davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

CFPB + XXXX, In a recent check of my mail I see there is a collection account from XXXX saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
Consumer complaint received 2019-06-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mercedes Benz Financial Services (CA)

Mercedes-Benz Financial Services USA LLC, CFO XXXX XXXX issued notice and knowledge to the possession of stolen property belonging to a registered investment under the XXXX Investment Company Act, a felony. 

Death certificate evidencing truth to fact that Mercedes-Benz Financial Services USA LLC has conspired with XXXX XXXX XXXX of XXXX, California and XXXX AG in a criminal financial securities scheme for embezzlement, unlawful conversion and theft of Family Fund Assets belonging to XXXX XXXX. 

Bill of Lading sent XX/XX/XXXX to XXXX XXXX, VP and CFO for Demand and Release of Lien to Securities Annexed to Right to Payment Account No. XXXX Bill of Credit to Satisfy XXXX XXXX. Recorded : Treasury Form 8300 Registration No. XXXX, and Non-UCC Financing Statement Document No. XXXX. Bill of Credit Issuance of credit amount 248,832 US Currency for settlement and discharge of every installment or lease connected to right to payment account No. XXXX VIN XXXX. Remaining balance ought to be established as a credit-line from amount owed out of credit bill that ought to be applied for purchase, lease, services at every Mercedes-Benz authorized dealer. 

XXXX XXXX XXXX of XXXX failed to issue the required Security Agreement prior to execution in violation of California Civil Code 1803.2 and Federal laws for abuse of public funds not limited to transaction device fraud 18 USC 1029, 18USC 1091, 26 USC 7214 and illegal insider trading in violation of 1940 Investment Company Act for Upstreaming cargo manufactured by XXXX AG from XXXX XXXX XXXX of XXXX, where the required security agreement and consign agreement to obtain security interest is transferred illegally to Mercedes-Benz Financial Services USA LLC for theft of installments and upstreamed back to XXXX AG for securitization on the exchange.

This violation of section 17 ( a ) Investment Company Act 1940 subjects XXXX XXXX as CFO to immediate BAR and revocation of bond for illegal, unethical and immoral acts of an officer against a registered investment company in violation of sections 9 ( a ), 9 ( b )  with penalties of 10,000 per occurrence and or 5 years in prison. Without the MANDATORY security agreement executed by the Employees ' Securities Company all are party to embezzlement, laundering criminal financial enterprise to benefit foreign agents, economic espionage. 

Every agent responsible for protecting the Financial Institutions that the Congress has stated in the 1940 Investment Company act as being affected with a national interest are given notice of responsibilities to assist with civilian arrest of the bonds belonging to XXXX XXXX and arrest of the charter of Mercedes-Benez Financial Services USA LLC for public offenses pursuant to California Penal Code 837 and crimes against an instrumentality of the United States, registered Natural Person Employees ' Securities Company, protected financial institution under 1940 Investment Company Act.
Consumer complaint received 2024-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (FL)

Received a bill in the mail that stated as of XXXX XXXX that I owed {$390.00}. 
Constant harassing calls without proof of bill. I would like to be proved whose name the debt is in, the amount, who is the creditor and what the debt is registered for what.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

An impostor withdrew {$10000.00} from my US Bank checking account at XXXX different branches on consecutive days. US Bank 's tellers at the XXXX XXXX, XXXX XXXXXXXX and the XXXX, XXXX XXXXXXXX simply allowed a man to make XXXX withdrawals without verifying my identity. Even though XXXX of the withdrawal slips MISSPELLED MY NAME AND THE SIGNATURES DID NOT XXXX XXXX. I reported the theft to the police department in both towns but the investigation has stalled BECAUSE US BANK HAS REFUSED TO TURN OVER THE BANK 'S SECURITY VIDEOS OR THE PHONY ID PRESENTED. How can US Bank get away with this?
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AZ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-02-12
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. (TN)

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. 

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 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 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (OK)

In XXXX,2017 I was online and saw an link to a card that would pay XXXX dollars for spending XXXX dollars in the first 90 day. I clicked on the link, it was wells fargo, I filled out the application and was accepted on line. I spent XXXX dollars in the card in the first month that I had the card. At the end of the first billing cycle in XXXX I checked my account and there was not a cash back reward, I called wells fargo and they told my it would be given to me in XXXX 2017 at the end of the 90 day intro. period. In XXXX when I checked wells fargo had only put XXXX dollars in my rewards account. I called wells fargo and inquired about the cash back rewards deposit. Wells fargo opened a case for me on the XXXX of XXXX and said it should be completed in 14 days. I called back on the about the XXXX of XXXX and it still had not been completed, and was told that it was real close to being completed. I then called back on the XXXX of XXXX and was told that it had not been completed yet. I asked to speak to a supervisor who gave me the same answer, and he told me that my case had been taken to the next level of the investigation. ( not sure what that means ) I told them both that this was not their fault, but was not very good customer service. After the lady gave me her reason for the case not being completed. I told her that I was going to file a complaint with the CFPB. and that what they were doing to customers was a bait and switch, At which time I told her was illegal and that I expected to have the XXXX dollars of the reward monies put into my rewards account by the XXXX of XXXX 2017. I  then reiterated that I was going to report them to the CFPB. Thank you for your time in looking into this matter. last four XXXX XXXX XXXX XXXX XXXX, USA ( XXXX )
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (IN)

