davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (CA)

I am late on my payment due to unforeseen life circumstances and I called to defer my payment so I can get current again. They agreed but said there would be a XXXX XXXXXXXX interest fee to do so. Then he ( XXXX XXXX put me on hold and came back and said he got it reduced to {$400.00} and that it would stay open for a week or so then go away. He said this is based on my days late and that I should agree not to lock in the {$400.00} over the {$900.00} because if not it will go up. I asked if this was a fee or interest, he said a fee, but its interest. He made no sense and could not explain it in a way that did, and if the deferment would be in place or not. He said they agree to the deferment and it will stay open until I pay the fee. I told him it cant be a fee AND be interest so is the FEE being applied to interest and he could not answer. I asked for a supervisor that could explain this to me better because I was not understanding this. He then transfered me to XXXX XXXX and she could not explain it either. I requested something in writing that explains this and what I would be agreeing to and she put me on another long hold and came back with nothing and said she would transfer me to someone that could explain it. I said thats what the last guy was supposed to do, and asked if she was a supervisor, which is what I requested and she said she was not. So they basically wanted to just keep transferring me around to reps until I just accept this term that makes no sense or give up. I asked for a supervisor and she said she has to put in a request which I had her do and I have to wait for them to call me back. I asked her how long and she said a few hours to a few days, they were all busy helping other people. I have had MANY auto loans and I have NEVER had this kind of FEE/Interest charged when deferring payments. This seems very high pressure and a sketchy way for them to rip people off that are already falling on struggling times trying to keep up. Someone please let me know if this is legit. Because of this they said my 30 day credit will take a hit, they really have no sense of urgency to assist clients, I expected FAR better service from Mercedes Benz, let alone service that seems very sketchy combining Fees with interest, which I do not think you can LEGALLY do?
Consumer complaint received 2023-08-02
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID XXXX XXXX  I mailed a cease-and-desist letter to company notifying them that i was disputing the debt and requested that they have no further contact with me after they failed to produce proof of ownership of debt or proof that they were collecting a charged off debt from XXXX XXXX XXXX XXXX They have threatened to sue me in court about a time barred debt. They have never provided me with the 1099 that I asked for which XXXX would have filed taxes as this would be considered lost income for their company. I'm a XXXX XXXX XXXX with no income, I've been denied XXXX XXXX XXXX XXXX twice hence no income. Their reckless disregard for my health has caused me additional XXXX XXXX XXXX XXXX, I'm stressed about this matter. I was told when I spoke to XXXX representatives years ago when they had written off this account that I would have to file it on my taxes as a 1099 and that they would written off the account after COVID when we had a disagreement about the balance. I'm seeking your assistance in this matter, Please have this company harassing me because I owe them nothing.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/year>, Chase reversed a XXXX transaction labeled XXXX Dispute - XXXX, resulting in a {$270.00} debit from my account. This reversal was unauthorized and unfair, as I provided proof of delivery for the item sold to the user involved in the dispute.
Consumer complaint received 2023-06-10
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: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, XXXXXXXX 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
Consumer complaint received 2024-07-10
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. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-20
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: FactorTrust, Inc. (CA)

I am a XXXX  of debt bondage, a reprehensible form of XXXX XXXX that coerced me into accumulating debts under duress. As a result, my credit report bears several derogatory marks. With the assistance of a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ). This section mandates credit reporting agencies to promptly remove adverse information linked to XXXX  upon filing an official claim.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NJ)

I have relentlessly made conscious effort to resolve this matter respectfully, to no avail.Kikoff is an alleged credit repairing company that helps XXXX improve credit score.My experience has been in reverse, Kikoff 's erroneous reporting has affected my credit report drastically.I owe Kikoff financial services nothing, ABSOLUTELY NOTHING.I am being harassed monthly by delinquencies reported to my credit report XXXX points or more, I have been denied credit, I have been charged enormous interest rates, My credit score has plummeted, do to this company unfair and illegal enforcement of contract extortion .I recently received a email acknowledging that they are aware I closed this account in XXXXI would like this complaint made public to for warn the public about Kikoff unscrupulous pay to play scam .I want this harassment to stop, I want the false delinquencies removed from my credit report immediately.Kikoff claims it is FDIC insured, yet they're in use of the transmitting utility account number.Please help me rectify this matter, and restore the damages this company has caused me financially.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-07-10
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: EQUIFAX, INC. (GA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 


.
Consumer complaint received 2024-06-07
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. (TX)

XXXX  Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (SC)

Amerihome has an issue with its payment system. When I do an electronic funds transfer it's always reversed within a couple of days. This wasn't a problem with the first few months. I called the bank and they said there is no issue on the bank 's side. 

