davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services (NJ)

I am writing this letter to express my concern about the unfair and deceptive practices of Mercedes-Benz Financial Services . As a dedicated patron of Mercedes-Benz since XXXX I have always been impressed with the company 's commitment to excellence. However, my recent interactions with Mercedes-Benz Financial Services have been anything but excellent. 

In particular, I am troubled by the following : Misreporting of trade-in credit : When I purchased my current Mercedes-Benz, I was assured that I would receive due credit for my trade-in vehicle. However, this credit has not been accurately reflected in my financial records. This has resulted in an undue financial burden and an inaccurate representation of my financial standing. 
Undisclosed cash down payment : I also made a cash down payment of {$5000.00} at the time of purchase. This substantial contribution was made in good faith, with the expectation that it would be properly acknowledged and reflected in my financial arrangements. However, the absence of this acknowledgment has further contributed to the existing confusion and imbalance in my financial records. 
Credit score impact without justification : Despite having a commendable credit score, I have been unjustly penalized with a negative credit score impact. This adverse consequence has transpired before the payment due date, a violation of ethical practices and a detriment to my overall financial stability. 
These actions on the part of Mercedes-Benz Financial Services are not only unfair and deceptive, but they also violate several consumer protection laws, including : The Consumer Financial Protection Act ( CFPA ) : The CFPA guarantees consumers the right to accurate and clear information regarding their financial agreements. Mercedes-Benz Financial Services has failed to provide me with this information, which has caused me financial harm. 
The Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that creditors report accurate information to credit bureaus. Mercedes-Benz Financial Services has failed to do this, which has resulted in a negative impact on my credit score. 
The Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits creditors from discriminating against borrowers on the basis of race, color, national origin, sex, marital status, age, or because they receive income from a public assistance program. Mercedes-Benz Financial Services has discriminated against me by failing to provide me with the same level of service as other borrowers. 
I am requesting that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to hold Mercedes-Benz Financial Services accountable for its unfair and deceptive practices. I also request that the Bureau take steps to ensure that Mercedes-Benz Financial Services complies with all applicable consumer protection laws in the future. 

Thank you for your time and consideration.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/2022
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

In review of my XXXX credit report on XX/XX/XXXX, I noticed a XXXX ( XXXX ) collections accounts from a company by the name of Credit Collection Services. I had never heard of them before nor received any writtenc communication from them. On XX/XX/XXXX I contacted this company via XXXX Mail to " Validate '' this debt. I received the green certified card that revealed that the company received my letter. 

On XX/XX/XXXX, I noticed that XXXX of the XXXX ( XXXX ) accounts that I had disputed was removed and I had not received an official response from them. I drafted another letter to them on XX/XX/XXXX informing them that they were in direct violation of the federal consumer law. I sent this letter to them via XXXX Mail as well. 

As to this date, I have still not received any response from them. Furthermore, they have violated the FDCPA Regulation F that became effective XX/XX/XXXX.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I logged onto TransUnion and saw my credit report with their agency but did not see the credit score. This was withheld demanding payment. I do not think it is ethical, moral or legal for TransUnion to withhold a credit score when they use it to report to any potential lender, landlord, or any other concern that would request it. The annual right to a credit report should include the credit score. If there isn't a lawsuit over this there should be one. These people are greedy ridiculous thieves.
Consumer complaint received 2022-12-06
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. (FL)

Kindly be sure with the accuracy and precision with this customer record accounts. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

XX/XX/ Experian Information Solutions INC . 
And all variants of said entity. 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my Experian, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX consumer Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report Remove any listed item applicable to EXPERIAN & ALL VARIANTS OF SAID ENTITY REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting inaccurately on my credit report as closed accounts but there is activity in the payment section after these accounts were allegedly closed. Please provide bank statements from these XXXX companies showing I was ever late or mark these accounts as paid as agreed Furthermore the FCRA states that there should be no activity showing in the payment section on a closed account after the account is closed. EXPERIAN has reported this account inaccurately after they claim it was verified as accurate. This is my last attempt to correct this error before I file for arbitration.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Delete hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victim of fraud check the ftc report.
Consumer complaint received 2023-06-05
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (WA)

There is an debt on my credit report that they say I owe I never opened a XXXX account in XXXX when it says it was opened, I never received any communication prior to disputing the debt that I owed a debt to them. There has been no communication at all including phone calls. I went through a divorce and this could be part of the debt if there is even any.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NM)

Chime stride Bank closed my checking and credit builder account because someone stole my temporary card info. They were supposed to give me a new temporary card because they sent a permanent card out and it took too long to come in the mail and I moved, but they never gave me a new temporary card and someone kept trying to use it and they closed my account, they said it was fraud on my end which it wasn't at all, and I lost XXXX credit points.
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (TX)

I have XXXX XXXX XXXX on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But XXXX XXXX XXXX didn't follow through with the same actions. I would like for XXXX XXXX XXXX to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case Experian has not been following the Law.
Consumer complaint received 2023-08-12
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. (TN)

On XXXX XXXX XXXX I mailed to Experian certified letters disputing information that I found to be inaccurate on my credit report. Experian sent me a couple of different emails on XX/XX/ informing me that my disputes had been open and the investigation was processing. Then on XXXX XXXX XXXX Experian sent a couple more emails informing me that those same disputes, long with the investigations had been completed. 

Experian stated that the account listed XXXX XXXX XXXX XXXX XXXX  had been verified as accurate as well as account listed XXXX XXXX XXXX XXXX had been verified as accurate as well. How can this be possible when the last date reported is inaccurate and the current payment status and also the open date is inaccurate. This is grounds for removal, and they also violate my rights under 15 USC 1681 Section 604A Section 2. 

That law states that the consumer reporting agency can not furnish a report without my written consent, and I have not given written consent to furnish these accounts on my credit.
Consumer complaint received 2023-08-12
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)

Someone has used my information to open fraudulent accounts. I have taken legal action against all parties. I have been advised to take the legal actions against two of the Credit Bureaus, XXXX XXXX Transunion, for reporting inaccurate and fraudulent information and accounts. The Account is XXXX XXXX, Account # XXXX, Balance is {$750.00}, & Date Opened is XXXX XXXX, XXXX. This account was opened fraudulently in my name. According to the creditor, the account was opened XX/XX/2018. I was incarcerated during that time. I would have been able to open this account and I did not give anyone permission to do so. I have provided documentation supporting this. I demand this account be removed immediately.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

A booked a flight through American Express for my family of XXXX. Unfortunately I had to cancel the trip. I used the chat bot feature to do so. The chat bot informed me that I would get a credit of {$420.00}. Apparently now American Express states its {$420.00} divided among the four tickets. The chat bot function did not relay that or make it clear in any way. I am in need of that full credit amount for an emergency use.
Consumer complaint received 2023-06-05
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, CXXXX XXXX XXXX XXXX XXXX  {$690.00}, XXXX XXXX XXXX XXXX XXXX  {$3600.00}
Consumer complaint received 2022-12-06
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. (FL)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance : {$220.00} ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-08-12
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. (FL)

My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....
Consumer complaint received 2023-03-17
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: SYNCHRONY FINANCIAL (CA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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. (SC)

This is my several 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 an alleged fraud or extortion. 
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