davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (NV)

After months of educating myself on finance, my rights as a consumer, I finally got the courage to go doXXXX XXXX XXXX XXXX XXXX XXXX because they had a Certified pre owned XXXX XXXX XXXX that I liked, i test drove the car, I told them they could go ahead and pull my credit report XXXX time, and after I told them that Dow payment was optional not required the sales man went to speak to his finance manager and told me that I was denied, even though I know thats illegal because I applied in good faith, and I have income to back up the loan, and I had planned on filing a XXXX with the indenture trustee of Mercedes Benz but they looked at me like I was crazy, and didnt want anything to do with me. I asked for the senior finance managers number and email, I ended up sending them a letter requesting for them to clarify what made them deny me and still I have not heard back from them. Not by mail, email or phone. 
These companies are committing fraud, and making it so challenging, when Im the one co signing for them to get the funds to pay for the vehicle.

18 USC 8- the U.S. is responsible for all debts. 
HJR 192 16 CFR 444.1 - Car dealers will call the bank and tell them that customer is co-signing for the promissory note that matures in XXXX that is worth $ $ $ Cosigner. A natural person who renders fr himself or herself liable for the obligation of another person without compensation. The term shall include any person whose signature is requested as a condition to granting credit to another person, or as a condition for forbearance on collection of another person 's obligation that is in default. The term shall not include a spouse whose signature is required on a credit obligation to perfect a security interest pursuant to State law. A person who does not receive goods, services, or money in return for a credit obligation does not receive compensation within the meaning of this definition. A person is a cosigner within the meaning of this definition whether or not he or she is designated as such on a credit obligation.
Consumer complaint received 2024-04-26
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. (IL)

As of early XXXX, I noticed on my credit report with XXXX Credit bureau, multiple Hard inquiries for auto loans that I did not give authorization nor permissible purpose. I wrote a letter as well as sent a copy front and back of my drivers License as well as Social security card to XXXX Credit Bureau certified mail starting as early as XX/XX/XXXX. During this investigation I was told my SS # was not eligible. After sending in new copies I was told. That I needed a FTC or Police report. I followed up with all new docs. Cover letter, New copies of ID as well with FTC report. This now by XX/XX/24. After following up on the investigation. I was told my FTC report was not accurate and needs to be revised but was not explained how to their standards. ( I have attached all Revised FTC reports sent to XXXX fraud department. ) Once revised, I was told that my SS # was not eligible. Each time I call to follow up I am told something different from each representative as well as manager. After explaining my frustration with constantly being told something different why the hard inquiries not being removed due to being told something different by each rep to follow the appropriate. 
Instruction on what they need due to mailing docs constantly costing me to mail docs certified mail each time. I was advised to join XXXX membership and upload docs and the process will move smoother and faster to remove the hard injuries. I joined XXXX membership {$19.00} a month. To be told by managers thats not accurate and all docs has to be mailed. 
When it comes to hard injuries all docs have to be mailed. I explained after speaking with several managers that I am being advised different information each time I call and all I get is sorry sir. I have updated my FTC report four times now and has sent certified mail at least four times in the past two months and no results with removing the hard inquires. Not only did I send the same repots to Equifax but to XXXX XXXX and XXXX and the hard inquiries requested to be removed has by the other following bureaus. I am constantly getting the run around with Equifax and getting different instruction each time I call to resolve this issue. I have attached all supporting docs with ID copies sent, FTC reports, as well as SS # with XXXX receipts of proof mailing the required documents with cover letter. I have even been questioned how and what site I filed my FTC report which is Identitytheft.gov to be told its still not valid. This agency has not worked with me at all as the consumer regarding the Inquires I did not Authorize after providing the appropriate documentation. All docs and receipts has been uploaded as well.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX 2023 try to make a purchase. my bank card was declined.there was {$4100.00} stolen out of my account. I call the bank that morning and spoke to a customer services XXXX was XXXX unauthorized charges mad in XXXX day. wells fargo refuse to return my money to my account. I have all the evidence in the world that someone got in my online banking account.the perpetrators changed my XXXX mail, my address my phone number. in my online account.they also put my debit card on their Iphone. which owned a iphon..here is my contact information please contact for more information. XXXX.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TX)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (MI)

I sold a home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XX/XX/2023. See attached. The title sent the payoff to the bank XXXX  and it was rejected. See Attached. They have been paid off and have been harrassing the living daylights out of me. I have emailed and spoken to countless people at Newrez and they refuse to ackowledge ANYTHING. 
I am wits end. This is total bullying and harrasement!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (DC)

In XX/XX/2023, this company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, this company has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( Experian/XXXX ) has 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.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I sent two responses and instead of responding back with a letter to settle the debt Portfolio Recovery Associates took legal action against me. This was as if I did not respond and cooperate when I in fact did. Which violated the Fair Debt Collection Practices Act. This is illegal debt collection tactics. They filed a lawsuit with no intent to settle the debt with me after not one response but two. This company should not ignore the CFPB, s rules just because they are a dominant market. Especially when these responses were not a refusal to pay which is stated this was to settle the debt without a court cost but they felt they did not need to respond to me with a settled price after deductions of proof of my receipts to the original debtor. They feel they can charge me the full amount and disregard my previous payments made before they decided to get involved and pick up the debt. Also portfolio recovery associates stated they would provide the request of proof of documentation to settle the debt which they infact did not and instead took legal action against me. Also i even sent in a certified letter and they still felt no need to respond back to me. 

XXXX XXXX XXXX thinks they can collect debt from people without reasoning before taking legal action. Even if you reply with a response to there debt collecting tactics.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, my credit card company alerted me that my autopay had failed due to my savings account being frozen. This was the first time I was made aware that there was a hold on my XXXX online savings account that I have had since XXXX. 

A phone call to the customer service line was a circus show. After being transferred to the fraud department, I was informed that a transaction on XX/XX/XXXX, a transfer to my external XXXX account, was what caused the hold. The agents over the phone can not tell me the reason for the hold, just that they need to make sure the transaction does not violate the accounts service terms and verify the account with XXXX on a three-way call. After more than XXXX minutes on the phone, the three-way call ended up not happening. Turns out XXXX has a policy to not participate in three-way calls if they did not initiate them, XXXX themselves actually have the exact policy. My only option was to mail in statements of my XXXX account since they do not accept fax, which I did on that same day. 

Now after almost 3 weeks after the transaction XXXX deemed questionable, I have not received any official communication from XXXX, by mail, email, or phone call, that there was a hold on my account and I need to provide them with documents. My balance of {$8100.00} is frozen and inaccessible to me. I mailed them the documents they requested a week ago and, again, there has been no communication from XXXX. Calls to customer service have yielded no results or resolution.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I received a text and email stating that I had created an account with Chime. I never authorized this so I called and they asked for my name, email, current address and last XXXX of social. The addresses didnt match so I gave him my XXXX prior addresses and it matched my XXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was told that this was the address used. Its weird because my email and phone number were used and I believe Chime themselves opened this account without my consent
Consumer complaint received 2024-01-04
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: Westlake Services, LLC (DC)

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (FL)

The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been XXXX years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Deposited a check on the XXXX of XXXX. The same person paid me the exact same way the month before and I had to go through XXXX with chase for them to finally clear the check. The same thing is happening again. I'm now late on rent and being negatively impacted and can't get a reason why I'm going through the same thing again. Chase is breaking the law and they don't care. I've asked numerous times the law stating why they are doing what they are doing and there response is because they can. It's crazy that a financial institution can break laws and do as they please with no reason or logic.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (PA)

Re : Error [ s ] on consumer checking account screening report.

I am writing to request a correction of the following information that appears on my consumer report : I was a victim of misconduct and fraud by XXXX XXXX XXXX and reported a fraud alert on my credit report and to the FTC The transaction reported in error by XXXX XXXX The report shows I owed money to the bank that I have already repaid and covered in the transaction report show that Abuse account, never abuse it XXXX XXXX did it, it's their fault XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dispute Case ID : XXXX Bank Name : XXXX XXXX Reference # : XXXX XXXX XXXX case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation
Consumer complaint received 2024-04-16
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. (PA)

There are unauthorized hard inquiries across all three credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax XXXX XXXX ). XXXX XXXX XXXX were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. Equifax asked that i submit an identity theft report ( attached ) before looking into my inquiries.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MN)

I had a US bank world perks visa for many years. I had over XXXX miles saved up. On XX/XX/XXXX, US bank closed my account without notice. I lost all my rewards. They said they closed the account due to poor media coverage. This was poor media on my husband. 
I called US bank twice and also went into a local bank branch. They could do nothing to help my situation. 
US Bank has stolen from me by taking all my miles. I do not care about the card. I am able to get another credit card. I have good credit and no defaults.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am urgently reaching out as a mother of a family of XXXX, deeply concerned and demanding immediate action. The issue at hand involves a company reporting fraudulent and inaccurate information on my credit report, a situation that gravely impacts my ability to acquire a much-needed vehicle for my family.

This company 's actions are in violation of both the Uniform Commercial Code ( UCC ) and the United States Code ( USC ). Specifically, under UCC Article 9, which governs secured transactions, any party claiming a security interest in an account must provide concrete proof of their legal claim their failure to provide the Purchase Agreement as evidence of their claim to the account is a breach of the transparency required in such dealings.

Furthermore, under USC Title 15, Section 1681s-2, responsibilities of furnishers of information to credit reporting agencies are clearly outlined, and their actions contravene these regulations.

Additionally, their refusal to provide pertinent documents for review is a direct infringement of my rights under USC Title 15, Section 1681a, which details permissible purposes of consumer reports. This unauthorized use of my identity without my consent is adversely impacting my credit rating, creating a significant barrier to my financial stability and progress. 

Given these violations, I insist that the CFPB, in alignment with its mandate under USC Title 12, Section 5511, which involves regulating the provision of consumer financial products or services, takes swift and thorough action. The ongoing reporting of this unverified and potentially false information must be stopped immediately to prevent further damage to my credit rating and the overall financial well-being of my family. 

I expect your prompt and decisive intervention in this critical matter. 

Thank you,