davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (NY)

I on XXXX XXXX went to Mercedes Benz dealership to discuss my options for the end of a lease I have coming up in 4 months. The the sales men who was attending me talking my into getting an XXXX SUV that they had in inventory to finance. I was considering it due to the fact that the sports car the i currently have is rough to drive around the roads of XXXX XXXX XXXX and needed something that could handle pot holes, broken up and construction roads ( Etc. ). I gave them consent to run the bank application for a financing loan. I soon realized when I went home and ran the numbers myself with my wife the price he was trying to sell me the SUV for was way to much for its worth and left out a lot of details on it. He tried to convince me it was a great deal when it wasn't because the price he was selling me this XXXX SUV for was at the same price of a newer model XXXX or XXXX. I spoke about it with my wife and she tolled me the whole time at the dealership not to go through with the offer. I called the salesmen multiple times and it had only been an hour since i has left the dealership. I left him voicemails and text messages to not go through with the banking applications. I kept calling and I couldn't get in contact with them. I even went back the dealership to try and speak with him but he was already gone. They ended up doing it anyways after i told them not too. They sent out multiple applications to try to get me approved and got denied from a total amount of XXXX banks all on the same date of XX/XX/XXXX. This impacted my credit score and even got me XXXX hard inquiries on my credit report.
Consumer complaint received 2020-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-05-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XX/XX/XXXXXXXX Balance : {$7.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXX XXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$580.00} This complaint is my follow-up to ensure that the listed accounts are fixed and updated
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for an account on XX/XX/2020 using the Bank of America website around lunch time at XXXX XXXX. I received an email shortly after explaining that the application would be reviewed and they would notify me if accepted. Approximately 30 minutes later I received another email stating. " Great news! We opened the following account ( XXXX ) for you : Bank of America Advantage SafeBalance Banking Account Bank of America Advantage Savings ''. 
Being happy that I had a new account that I could use I began transferring funds into the account. One transfer was from another Bank Account in the amount of {$77.00}. The second transfer was from using the Mobile App, in which i used to Mobile deposit a check in the amount of {$75.00}. 
I went into a Bank of America branch between around XXXX to deposit cash and receive a temporary debit card. I was told that temporary cards didn't exist and that I needed to wait for it in the mail. So I left confused and went home and called Bank of America directly for assistance. I explained to the Bank of America employee that I was very displeased that they did not offer temporary cards and that I was confused that I couldn't obtain my funds unless I waited a week for my card to arrive. The employee on the phone then explained to me that the clerks at the actual branch should have informed that that I was able to retrieve my funds from the ATM. I expressed my frustration and, the employee agreed with me, and I got off the phone. 
About 5 minutes after I got off the phone I went to check the Mobile App just to see if my transfers had completed, and to my surprise, my account no longer existed. 
I called Bank of America back regarding the issue and was promptly told that Bank of America reserves the right to no longer do business with whoever they please according to their Policies. They also explained that Bank of America stated no reason for Closing the account. I then inquired about the money that I had already put into their bank and they said I could have it back in 10 business days. 

Why can Bank of America withhold someones assets and possibly profit from that money? Why can Bank of America approve, and close an account in the time frame of 4 and half hours? Especially with no cause or reason.
Consumer complaint received 2019-02-11
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. (GA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX I view a copy of my TransUnion report and noticed an unverified collection account from XXXX XXXX XXXX. I have previously disputed this account with TransUnion requesting verification. I have also contacted XXXX XXXX XXXX using the information provided to me from TransUnion and was unable to Verify this collection account ( see attachment ). I do not owe a {$400.00} unpaid balance with XXXX XXXX XXXX or XXXX. Per the FCRA unverified is not allowed to be reported on my credit report.
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Revolution Financial Inc. (OK)

XXXXXXXX XXXX  mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX  XXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.
Consumer complaint received 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I attempted an FHA Streamline refinance and rate reduction through my bank. My bank denied it as they said, FHA would not agree to keep a lien due to loan modification unchanged on the loan. at my banks suggestion I tried contacting FHA to ask them to agree. FHA referred me to HUD housing and urban development who I called, faxed and emailed my request for assistance but still have not received a response.
Consumer complaint received 2019-02-15
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: COMMERCE BANK (IL)

I have repeatedly disputed an account with Commerce Bank due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

Commerce Bank has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All Commerce Bank has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XXXX Commerce Bank received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. CB has failed to respond to this formal legal demand. CB is still reporting this debt to XXXX knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XXXX. I asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes.  '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and Commerce Bank need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If CB wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

CB 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX SYS Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX 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 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. Santander Consumer ''. with my credit report being inaccurate and the damages it's placed upon my life!! 

In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}. 

They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, XXXX XXXX and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me. 

( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I

n 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 information is inaccurate.
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

I realize that this issue has not been resolved, and keep saying duplicate but when the IRS took my income tax for the amount of {$8200.00} dollars this loan was paid off. Seems the AES has bought a bogus loan and the loan was only about {$4000.00}. i know for a fact that this loan has been paid off. back in 2014 through IRS.I am not in the national data base as of owing anything.
Consumer complaint received 2020-01-10
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-11-29
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. (AR)

I am writing to express my deep concern and frustration regarding the previous dispute. I have made to address the fraudulent items associated with my account Despite my efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels, Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (AZ)

Original debt from XXXX XXXX XXXX, XXXX WA. Original XXXX   XXXX  ordered by XXXX  XXXX XXXX, XXXX AZ. XXXX XXXX for several XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  such as XXXX  and XXXX etc.XXXX. XXXX sent specimen unrefrigerated in mail. Specimen arrived at XXXX  7 days after taken from patient making it a non viable specimen for testing. XXXX  personnel knew this and conducted testing anyway. Charged customer enormous fees for XXXX XXXX unwarranted for XXXX  vs XXXX XXXX   which is a fraction of the cost. This was a common practice to do this unwarranted testing to overcharge patients. Department of Justice has charged XXXX XXXX XXXX with giving all its doctors, including XXXX  XXXX XXXX KICKBACKS for referring services unwarranted and nonviable specimens for testing. 

I, as XXXX  XXXX customer was duped. During a doctor visit with XXXX XXXX  he said he was going to do a XXXX XXXX in office. I watched the nurse perform test. After I left office they took XXXX  sample and mailed it to XXXX XXXX XXXX and authorized expensive XXXX  XXXX  which I would have never authorized. I had been tested many times only to pay no more than {$40.00}. When I got the bill from the XXXX  for in the {$3000.00} range I was outraged and started investigating. Not only was it fraudulently sent but a nonviable specimen for testing being so old and exposed to heat!! 

I then found out that XXXX  XXXX XXXX was getting a KICKBACK in the form of some kind of marketing check as found out by the Department of Justice. I then discovered that the XXXX  had closed, moved a couple blocks up the street and reopened in a different name. 

I am a victim of fraud and a kickback scheme in the XXXX   profession. The Department of Justice has arrested the top people at the XXXX  and some have already pleaded guilty. This debt is a product of FRAUD!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX. XXXX # XXXX