I sent a check as requested by Amrihome but it was sent back with a letter stating " 5 possible reasons '' why they won't accept the check. Now they want " certified funds '' which I can't do in one place because no one locally will do a money or cashier check for that amount. 

Because their system is not working properly, I must carry a lot of cash on me in public to get multiple cashier checks. This is dangerous and extremely inconvenient. 

On top of this, they have ruined my credit by reporting the payments as being late on top of demanding late fees. So now they have captured me as a client and can get away with ripping me off for a problem they are on their side to start with. 

You would think a main topic for a mortgage company to focus on is the payment system Since it's key to the success of any mortgage company.
Consumer complaint received 2024-07-20
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: FactorTrust, Inc. (CA)

I find myself a survivor of XXXX XXXX a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (KY)

Zwicker and Associates filed a lawsuit on behalf of XXXX XXXX back in XXXX. Zwicker than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. Zwicker deliberately sent court notices for a summary judgement hearing to an address they knew was no longer a good address for me. They were able to get a summary judgment because I was not at the hearing. The deliberately tried to " back door '' a summary judgment by unethically, and in violation of due process, giving notice to an address they knew was no longer a good address. The court issued a judgement after the hearing back in XXXX. Four years later I became aware of the judgment. Zwicker sat on the judgment, without my knowledge there was a judgment, for four years ; in hopes of someday being able to garnishes wages of accounts. Once I found out about the judgment I filed a motion to void that judgment for due process violations, etc. The court voided the judgement. However, the damages is done. Had I been aware of the judgment that Zwicker unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold Zwicker responsible for the abusive and unethical collections practices.
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (IL)

Hi yesterday I called because on my report on experian website, shows my credit score decreased, I went into some options in their site to investigate what happened. It shows a new inquiry was done yesterday. But I dont see it, they dont see it they claimed and dont know what happened. My account is frozen and has been since XX/XX/XXXX I think and locked since XX/XX/XXXX. Which means if someone or something comes through it should block the inquiry or alert me. That did not happen. And I have proof the inquiry happened, and decreased my score XXXX points and I want my points back and the additional inquiry removed, that was made during this timeframe. I have no permissions and I did not unlock my account during that timeframe. So I dont know how this happened or how it got unlocked for someone to do an inquiry. I AM ONLY DISPUTING THE INQUIRY THAT WAS MOST RECENTLY MADE, not any credit cards or accounts!!!! Just the INQUIRY!
Consumer complaint received 2024-06-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Hello, I wish to re-open this complaint ( XXXX ) as my issue was not resolved. Just because Comenity says they are in compliance with the law, does not make it true, especially when I have evidence to show otherwise. The late fees and interest charges I questioned on my account are NOT valid, because I have receipts to show payment was made on time! Please see receipt from XX/XX/year> - they are STILL trying to say I didn't make a payment when I have the receipt! 

Please do not take Comenitys word for it, CFPB. They are running a very sketchy practice, as shown by the number of complaints about them online. It's amazing that Comenity is still in business. 

Furthermore, the most recent late payments are because I have not felt comfortable making payments while Comenity has such a horrible track record of not logging my payments! Who would willingly just throw money away like that? I shouldn't feel scared that if I make a payment, there is even a chance it won't get recorded and my money will be lost. Even when I have a receipt! What kind of business is this? I said in my last complaint that I wanted this resolved ( even if it requires CFPB stepping in ) before I feel comfortable making payments. 

CFPB, you need to step in here please, even the store managers at Express do not recommend their own credit cards anymore because dealing with Comenity is a nightmare. You can not trust Comenity to handle this on their own. You are meant to protect consumers, please help rectify this as soon as possible. 

I want all late fees removed from my account as a gesture of goodwill ( never mind the fact that they werent legitimate fees to begin with ) for dealing with this mess. I have always made my payments on time and this just isnt fair. I would just like to continue paying down this card so I dont have to deal with this anymore. Thank you.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :