davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (CA)

I'm writing this complain in hopes of a resolution. 

In late XXXX I was nearing the end of my lease on a XXXX XXXX XXXX vehicle. 

I went to the dealer ( for service ) and was asked to lease a new XXXX Mercedes XXXX. 

Since at the time my lease was not yet mature, I was concerned with the lease disposition fee ( {$590.00} ). The Mercedes Dealer ( Mercedes XXXX XXXX ) stated that it was acceptable to get into a new vehicle lease early and that the disposition fee would be waived. They gave me, as part of the contract, in writing, a statement that the XXXX GLE lease disposition fee would be waived. 

The {$590.00} disposition fee was NOT waived and was deducted out of my {$4800.00} security deposit for the XXXX vehicle. In fact it took nearly XXXX  months to return my security deposit - a process that took only days with XXXX or other OEMs. 

I have attempted to collect this fee for no less than XXXX hours on the phone speaking with more than XXXX different agents, all with promises of a " call back '' to no avail. 

As of today my XXXX time calling I was informed that a supervisor ( XXXX XXXX XXXX ) is " aware of the issue '' and will " call me back '' but no one has called me back or attempted to resolve this issue. 

At this point I am asking for the CFPB 's help in resolving this matter. It seems extremely dishonest that a financial services company, one that collects and keeps more than $ XXXX deposits from consumers simply has no desire or ability to service its customers and charges fees wantonly and contrary to the lease/purchase contract.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my recent credit report, an inquiry was made by XXXX XXXX XXXX XX/XX/2023, which I did not authorize. This action is in violation of my consumer rights under the Metro 2 compliance standards, specifically the Fair Credit Reporting Act ( FCRA ), which requires that any inquiry into my credit report must be authorized by me. 

I request that TransUnion investigate this inquiry to verify its validity. Here are the details of the disputed inquiry : Name of Inquiring Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, I have the right to have unauthorized and inaccurate inquiries removed from my credit report. This unauthorized inquiry is affecting my credit score negatively and could potentially impact my ability to obtain credit. I believe that this inquiry is in violation of my rights as it was made without my permission. 
Please remove this unauthorized inquiry from my credit report and send me an updated copy of my credit report post-investigation to confirm that this correction has been made. Additionally, I would like an explanation from XXXX XXXX regarding the basis of this inquiry.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of the America, which is the Bank I use for banking for over 10 years, for some reason it is showing that they ran my credit report in XXXX i tried to ask them why was that in my credit report and they refuse to give me a reason why they ran my credit. Since they refuse to let me know what happened there, I just believe this was illegal since I gave no permission, so I want to dispute this from my credit report. 
BK OF AMER Address XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Showing open accounts on credit file after unauthorized use of information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 — Was not notified of investigation status or results
Company: Greenberg & Sada PC (CO)

On XX/XX/22 I paid off my collection debt with XXXX XXXX and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from XXXX XXXX. I am requesting that XXXX XXXX takes that off all XXXX credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

XXXX XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (FL)

On XX/XX/2022 I tried to open multiple checking accounts I got denied on all of them because of reports coming from early warning services about identity theft. I would for early warning services to stop those reports immediately because its preventing me from getting an FDIC approved checking account.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC (CA)

Over the past 5+ months I have received no personal phone calls from Apple Recovery LLC , although I have received calls and messages from multiple relatives such as m y mother, sister, grandmother, and brother-in-law all stating this company is continually calling and harassing them for information about myself.
Consumer complaint received 2022-11-28
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. (CA)

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the item was never mine, they never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America approved an XXXX credit card in XX/XX/XXXX and an XXXX XXXX card in XXXX of XXXX. Both of these cards were in my maiden name, a name that is no longer legal. I received notification from Bank of America that my claim for the first card was resolved on XX/XX/XXXX but they are refusing to resolve the second claim, saying the " information is correct '' even though XXXX disputed the claim on my behalf. Bank of America said both accounts were closed but my XXXX report stilled showed XXXX as open. This card ends in XXXX. I don't have the other numbers because I was instructed to destroy it. 

All credit monitoring agencies have been contacted and my credit has been frozen. 

I also received a letter from the Department of Labor from the state of Maryland about a fraudulent unemployment claim on XX/XX/XXXX. I immediately emailed the agency and indicated that this was not valid claim.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion offers credit reporting, and asks for personal information including credit card information. It states in several places that this information is used for their reporting, and there is absolutely no mention of a dollar amount or charge. They then charge anybody who enters this information {$25.00}.
Consumer complaint received 2024-03-26
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION (MS)

On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account nameXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 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 2022-11-29
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. (NJ)

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

Account Name : XXXX XXXX, Account Number : 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 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 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/22 I contacted Bank of America to dispute a charge. I received an incorrect order from the merchant. I contacted the merchant to let them know they sent me the wrong order along with photos. The merchant said that they would " look into it and get back to me as soon as possible. '' But they never did. After one week, I emailed the merchant to get a status update on their resolution but they didn't respond to my email. for 4 days. So I decided to call the bank to dispute the charge.

The bank of America representative denied my request to dispute the charge until I " send back incorrect merchandise ''. I told the representative that 1 ) I haven't been asked to send back the incorrect merchandise because no one is responding to my emails 2 ) I am not paying to send something I didn't order and 3 ) I still have the right to dispute the charge because I DID not receive my order. The Bank of America representative continued to deny my request and told me to call the merchant instead of emailing them to try and resolve the issue.

I then I asked to speak to a supervisor. The Bank representative got upset as evidenced by her attitude and loud sighs. she then put the phone on a silent hold for 27 minutes. I hung up the phone and called the bank back for a second time.

The bank of America representative documented what happened in the previous call and transferred me to their supervisor. I was on hold listening to music for about 4-5 minutes, and then the line picked up. I thought someone was going to say hello but then it hung up immediately. 

Bank of America is not allowing me to speak to a supervisor and the representatives are not taking the correct actions to address this issue.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in Transunion & XXXX in XXXX ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.