davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. 
I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

I submitted a false and deceptive form ( APPLICATION NUMBER : XXXX ) in order to extend my credit to Navy Federal Credit Union and was denied my rights. Navy federal used my credit card and I didn't receive any benefit which is an unauthorized use according to the Truth in Lending Act. This act constitutes a criminal and civil liability. Navy federal sent a denial letter stating factors which led to a denial and they should know that those factors ARE NOT DECIDING FACTORS. You can not deny me of my rights.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I have repeatedly asked for itemized bills and receipts and I am only being sent old copies of statements that I have no idea what the charges are. I do not know if they are furniture, bedding, service charges or anything else because I am not being sent itemized bills or receipts to determine what the charges are. I settled my issues with XXXX 's corporate and although it is being stated that XXXX, XXXX etc. are the original debt owners, the reality is I did interactions with XXXX 's corporate, who was the entity that was supposed to remove charges and correct statement as they are the one who made errors in double charging a return and were to refund the {$500.00} I had to pay to remove bedding their employees dumped in front of my building in XXXX. My credit statement on XXXX does not even state that this is disputed. 

I have no idea what they are trying to collect I request itmezed bill and receipts not old copies of statements which do not show what the charges are actually for.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I sent by certified mail 4 disputes and an email to it's CEO XXXX XXXX requesting Equifax to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

When I went to use my card, it was declined. I called the bank and they said it was because of a Fraud alert. I waited two or three days calling Time After Time not much satisfaction. They said they were closing the account and I would get a check in the mail 45 to 60 days on acceptable my money for that long
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, 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. (NY)

There is an excessive amount of inquiries that should not be on my report. And many of them are duplicate accounts in the same time frame. I did not authorize these inquires that are on my Transunion credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. In accordance with the written instructions of the consumer to whom it relates. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the inquiries be removed immediately.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by TransUnion LLC XXXX This has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I am in the midst of a personal crisis and unable to get past the application for the small loan. 

Since 2014 I have tried to get my credit report but it is impossible to accomplish this task. I reported to the Indiana Attorney General ( XXXX XXXX ) and have gotten nowhere. 

I have run out of options to resolve this issue. In the spite of the all the issues I am tired of all the screen messages, no such name, etc.
Consumer complaint received 2018-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

Sincerely, -- XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (PA)

XXXX Sirs, Experian recently changed those services included within their free membership. Like XXXX and XXXX XXXX their free membership had included the ability to lock and unlock the credit report. This is an extremely valuable feature given the many varied methods by which hackers attempt to access ( sometimes successfully as was the case with XXXX ) your financial identity. Experian now believes it appropriate that they should be paid by the consumer to protect the information they have collected about that consumer. In an attempt to protect my personal information given Experian 's new position I would simply not authorize Experian 's collection of such information instead of paying them to protect the data. I do not believe my potential future creditors need access all three reports with one or two being sufficient. I believe the XXXX  should either assure the consumer has the ability to lock their credit report or provide the consumer the ability to pick and chose which credit agency they authorize to collect their personal information. If all agencies were to take Experian 's position the cost to the consumer in an attempt to protect their information would amount to {$720.00} / annum ... .no small amount when extrapolated over your financial life. 
In summary the foolishness of the system is ... ..An organization collects valuable personal information about a consumer without authorization ... ..consolidates such information into a central location with limited protection from potential hackers ... ..then tells the consumer if they wish to try to protect such data they will need to be paid {$240.00} / annum. Some would view such a scheme extortion. 
Thank you I hope you come to view this foolishness similarly.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequoia Financial Services (IL)

