ) applications received on XX/XX/XXXX... unprecedented... '' Please help. As mentioned, both of the two ECFs had long since been submitted to XXXX and should have, long ago, been applied per the PSLF waiver. I have been in PSLF since XX/XX/XXXX. I understand Mohela is busy and employees may be overwhelmed, but mine is not a complicated issue to take care of. I should have been finished with PSLF some years ago. I have been working In public service since XXXX. Thank you for your time and assistance. 

Two ECFs previously submitted to Mohela ( and XXXX ) are attached.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear Mercedes Benz I am writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have been trying to know the whereabout of my {$10000.00} that I began to withdraw on XX/XX/year>. I went into the Wells Fargo Bank, XXXX XXXX on XX/XX/year> to withdraw a large sum of money. I was withdrawing {$10000.00} and while the teller was putting the money through the machine to verify the amount, I signed off on the withdrawal slip. The teller then proceeded to place the money in a bag for me. I feel so embarrassed to say but I spaced out and left the bank, without the money bag. I noticed immediately and have asked the bank to check their cameras to see what happened. I have gone in person, I have called, I have called the XXXX Police Department ( case # XXXX ) and nobody seems to be getting anywhere. If my memory failed me and I got the money and eventually lost it after leaving the bank, I'll accept that as well. I just need to know what happened to it. I do not recall even receiving the money and makes me think that Wells Fargo is not cooperating with me because they have something to hide. I just want to know whatever happened to the money. This was a large sum of money that was lost or stolen, I'm not sure and for peace of mind I want to put this all behind me. Please help me.
Consumer complaint received 2024-10-07
Product: Credit 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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2024 someone made a fraudulent purchase of a plane ticket using my JetBlue credit card information totaling in {$2100.00} ( transaction number XXXX ). I received an email on XX/XX/2024 about the transaction and I called Barclays Bank and disputed the charge. The plane tickets were purchased under my name from XXXX XXXX to XXXX XXXX then to XXXX for XX/XX/2024. Charges were removed while investigation was on going. 

On XX/XX/2024 I received a notification that the investigation was completed on XX/XX/2024 and they determined the activity was valid based on documentations provided by the merchant ( XXXX ). At this time the charges were posted again to my account On XX/XX/2024 I called XXXX directly to dispute the charge with them. They gave me the information of what happened. Tickets were purchased on XX/XX/XXXX to the location mentioned above, for XX/XX/XXXX, then it was canceled and rebook for XXXX to XXXX for XX/XX/XXXX and then was canceled again and refunded ( Not to my credit card ). The case was opened by the XXXX representative and I was given a confirmation XXXX  and was told to give them 7 days to investigate. They told me XXXX would reach out if more information was needed. 

On XX/XX/XXXX I called XXXX again to get an update. They were unable to give me an update and I was told to email XXXX, to see they could give me an update. I emailed them and I did not receive any response from them. I also called Barclays again and had them reopen the investigation On XX/XX/XXXX I called XXXX again to get an update and again I was not able to get any information. The representative stated he would have to resubmit the fraud case. I asked for some confirmation number or reference number on the case and he stated he didn't have a number to give me and I would have to just take his word that he submitted the claim.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS # : XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-03-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched transactions XXXX XXXX see attatched transactions XX/XX/XXXX. Duplicate charges are XX/XX/XXXX, {$340.00} XX/XX/XXXX ALL XXXX are charges from XX/XX/XXXX TOTAL {$470.00}. All XXXX Transactions are ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX. XX/XX/XXXX statement ( MERCHANTS PAID {$340.00} XX/XX/XXXX back on card XX/XX/XXXX as New Purchases ) THERE ARE NO CREDITS FROM USAA. All these are duplicate charges. XX/XX/XXXX AND XX/XX/XXXX TOTAL {$810.00} ON CARD 2Xs.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

I have Zero old debts I had filed Chapter XXXX Bankruptcy and I was called, and threatened by Midland Credit Management that if the {$700.00} balance is not paid they will place it on my credit, this debt was included in my Chapter XXXX Bankruptcy and Midland Credit Management just recently reported the balance as a new debt. This is an illegal tactic which I find appalling. Please Delete the following listed below from my credit report. 
XXXX - MIDLAND CREDIT MANAGEMENT XXXX Date : XX/XX/2022 {$700.00} Midland Credit XXXX XXXX XXXX : XXXX East Big Beaver XXXX XXXX XXXX MI XXXX