I and my granny did an online application on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX for a XXXX XXXX XXXX where she co-signed for me, and they called and told me I was approved and granny and I could come pick up the truck. When we got there they showed me and granny the truck and we came back and sat down and signed papers for truck and XXXX nut a downpayment of {$1000.00} down ( that I was not supposed to pay ). At the time I did not realize the annual percentage rate was inaccurate, the finance charge amount was inaccurate, the amount financed was inaccurate, the total number of payments was inaccurate, the monthly payment was inaccurate and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), all warranty services they charged me for are not valid ( they said I do not have any active warranty other than the manufactures warranty, and that I had been abused and deceived.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/XXXX and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws. The Truist Bank has not given a response, they only sent me a letter that I received on XX/XX/XXXX, saying that they had not been able to contact me and they gave a phone number for me to call. Yesterday, XX/XX/XXXX, I called Truist Bank and they asked me to go to a Branch to personally identify myself and from there they would call the Claims Department. This isn't the first time I've been asked to do this. I have already gone to a Branch to identify myself, they call the Claims Department and they have not given an answer to the problem, that is, they do not return the money or tell me why they withhold it improperly.

I filed a previous complaint with CFPB and the complaint was closed only because Truist Bank said they had responded to me, which is not true. What I don't understand is why the CFPB closes this claim, when Truist Bank has not responded to the complaint presented here. Truist Bank is not telling the truth when notifying the CFPB that it has already responded to my claim.

Truist Bank has not given an answer, that is, it does not agree to return the money nor does it tell me why it has been improperly withheld so that I can take any legal action that allows me to recover my funds.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (NJ)

I have a mortgage with Rocket Mortgage which governs my principal, taxes, and interest payments through a mortgage escrow account. I make monthly automated payments on the XXXX of each month through my bank. I am current on all escrow shortages and monthly payments. 


My mortgaged property is part of a small municipality called XXXX XXXX which has a XXXX XXXX to pay the water and sewer use per property. The XXXX XXXX is exclusively the domain of the XXXX. There is no other government agency overseeing or involved in its operations or reporting. They bill property owners {$370.00} six times yearly, every other month. They charge a very small interest fee if you do not pay upon receiving each bill. The bills are for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I pay my bills in XXXX and XXXX. 


I paid my water bill in full on XX/XX/year> via paper bank check. The XXXX managed cited that it was received on XX/XX/year>. The check is posted to my account as paid. 

Rocket Mortgage reviewed the taxes page of XXXX XXXX and the Water/Sewer page. They saw my three open water bills and also made a payment on XX/XX/year> out of my Mortgage Escrow Account. This is an account utilized solely for the payment of my Mortage Principal, Taxes, and Insurance... NOT UTILITIES. 


I called and spoke with two representatives on XX/XX/XXXX as that was the date I received the Escrow Account Shortage notice sent to me via USPS. I inquired why my water bill was paid by my mortgage escrow account. The representatives offered to bring my questions to the escalation team as they had no answers. 


The escalation manager XXXX and I spoke on XX/XX/XXXX and she insisted that my open Water/Sewer bills were tax liens. I insisted that I have no tax liens for any reason open on the property. She said she sent me the webpage dated XX/XX/year> to show my open bills... she ignored the fact that the top of the page clearly states WATER/SEWER.

Rocket Mortgage is demanding that I replenish the Escrow Account, and that this will affect my future mortgage payments by up to 19 % because they are declaring this as a tax lien. 


I did not give them permission to use my escrow account for any reason other than the mortgage, taxes, insurance. There is no aspect to my mortgage agreement that this will be used to pay the private XXXX XXXX set up in the XXXX. How do I get them to stop this predatory practice!!
Consumer complaint received 2023-01-04
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 XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX 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 2023-02-14
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. (TX)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (AL)

I received an email regarding policy changes from Truist, however I've never had an account with Truist, BB & T, or Suntrust. I reached out to Truist and was able to verify my social security number, however the address didn't match so the would not release any information pertaining to the account. I have absolutely no clue as to what it is or what type of debt it is.
Consumer complaint received 2023-08-18
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: SANTANDER HOLDINGS USA, INC. (TX)

This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!
Consumer complaint received 2023-08-18
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 (IA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.