I had a debt with XXXX XXXX due to an car accident which took place in XX/XX/XXXX. In XX/XX/XXXX, I was notified that my license was in the process of being suspended. I set up arrangements with Seqouia Financial in XXXX XXXX, CA. I initially paid {$200.00}, and agreed to pay {$100.00} a month until paid. In XX/XX/XXXX, I was laid off and began receiving unemployment in XX/XX/XXXX. I made the required payments until my unemployment exhausted in XX/XX/XXXX. My loan recently defaulted and I was told my license would be suspended on XX/XX/XXXX, during a routine traffic stop. I had not been receiving mail because during my layoff I had to move with my parents. On XX/XX/XXXX, I spoke to XXXX XXXX who stated he would reach out to his manager to see if my payments could be reinstated. The following day I spoke to XXXX XXXX, and I provided him with a {$100.00} payment. He then said he was 99 % sure he could get his manager to resubmit a promissory note notarized by Sequoia. I explained I wanted to do arrangements, and that I needed to avoid suspension in order to continue driving 2 hours each way to work. Otherwise, I am unable to get to work and will not have funds to pay. He agreed to speak with his manager. I waited two days with no response. I then spoke with his manager XXXX who totally violated the FDCPA. He barely listened said he would speak with his manager who never let me speak with, and told me if I kept explaining my situation he would just say no. He told me he wasnt the one who smashed into a parked door. He proceeded to tell me in a later conversation that he would only accept a {$700.00} settlement and would not work with me to keep my license. He placed me on hold without annoucement. He lied like XXXX XXXX makes the rules on how they handle default, but after speaking with XXXX XXXX they are saying its the collection procedure which govern how the debt is collected. I am being provided false and misleading information, while being belittled. As I stated to them, I called willing to pay but I am being treated with ruthless collections tactics. Also, I asked for contact for escalated complaints and was told the owner at the address ( he did not provide an actual name or address ), the parties dodged actually giving me concrete information to file a complaint with the company.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I received a solicitation to open a checking account and receive {$200.00} after 3 direct deposits totaling {$500.00} a month were made. I opened it on XX/XX/XXXX and the deposits of social security benefits were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I called Wells Fargo customer service and was told they had no information regarding a {$200.00} bonus offer. I then went to their branch in XXXX XXXX CA with proof of the offer ( attached ). They spent one hour of my time scrutinizing the offer and expressed disbelief that it was genuine. It was very humiliating. I left without any confidence they would ever provide the bonus.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AL)

This is regarding Wells Fargo. Was trying to receive a loan modification. In XX/XX/XXXX. Wells Fargo is saying I was late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have documents showing my payments in all four months in the amount of {$800.00}. Wells Fargo did not tell me the loan modification would count as late payments on my credit report. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made double payments in the amount of {$2100.00} to get caught up. Wells Fargo has recently been convicted of unfair lending practices.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (VA)

XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX  will not even allow me to dispute any incorrect information through there website or bring up credit report.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I paid the entire balance on the account on XX/XX/XXXX. Even though the late charge was levied the day before, the credit card company is telling me that it is not included in the entire balance due. ( Huh? I call to pay the entire balance but there is a late fee that is there but it isn't? ) As a result I am thinking that the entire balance is paid and no purchases have been made on the account. So, I don't make a payment in XX/XX/XXXX. However, the charges then appear on the account. Now I have another late charge for XX/XX/XXXX. This credit card company is in the business of making money on late charges. It is trickery and unethical. I try to pay the entire balance but they wont even let me do that and then I get further penalty. Please help. See an excerpt below from my payment history on my account.

XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$25.00} XX/XX/XXXX FINANCE CHARGE {$2.00} XX/XX/XXXX PAYMENT-THANK YOU - {$140.00} XX/XX/XXXX LATE FEE {$32.00} XX/XX/XXXX FINANCE CHARGE {$2.00}
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

May credit card was closed on XX/XX/2017 by Wells Fargo. When I called to ask way my account was closed. I was told that i did not have a banking account with them. Which was not true I had three account 's with them. I had an joint account with my husband which was closed, because someone was writing fraudulent checks in his name. In which they were fully aware of and they still closed my account. I asked if i can open new savings account i was told no. This was not my fault I was never late all ways paid in full.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit report.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed a account on my credit report which is a XXXX card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a chase card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX