davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NY)

I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.
Consumer complaint received 2016-12-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (VA)

I have no recollection of any medical bills unpaid by me, I have not been to a doctor in over 2 years. I have not received XXXX phone call, letter, or email. I think this is a scam.
Consumer complaint received 2023-03-20
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 2016-06-11
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have new credit cards from CAPITAL One Bank, I was miles reward program which was converted in XXXX $ cash bonus if I spend XXXX $ during 3 months, I call several time to CPAITAL One award department and customer service told me that I was approved. 
I spend during 3 month around XXXX $ but never restive a XXXX cash bonus. 

Please help me with this issue.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My Kohls credit card was hacked on line on XX/XX/2017 Kohls sent XXXX email gift certificates to a gmail account which they refuse to divulge due to privacy rights. No confirmation email was sent to us as Kohls claimed the box was checked not to send a confirmation. We used the account on XX/XX/2017 There was no record of the alleged gift cards. 
I received my bill on XX/XX/XXXX and immediately reported the fraud. Kohls opened an investigation and from that point on, the have continued to lie and refuse to provide any information on who they sent {$300.00} worth of gift cards from my account
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (GA)

XX/XX/2020 I'm XXXX and have maintained an EXCELLENT credit score for as long as I can remember ...

I paid off two car loans within the past 60 days that reduced my personal debt by XXXX $ XXXX {$55000.00} and reduced my monthly payments by {$1300.00}. As a result of paying off these loans, my credit score DROPPED by 20+ points. WHY???

As a result of the actions noted above, I was amazed to see that I went from an Excellent FICO Score of XXXX to a Very Good Score of XXXX ... 

I submitted a dispute to Experian ( XXXX ). Experian says they do not know why my score dropped and it's up to the XXXX folks to explain that to me. They gave me the number to XXXX ( XXXX ) so I could follow up with them. 

So, I called XXXX today and they told me that I would need to sign up for their service ( $ $ $ ) before they could tell my why my XXXX score DROPPED by 20 points. " They '' do not have access to my financial information. I do not need - or want - to purchase a product from XXXX in order to get an answer to my question. I already have an account with Experian. 

This is quite the little dilemma for those of us who just want to understand what's going on with our credit scores. Just to clarify ... I have no issue with anything on my credit report. I just want to understand the significant drop in my score after I took what would typically be considered very sound steps to improve my financial status. 

I would also say that those of us who have questions about how the " FICO SYSTEM '' works ( calculates our scores ), should be able to get answers to our questions - from a live body who actually understands what's going on. 

I'm being told by Experian and XXXX there is no one who I can talk to who can look at my situation, review my credit report and explain to me why my score was so negatively impacted by the positive actions I took ... That is the problem I need an answer to. 

Sounds a bit like the XXXX XXXX XXXX to me.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo is has violated my consumer rights per 15 U.S. Code 1681m by denying me a loan based on information on my credit file.

15 U.S. CODE 1681m- Requirements on users of consumer reports. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IL)

I was offered this loan in the amount of {$5900.00} on XX/XX/2023. I submitted documentation and was told I was approved on XX/XX/2023. 

The initial approval on XX/XX/XXXX was based on a soft pull of my credit, with no inquiry on my report. The final approval made it seem like the loan was approved, with the hard credit pull already taking place. 

The instructions from the company were to log in and sign the loan agreement to finalize the loan. It was not made clear that there would still be another credit check, which they did without clear explanation - leaving me with an unnecessary inquiry on my credit report. 

These are deceptive and confusing practices, if I had know there would be another credit check I would have declined the offer. You can not use the term 'approved ' when there's still another credit check, that should be reserved for when a loan is actually approved.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KS)

I have been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the Bankruptcy XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.
Consumer complaint received 2015-12-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have XXXX checking accounts with USAA and I owed money in XXXX account and today I am locked out of all of my accounts until I pay the negative balance. The balance in my other accounts was taken out and put toward that balance all of my cards are frozen. I never received any notice that this was going to be done and now I ca n't pay my rent or car payment.
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: EQUIFAX, INC. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, it does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter.

