davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Mercedes Benz Financial Services (FL)

Mercades benz financial has sent someone in the middle of the night to repo my car, they violated my rights below along with the repo company. 

Violations Cited : False and Misleading Information : According to 15 USC 1611, providing false or misleading information about the cost or terms of credit is illegal. I believe there were inaccuracies and/or misleading information provided at the time of signing the lease agreement, specifically related to the sum of all charges, including undisclosed insurance fees and other fraudulent transactions. 

Failure to Disclose Terms : Under the Truth in Lending Act ( TILA ), there were violations regarding the proper disclosure of finance charges and terms, constituting fraud. 

Illegal Repossession : Under 15 USC 1692 ( a ) and ( f ), it is illegal to repossess property through non-judicial actions not ordered by a court or judge. The recent repossession of my vehicle was not sanctioned by any court order, making it unlawful. Furthermore, I conducted business with Mercedes-Benz , not the tow company that took my property without legal grounds, constituting a breach of peace and unauthorized repossession. 

Invasion of Privacy and Identity Theft : As per 15 USC 6802 ( a ) and ( c ), disclosing personal information to a non-affiliated third party without written consent or without providing a clear opt-out option is prohibited. There was no written authorization from me to disclose my information to the third-party tow company, which constitutes an invasion of privacy and identity theft. 

Unfair, Deceptive, or Abusive Acts or Practices : There have been violations of sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) regarding prohibitions on engaging in unfair, deceptive, or abusive acts or practices when repossessing vehicles. The actions taken by your company in repossessing my vehicle fall under these violations.
Consumer complaint received 2020-08-16
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: EQUIFAX, INC. (CA)

I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc. (OK)

The crypto account prepaid visa I transfered XXXX to it was told I could use it anywhere. I have been blocked from the card working also XXXX on the visa prepaid card through app I was told could not get money back in crypto account where I can't buy anything the account waisted full business days I have tried to stop my crypto from the account lost over XXXX on this company allowing all crypto to run out of my account stealing the funds while I have been waiting for them to stop my account now they say NO REFUND NO FUNDS NOTHING BUT TAKE ABOUT XXXX DEPOSTIED AND NOW THEY PLAY WITH MY MONEY AND I ASKED TO SHUT IT DOWN STOP ALL MONEY CRYPTO AND ACTIVELY I HAVE NO FUNDS AT ALL IN CRYPTO AND THEY JUST KEPT MY MONEY.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (VA)

Dear CFPB, I am writing to formally file a complaint regarding the mishandling of my account and inadequate customer service by Marcus Goldman Bank.

My account [ that o I don't have access to the number has been locked, and despite my attempts to resolve the issue, the bank has failed to provide timely assistance. I contacted the bank 's customer service, and while I was told that I would receive a call back to resolve the matter, no such follow-up has been provided. Additionally, the bank claims that they are unable to verify my identity, even though I have submitted all necessary documentation.

Due to this failure in communication and service, my funds have been inaccessible for an extended period of time, which has caused significant inconvenience and financial stress. I believe this constitutes a failure on the part of Marcus Goldman Bank to provide adequate customer support and to fulfill their obligation to assist their customers. 

I request that the CFPB investigate this matter and intervene to ensure that Marcus Goldman Bank resolves the situation promptly, allowing me access to my account and providing proper service in verifying my identity.

Please let me know if you require any additional information to support this complaint. I appreciate your attention to this urgent matter. 

Social number : XXXX Address : XXXX, XXXX XXXX, XXXX, Virginia Phone Number : XXXX E-mail : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX XXXX disabled my online account without notifying me. That same day I called up and they explained to me that the account was disabled due to a rejected power of attorney issue involving my son and that they would walk me thru reopening my account. I was able to do so that evening. However the next day on XXXX XXXX XXXX once again disabled my account without letting me know the reason why. When I call they informed me that " It was disabled at the management level '' and they have to " email them '' to find out why. I was told someone would call me back before the end of the day but I didn't receive a call.Same thing happened the next day on XXXX. The stock market has been volatile and I need to be able to properly view my online account so I can make proper financial decisions. When I said this to XXXX XXXX they said " we can make trades and move money if you need us to '' and I told them that they are missing the point. On order to know what trades to make I need to view my online account so that way I can view the entire picture for my account and buy and sell stocks accordingly.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (AL)

I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (NV)

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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-09-06
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. (TN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase Bank manipulated my checking account back in XX/XX/XXXX. Chase retrieved old car payments, from my acct, spanning back XXXX months, causing me to lose my new XXXX XXXX XXXX. I sacrifice to make monthly payments for it, and out of nowhere because of fraudulent activity on their behalf. Chase Bank decided to be scrutinize me, the dealer XXXX had no idea what was happening they called me and to share what bank did, anyways to make a long story short, they confiscated my car within a week. My credit score dwindled and now they expect me to pay a XXXX XXXX XXXX balance that i owe them! I'm XXXX yrs, XXXX on back now I'm stuck in rut because of Chase Bank their ugly schemes and fraudulent customer service Dept, even the fraud specialists tried to help me after XXXX  years of business and im their client! Chase Bank are manipulator and then some. Someone, please hear me out for heaven 's sake.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (PA)

Re : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, INNOVIS XXXX Over the pass 24 months I have submitted several disputes via certified mail and to the CFPB as well as the Federal Trade commission and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX XXXX deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and XXXX XXXX willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : XXXX. The name of the company XXXX initial date of last payment and reage the account XXXX. The amount of last payment XXXX. The date the last payments were made XXXX. The balance on the account XXXX. The open date of the account XXXX. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can XXXX credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and XXXX have XXXX to XXXX of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that is inaccurate??????
Consumer complaint received 2024-09-12
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX The XXXX account is closed and charged off XX/XX/XXXX. However, as of XXXX XXXX, XXXX and XXXX XXXX reporting the charge off every month, which should not be done. A closed and charged-off account can only be charged off once and should not have a balance which this account does. I have tried to correct this with XXXX and XXXX with no resolve.
Consumer complaint received 2024-09-06
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. (PR)

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Telephone XXXX XXXX XXXX Telephone. XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. Below are the details of the fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take action I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.