davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (FL)

on XX/XX/23 I spoke XXXX XXXX a sales consultant at Mercedes Benz of XXXX he sent me a picture of what looks to be a contract with what would be my numbers he specifically said pending credit approval, they ran my credit multiple times again with out me knowing exactly how many times just to tell me that unfortunately the bank 's did not give me an approval, their advertising states that everyone can get approve, I have been lied to and cheated on with their scams.
Consumer complaint received 2022-11-28
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-31
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. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-06-09
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. (AZ)

Experian and XXXX refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and Experian and XXXX refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX children and this is hindering me from providing for them efficiently. I cant get a home or a car.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC (AZ)

The property that the mortgage is on is a rental property. The address is on XXXX XXXX XXXX AZ XXXX. The loan amount of {$260000.00} originated in XX/XX/XXXX when we purchased the property. We set the mortgage on auto pay with XXXX. We made all scheduled payments on time. 
We where looking to acquire a loan for another property we wanted to purchase in XXXX. We went to our mortgage broker to get pre-approved. The broker did a soft pull on our credit and told us on XX/XX/XXXX according to the credit report that Rocket Mortgage had us reported late on XXXX payments. Knowing we have never applied for a loan with Rocket Mortgage, I instantly thought fraud and called Rocket Mortgage to report it. When I contacted Rocket Mortgage they explained to me that they had purchased our loan in XXXX. They claim to have sent us notice of this in the mail and sent it to the address of the rental. I explained to them that we do not reside there and never received the notice. Knowing that it was no longer a case of fraud, I provided a debt card number to bring all current payments up to date on that date of XX/XX/XXXX. 
I have spoken with several people with Rocket Mortgage about having the reporting of the late payments removed do to a miscommunication and they will not remove them saying the report is accurate. This request was escalated and still they would not remove it. 
Before this incident our credit is perfect. No incidents at all. We make every payment on time. 
Do to this miscommunication, we request that all XXXX late payments be removed from our credit. Had we been notified properly, this would not have occurred.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

We were signed up for a credit card by Wyndham. This was the Barclays card. Barclays has sent consistent statements showing that Wyndham was adding balances to this card without our knowledge or consent. We disputed this but Barclays seems to be in league with Wyndham and they have not returned the charges to Wyndham, they just keep us on the hook for the payments.

I didn't want, need, or ask for this card but Wyndham opened it anyway and now the charges on this have gotten way out of hand.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2023-09-15
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. (OK)

Fraudulent and didnt give the okay to do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$260.00XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: Mercedes Benz Financial Services (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CARD Corporation (TX)

I received a CARD.com XXXX card in the mail on XX/XX/2024. I did not request the card nor do I intend to activate or use the card/account. Isn't this against the rules and could subject me to potential fraud? 

The card is issued by XXXX XXXX XXXX XXXX 

I attempted to contact card.com via online and via phone. They requested my XXXX # to before I could go any further. I would not provide that in an unsolicited mailing. 

I am holding the materials until I hear response.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (ME)

In accordance with the fair credit reporting Act, this creditor has violated my right under USC1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6 o 4A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-24
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. (NY)

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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

My wells fargo cashwise credit for used during identiy theft to make two purchases. I called wells fargo to file fraud dispute they only took down one item, reissued me new credit card while transfered the balance from the 1 fraud charge to my new card. I called in again wells fargo this time took care of it. However now i found out my credit report is showing deratogry reporting because wells fargo charged off the card that had fraudulent charges and left the balance on there.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp. (MI)

My vehicle was totaled by insurance company XXXX XX/XX/2023 insurance covered a portion, XXXX my gap coverage covered a portionXXXX i have a XXXX warranty that initiated to be canceled XX/XX/2023 First Investors ( my finance company ) initiated the cancellation they advised it takes 4 weeks to complete I have called and made several attempts to resolve my concerns i was told that i would receive requested document and that the amount I owe would be negotiated once the warranty funds were placed towered the remaining balance I can not move forward and return to normal living until I'm able to close out loan the balance owed to First Investors IS XXXX I have spoken with several reps with no end solution.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (MO)

STILL LYING ABOUT THE ISSUE INSTEAD OF STILL WORKING ON THE ISSUE is real truth AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OH)

Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. 

I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX  XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. 

I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WI)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

This is my refiling complaint to DISCOVER BANK for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (VA)

Every month my wife and I receive phone calls and emails saying our split payments can not be reconciled and therefore not compliant to their system. We pay on the XXXX or XXXX of every month. 
XXXX we pay auto pay from our respective checking accounts. 
XXXX. We fear that Mr. Cooper is reporting information to credit bureaus that inaccurately state our payment history. 
XXXX. When trying to communicate with Mr. Cooper it is impossible to connect with a human person for under 30 minutes due to an intentionally complicated audex system, which discourages any conversation. 
XXXX. There are no communication options or alternative solutions on the website. 
XXXX. When they choose to communicate, they identify the company as a collection agency, not a mortgage lender. 
XXXX. The company had a total security breach in XXXX of all clients, constituting the largest outflow of financial information to date by any company, including credit bureaus. 
XXXX. Why hasn't Mr. Cooper been ordered to cease and desist their collection process or ordered to change their communication system and payment systems? The option of giving them direct bank information is definitely out of the question based on their recent security breach. We could have lost hundreds of thousands of dollars if we had given them that information. 
XXXX. Had I known about the reputation of Mr Cooper, I would have never consented for them to hold my mortgage, regardless of lending rate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (LA)

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 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOUTHSTATE CORPORATION (GA)

received a phone call from a bank associate ( XXXX XXXX ) who was exceptionally rude, ugly, combative and nasty! She claimed my loan has matured and that I owed XXXX more payments. She called my loan past due and that I was being reported to the credit agencies as being 60 days late. I NEVER HAVE HEARD ANY OF THIS PRIOR TO THIS PHONE CALL. She claimed that I filed for hardship and she would email me the document right away. I've never applied for or signed for this. I had it out with the bank twice already for reporting me late during covid. I was just now getting that 12 months behind me and hoping for my score to improve. I was, in fact, never late. My payment sat in a drop box for months when no one was picking up mail from the branch. Once these people report you... you have NO recourse. I'm sick and tired of these people. I never got the emailed document. I can not get an answer from the number where I spoke with the rude lady. I left messages ( voice and email ) and even submitted a complaint to the bank. I get NO response. No call back, no email reply. They also lost my Title for the car being held as collateral. I PAID THE LOAN OFF. I have NO Title, noone to take my calls and NO documents showing that my loan matured!! These people are criminals!