Attached please find attached : Law Enforcement Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B ( PDF )
Consumer complaint received 2016-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (FL)

ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Sps has wrongfully taken my home. Naca was informed on XXXX XXXX that my property had no sale date. The sps rep advised this information directly to Naca via a phone call. Sps dropped the ball not advising to myself or Naca that the attorney handling foreclosure advised that the sale date could not be postponed due to timing. Please advise to me why the sale date for the XXXX was moved??? All of this happening why my file was being reviewed with sps as well as mailed notifications that the file was under review with no notification that sale date was not able to be modified sps has the ability to retract the sale that took place today XXXX.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MN)

I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (IN)

I don't remember when I first called asking for a credit card bc I never received mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I knew it had annual fee, however, I was told once I got a working card they would remove interest. So I called to ask politely. He talked to the supervisor & decided to close my account due to no activity. I JUST GOT MY CARD. I want to review this company. The first guy said it didn't matter if I had a card. As soon as you qualify they charge you interest, I said that's illegal. I think they aren't doing things on the up & up bc I wanted to pay annual fee. Now on top of all that. The card I finally got has the last 4 digits as the card I never got. So someone else might have my stuff. I've already had to get new bank card.
Consumer complaint received 2023-03-20
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. (MI)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15-U.S.C-1681 section 602 A states I have the right to privacy. 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 2024-02-23
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: EQUIFAX, INC. (CA)

On XXXX XXXX I received an email from XXXX XXXX informing me of a new hard credit inquiry from a company identified as " XXXX XXXX XXXXXXXX '' submitted on or about XX/XX/2024 to Equifax and XXXX credit bureaus. The email from XXXX XXXX asked me to verify whether on not I had initiated of approved the credit inquiry in question. I contacted a XXXX XXXX agent. I informed the XXXX XXXX agent and thereafter an Equifax agent, that I did not make or authorize the credit inquiry ( notice of which appeared in my Equifax credit report and the email and communication from XXXX XXXX ), that I had never heard of the XXXX XXXX XXXXXXXX and, prior to the email from XXXX XXXX I never knew it existed. After discussing a range of negative impacts an unauthorized credit inquiry could have on my credit and finances, I used the telephone number I was given for Equifax Credit Bureau, and spoke to an Equifax agent, temporarily freezing credit inquiries, and requested that the credit inquiry from XXXX XXXX XXXX  [ XXXX. ] be removed from my credit report. The I attempted several times to call the number supplied for XXXX XXXX XXXXXXXX '', but was unable to connect with that company, although I heard a disturbing ring tone sounding like a fax machine, every time I tried. 
XXXX different Equifax agents I spoke to after that advised me to submit a Dispute to Remove the credit inquiry in order to have the inquiry removed from my credit reports. The last one told name I would need to submit the Dispute with identification documents and a Complaint to the FTC explaining the credit inquiry and how I had attempted to remedy the unauthorized use my identity and specific steps I had taken to remedy the situation. As described above I had taken reasonable steps to fix the problem. In addition the governments IdentityTheft bureau and reported the same fraudulent inquiry by telephone and the email and communication from XXXX XXXX  ), that I had never heard of the XXXX XXXX XXXX ''. Since Equifax is requiring a complaint manifesting my action to correct the situation, I plan to submit a copy of this report to them with my dispute to remove the offending credit inquiry.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (MD)

YES..I CAN NOT FIND FIRM TO CLAIM THE CREDIT KARMA ... PUTTING OUT FALSE LEADS TO CREDIT CARDS AND LOANS ... ..THEY DID THIS TO ME AND HAVE CONTINUED TO GIVE ME THESE ... YOU HAVE AN APPROVAL ONLY TO TOLD NO AND ITS MARKED ON MY CREDIT AS A HARD CHECK PLEASE FORWARD FORM ... .THEY NEED TO BE HELD RESPONSIBLE ... THOSE HARD CHECKS HAVE DESTROYED MY CREDIT
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CCS Financial Services, Inc. (TX)

No one contacted me regarding the collections information and it was misleading billing. This is the company listed. I don't know how I didn't find out about this. CREDIT CONTROL SERVICE has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : CREDIT CONTROL SERVICE Address : XXXX XXXX XXXX, XXXX, MA XXXXXXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$52.00} My phone number is XXXX
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.