davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (NY)

XXXX XXXX, Mercedes-Benz Financial Services USA LLC XXXX MBFS ) & Mercedes Benz XXXX XXXX XXXX XXXX XXXX ) still can not find the evidence to specifically validate where XXXX XXXX XXXX and agreed to the terms of the promissory note ( Retail installment contract ) it clearly shows a Guarantor never signed and consented to any contract allowing the dealership or the assign MBFS the right to do a repossession ). its illegal to repo a vehicle or act out the actions of the terms and agreement without the signed consent of all parties involved. without these signatures MBFS actions from XXXX has been fraudulent and violated consumer rights. 

this case has been well documented as followed Mercedes-Benz Financial Services USA LLC ( MBFS ) is in receipt of case XXXX from the Consumer Financial Protection Bureau XXXX CFPB XXXX and certified correspondence via XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX also As previously corresponded on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, to cases XXXX, XXXX, and XXXX from the CFPB.
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NY)

Unbeknownst to me until XX/XX/XXXX, in XX/XX/XXXX a XXXX XXXX account was fraudulently opened in my name. This was the same month I moved. 
In XX/XX/XXXX I received a notice from XXXX collection agency. I also saw this debt on my credit report and filed a fraud alert. I called XXXX and spoke to XXXX, advising them this was fraud. XXXX advised I needed to contact XXXX directly. I called XXXX and spoke to XXXX who advised the account was closed on their end, that they would note this as fraud, but that XXXX could not assist any further since this account went to collections/Sequium. 
I followed up with XXXX periodically via phone and email for a status, last being XX/XX/XXXX, continually being advised there were no new updates. 
In XX/XX/XXXX I received a new collections notice from XXXX. On XX/XX/XXXX I sent them a detailed letter advising this is fraud and I asked for proof of debt I still have yet to receive. I received no response. I also filed a dispute with XXXX around that time which did not result in the debt being removed. 
I sent another letter on XX/XX/XXXX, XXXX requested to XXXX XXXX XXXX and regular mail to their po box listed on my credit report. I again advised that this is fraud and requested specific proof that I opened this account. To date I have not received a response. Instead, on XX/XX/XXXX, I received a new collection agency notice from Credit Control Collections for {$6000.00}. I responded to Credit Control on XX/XX/XXXX via email, with attachments, requesting specific copies of proof of debt and have received no response to date. 
XXXX is also non-responsive. To date, XXXX nor any XXXX of the XXXX collection agencies have provided me with the required proof that shows I opened this account and am responsible for this debt. All I have received to date were copies of unpaid bills from XXXX, sent to me in XX/XX/XXXX. 
I filed a second dispute with XXXX on XX/XX/XXXX and included the XX/XX/XXXX letter to XXXX with proof of receipt, advising they have been non-responsive. It was investigated and denied again today, XX/XX/XXXX. 
I am filing this complaint because I have exhausted all remedies. I need assistance, resolution, getting this fraudulent debt removed from my credit reports. 
Thank you.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NV)

Using a company called XXXX XXXX XXXX I had debts negotiated for settlement which both parties ( myself and debt collector ) had to agree to. Calvary had to agree to the terms of the settlement as well. They continue to be the only of all 6 settled debts to report inaccurately to the credit bureaus. Officially the agreed upon settlement amount has now been paid in full by me through XXXX XXXX XXXX but Calvary continues to report a balance owed to the credit bureaus. The entire time I have been in a settlement agreement with them they have reported a higher balance than the agreed upon amount - again, an amount that they had to accept and did accept. I just want this to be made right, Ive done my part. Paid the debt, it should no longer reflect as a collection on my credit report.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2023-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX, 2023 I certified mailed with return receipt, 3 disputes to 3 credit reporting agencies. I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies. 
I was never notified via mail or email that my disputes were seen or heard. 
This carelessness in reporting has ruined my credit score and reputation. 
one of the accounts they have in " collections '' is open and I am actively paying on!!!! 

Please help me uphold these companies to the standards they have set!! 
I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: M&T BANK CORPORATION (NY)

I was scammed out of {$1700.00}. Money was sent through XXXX and XXXX and M & T bank was not helpful or successful in returning me my money. On XX/XX/XXXX I tried to XXXX XXXX XXXX XXXX for {$200.00}. The shipping company seemed legit with its shipping information. After that I kept receiving a problem in shipping in which I was required to send money I was deceived into sending up to {$1500.00} in fees for something that I never received. I called M & t bank to notify them of the fraud/scam on XX/XX/XXXX and opened a case. On XX/XX/XXXX I sent screenshots of the conversation to prove that I was tricked into send money for something that wasnt real. I opened a dispute claim case with M & T and it was denied on XX/XX/XXXX. I was promised by M & T that I would get a provisional credit and they would investigate the scam/fraud dispute. I was helpful every step of the way with giving information and context of what happened. Under Regulation E I qualify to recieve a chargeback for funds that were taken from me from a scam or fraud. Even though M & T abides by the federal regulations and is a member of FDIC they were not helpful with providing me my money back.
Consumer complaint received 2024-06-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I would like to be considered for the XXXX program. The servicer scheduled a sale date on my property for XX/XX/year> while I was being considered for a loan modification during the moratorium. I sent an XXXX to the servicer. There is a new moratorium that should last till XX/XX/year>.
Consumer complaint received 2024-01-29
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. (OH)

XXXX Bank XXXX XXXX XXXX has falsely reported 3 late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single penny as there is o % credit usage on that account. upon asking they agreed that it's their mistake that they posted 3 wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/2024 only for the transunion credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask XXXX XXXX to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to XXXX XXXX  asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same po box again requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is XXXX XXXX  not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.
Consumer complaint received 2024-01-29
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. (NM)

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. I told the XXXX, Transunion, investigate these accounts : XXXX XXXX XXXX Account Number:XXXX, has never been provided to me and, XXXX XXXX XXXX  Account number : XXXX, full account number has never been provided me despite written request for both. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 an 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.

I Certified Mailed a request for VALIDATION to both creditors, which they completely ignored. I submitted a dispute with XXXX and TransUnion. No Validation has been provided to me.
Consumer complaint received 2024-01-29
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. (NY)

XXXX XXXX reporting charge off but won't send me XXXX for the charge off. This is tax fraud. I filed it as income. Income can not be stated on a consumer report.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account Number XXXX  According to my credit report, XXXX XXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive requested for my credit report to be frozen multiple times since 2016. Ive found inquiries I didnt authorize and items placed on my credit I had no knowledge of. Due to this, my credit score went from XXXX to XXXX. I can not afford a decent quality of life without good credit. Such circumstances have caused me to contemplate more permanent solutions to end this temporary yet devastating financial crisis.
Consumer complaint received 2023-10-11
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. (GA)

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 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 2024-01-29
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. (NJ)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX, XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified 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- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (NC)

Since XX/XX/2023 I've been trying to transfer {$20000.00} out of a XXXX savings account. The company cancels every transfer with no explanation. I've messaged on their app and emailed multiple times. This weekend, they locked my account entirely. I need my money!!
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-01-29
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.