davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

Us auto sales closed down and sold my contract to Westlake portfolio management without me knowing or my consent. I didn't find out until I received a bill from Westlake portfolio management around the middle of XXXX XXXX by this time my account was behind, and I was making my payments to us auto sales. I made my last payment in XXXX of XXXX to us auto sales. when it was time to make another payment, I had no clue that us auto sales had closed and sold my contract to Westlake portfolio. its more but I will explain more when contacted. basically, as a result of this my car was repossessed and now, I am about to lose my job because I don't have transportation to work and really my account shouldn't have been in repo status.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (AZ)

Dispute 1 : The charge-off of an obligation with Keybank is incorrect of {$27.00} is incorrect, this is paid off and its still appearing as an amount with the charge off acorrding 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports.15 USC 1692 g validation of debts. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately Dispute 2 : The charge-off of an obligation with is incorrect with XXXX XXXX XXXXXXXX XXXX {$280.00}. 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. USC 1692 g validation of debts. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-16
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. (FL)

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 USC1681. 

Account Name : 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 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 XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-09-08
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. (MI)

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 2023-09-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/23 I requested to open a savings account, I provided the branch my social security card, commercial learners permit, commercial drivers license, and standard drivers license numerous times. Furthermore they asked if I can provide additional proof of address. utility, or lease agreement, or auto insurance statement. I told the customer service agent I do not have a car, nor do I own a home, the agent then requested that I get my grandmother, the homeowner to submit her license and her utility bill on my behalf. I told the agent I refuse to submit documentation that is not my own. She transfer me to her manager, then stated penfed has been dealing with a lot of fraud and losses from bills frauds so they need to verify my address to the best of their abilities. I told the agent I will provide any documentation in my possession, but regardless of how Her much fraud penfed has been dealing with the remedy to their fraud situation is never to discriminate against innocent bystanders like myself were not homeowners or car owners, and can not provide a utility bill or insurance letter. In addition to the documents, I provided I also included my XXXX XXXX bank statement and my XXXX bill both of which are in my name, and addressed to the same address on my licenses. In addition, my commercial drivers license, which they are now in possession of is was considered a real ID, a new form of identification to travel domestically or enter government buildings yet penfed continues to give me the runaround. And I was asked to submit a copy of my grandmothers utility bill with her drivers license attached I refused if this is not remedied correctly Im going to seek legal actions against penfed for their discrimination against me.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (MO)

Dear CREDIT COLL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

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

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

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

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

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

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

Done in good faith.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

I made a complaint 2 days ago about harassing calls from Mr Cooper. I was assured the calls would stop, but I received another one at XXXX. last night. The calls, that I've been receiving for months, even though my accounts are in good standing, always demand I contact them as soon as possible, but Mr cooper intentionally makes it impossible to do that. Their chat service and phone service almost always tell me no one is available. The chat service has offered to send me a link to chat later but I have never received one. At this point, I've tried to contact them every day for over a week at this point and I've only reached a person once. 

Mr Cooper 's only suggestions are to continue to try the phone and chat systems that clearly don't work or email their customer relations email. I tried the email and all I received was the same suggestions about the chat and phone. 

They are intentionally giving me the run around and it is resulting in me receiving harassing calls every day. Again, this is for no reason, as my accounts are in good standing.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

Im a victim of fraud someone Text me from chime support stating someone tried to make a purchase for {$280.00}. Ask if i authorized this and I responded No. They called me my account information last four didgitis of my Deb it card and my last four digits of my social are correct and I said yes. Then the man told me to open the chime app and to verify the cold he sent me through the app I verified the code, soon as I verified the code got off the app they told me they were going to send me new cards within 5-7 business days. When I checked my account they stole {$3700.00} out of my account sent the money to an email address that was made with my name and the amounts they took out of my account and hey sent money to a person I have no knowledge of. I called Chime told them what had happened and they denied my claim. I
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-14
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. (SC)

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. 
Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX The accounts above have violated my rights. 

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 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

This is the second complaint made via this website. The first being on XX/XX/2023 after the vehicle was repossessed. Upon going to my parking spot I realized that my vehicle was not there. After several inquiries to the apartment complex where I live, I came to the realization that Credit Acceptance must have had my vehicle repossessed. Upon speaking to a customer representative and a supervisor, they informed me that there was a problem with my automatic payments, and they had not received payments on our agreed payment arrangement for the months of XXXX and XXXX. I informed them that I was not aware of this problem and inquired why they did not send me any notices regarding the default payments via mail as has been the case in the past. The supervisor at the time stated that she was not aware of why that was, but if I wanted my vehicle returned I would have to pay a certain amount of money, or the vehicle would be auctioned. After the first complaint, Credit Acceptance stated that they sent out a notice. They further claimed that the person investigating the complaint was unable to reach me. However, the notices that were sent out were done on the actual date of repossession, XX/XX/2023 and addressed to my former residence. The second notice was sent to my current address on XX/XX/2023 discussing the investigation set forth by Credit Acceptance after I filed the complaint. There was no correspondence presented by the company to demonstrate that they attempted to send me any communication via mail or email regarding default payments or due process of repossession of the vehicle. They failed to mention that I did return the phone call by the person investigating the complaint, and that she stated that she would investigate the matter, and there was no more communication with my person. Considering that Credit Acceptance had not tried to communicate as all businesses/organizations do regarding a missed payment, it is my belief that Credit Acceptance utilized two months of missed payments to justify and make a profit not only on the remaining balance, but also on fees that would be accrued after the vehicle is auctioned. A tactic that I find to be very disingenuous as they promote their company as one of helping those acquire a vehicle when they can not get approved by other loan companies. For a company that prides themselves in helping people get into a vehicle, their lack to communicate caused an unnecessary financial burden. I had to cancel my auto insurance that will most likely increase my rate when I return to the company and get insured again when I get a vehicle. As a result of not having a vehicle, I had to find other means of getting to my destination that caused a financial burden as well.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AR)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( LexisNexis, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX  website, they do not give, sell, or transfer any personal information to ANY third parties.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (GA)

Please also send complaint to Mercedes-Benz XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX. 

I visited Mercedes-Benz XXXX XXXX location to make a Consumer Credit Transaction to extend my credit to them according to 15 U.S.C. 1605 Determination of Finance Charge. I asked were they in Truth in Lending Isa said yes, I then asked is there a finance charge he said yes. After completing the application, I was denied credit and I understand the factor but it's not a deciding factor. They gave me false and misleading information because they can't deny me an extension of my own credit according to 15 U.S.C. 1605. I spoke with the GM XXXX XXXX who was not familiar with the law with courtesy I explained it to him. He got upset because he did not want to agree with Mercedes-Benz Financial Services USA LLC who does the funding when they stated over the phone when I called them because XXXX told me the dealership doesn't approve or deny applications and according to MBFS USA LLC they stated they did. I have everything recorded of them of MBFS LLC stating they are to honor the law under Truth in Lending Act ( TILA ) and that I was correct GM XXXX stated MBFS USA LLC was lying, and they didn't know what they were talking about. I asked who is telling the truth MBFS USA LLC explained the entire process with GM XXXX listening, and he still denied following the law after being told to by the finance department. After the call I asked to speak with the finance manager XXXX XXXX later found out who he was after XXXX told me XXXX who sits next to XXXX XXXX that he was the director of finance in charge and gave me push back as well. When I proceeded to talk to XXXX, he was very un-professional and NOT a good representation of Mercedes Benz at all stating he didn't care if I filed a complaint as he stated. I then turned to XXXX XXXX and stated that he knew what I was referring to when I was talking with XXXX XXXX who stated they honored the law under TILA which is why XXXX XXXX made XXXX go and asked me to sit in the lobby XXXX stated he didn't care and that he wasn't selling me a car and to go. This experience has forever put a dent in Mercedes Benz reputation for me. My family is an honest loooooooooong time buyer of Mercedes, and this was not anything I have ever experienced in car buying. I remained humbled wasn't disrespectful even after the unfair treatment review your cameras. I have everything recorded and I told XXXX that he did not care. Some way to bring in a gift for your Birthday. 

In Conclusion, I'm submitting this complaint for a more comprehensive review. According to the Law I would like the credit decision to be reconsidered/honored and my credit be extended to your company for a more unbiased transaction.