davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (FL)

I am a victim of fraudulent information reporting and I am filing this complaint to MERCEDES-BENZ FINANCIAL SERVICES . I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PatientFi, LLC (TX)

I requested a Payoff. Once I received, I used that along with the name, address, and account number to XXXX XXXX XXXX. 
The account was for a medical debt and was set up to autodraft via ACH from the very beginning. I was urged to NOT stop ACH until well after the balance was paid. 
The account balance started at one balance and was not incurring interest for the initial 6 month period. I requested the payoff before the introductory period was over. 
XXXX remitted the amount in full. The account was closed. The ACH was stopped by the creditor. I never contacted anyone to stop the ACH. 3+ months later I started getting collections calls from the creditor. After the first call, I went to XXXX and confirmed that the account was closed. ( I can provide a screenshot ). I contacted PatientFi 3+ times to find out what the deal was but was never able to reach them. The first communication I received was when I filed a complaint. They now report the account as Open - Past Due. They claim I owe {$130.00} which I have now sent to satisfy their alleged unpaid balance. They have 10X in Collections as they do in Support.
Consumer complaint received 2022-07-14
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. (CA)

I have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the XXXX and TransUnion Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the XXXX and TransUnion Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if XXXX and TransUnion Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX  XXXX Balance {$3100.00} DEPT OF EDXXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}
Consumer complaint received 2024-03-14
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: Navient Solutions, LLC. (CO)

The report stated the info is correct according to Navient. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both Navient and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to Navient not being held accountable to the deadline.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snap Recovery, Inc. (NJ)

Date of service XX/XX/XXXX : The collection agency reached out to me on XX/XX/XXXX via text message about an unpaid balance from the date of service XX/XX/XXXX. My insurance informed me that the reason why this was unpaid is because the doctor did not submit the claim correctly. This type of visit is fully covered under my plan and would be paid in full by the insurance company. I followed up with my insurance company multiple times and they informed me that the doctor kept submitting the claims incorrectly such that the insurance company was unable to process them. I informed the collections agency and she put the account on hold. This process repeated from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, the collections agent called me and said that they would no longer hold the account and they would be escalating this case further unless I paid them today. I contacted my insurance, who called the doctor. The doctor refused to resubmit the claims and refused to work with us further. We informed the collection agency and she refused to place the account on hold or try to convince the doctor to resubmit the claim. 

Date of service XX/XX/XXXX : The collection agency informed me of a balance due for the date of service XX/XX/XXXX. However, I paid the full amount the doctor charged me prior to leaving the office. I have a receipt that the doctor emailed to me after I paid them. The balance the collections agency is asking for is also larger than what the doctor billed me for. The doctor also did not submit the claim for this date of service correctly. The insurance went through the same process as the XX/XX/XXXX date of service claim to explain how it needed to be submitted, and the doctor refused to resubmit the claim.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Discover is refusing to resolve a transaction dispute in my favor, despite me providing evidence of theft and fraud committed by the merchant. XXXX sold me a defective garage door opener. Then they sent an incompetent contractor to install it, who completely botched the installation and then stole my old garage door opener. I attempted to resolve this with the merchant, XXXX customer relations, for weeks before eventually contacting my credit card company as a last resort and filing a dispute on this purchase that I made with my Discover credit card. XXXX then lied to my credit card company about what happened. Shockingly, Discover sided with the merchant on this dispute. Now I'm left with a non-functioning garage door opener, which I can not reasonably disassemble and return to their store. According to the notice I received from Discover on XX/XX/, the only documentation they used to base their decision on was XXXX 's refund policy, which unsurprisingly does not include any sections on fraud and theft committed by XXXX and their contractors. This was after I provided Discover with weeks of emails from XXXX acknowledging that they had sold me a defective product, that I am physically unable to return to them, and then refusing to fix the issue. This is fraud, and I am well within my rights and the law to have this charge reversed. If I don't get my {$310.00} back, everyone involved in this going to court.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

Navient has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for Navient and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of navient to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/2021. Somehow despite my accounts no longer being held by naveint for XXXX  months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, navient is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand navient write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to Navient for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement with The XXXX Law Firm in regards to Cause No. XXXX ; American Express National Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

XXXX. XXXX XXXX XXXX claims to represent American Express in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection XXXX ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

XXXX. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, XXXX of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

XXXX. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) XXXX. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to XXXX XXXX, XXXX who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from XXXX XXXX, XXXX or The XXXX XXXX to any of my attempts to communicate.
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

Smith Rouchon & Associates texted me on XXXX XXXX XXXX  about debt and I asked for documentation, they turned around the next day and called my job hour for garnishment. My job said that they would have to take XXXX XXXX of my income or call them. I called them and said I asked for documentation and didn't receive anything. The lady was rude and told me that I would have to pay, make a payment, or go to court. I ended up giving my credit card information because I didn't want them to take 25 % of my income. I don't know of any debt nor received anything. They say that it is a few companies, but then I have a message saying that I have a lower amount than stated. I have the text that says to mail me information because I am a XXXX. That is unprofessional to text and spam. After reading about this company, this is known to be a rude company and doesn't supply documentation.
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Good Morning..my dears, At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I faxed my judgement file case # XXXX from [ US.Bank, XXXX XXXX, XXXX  ] To : Attention : Garnishment Department at US.bank. 
After 5 months returned back to me uncollected the Bank Altered and committed Fraud changed my judgement file case number I went back and I faxed back and so far, I haven't heard from them again.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MT)

I receive numerous calls throughout the day from this company. Three calls in one hour on most days. On XX/XX/ I received calls at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. On on XX/XX/ I got calls at XXXX and XXXX XXXX On XX/XX/ I got calls at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. This happens multiple days in a row and all day long. They have called numbers that I did not give them to call and told them I have credit card delinquency and they are trying to contact me.
Consumer complaint received 2023-04-08
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: Village Capital & Investment LLC (MI)

In accordance with the fair credit report act this creditor has violated my rights. ( XXXX XXXX ). Under 15USC 81 1681 sec 602, states that I have the right to privacy. Section 15USC sec 81 604a sec 2 also states. A consumer agency can't furnished an account without my written instructions under 15USC 1666B a creditor may not treat a credit card payment open an under consume a credit plan for late for any purpose.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has charged us over {$200.00} in overdraft fees recently because we lacked sufficient funds for a bill pay service utilized to send payments to the artists we employ. As a registered 501 ( c ) ( 3 ) nonprofit organization, our resources are limited, and these fees pose a significant burden on our operations. Such fees can have detrimental effects on businesses like ours. Therefore, we kindly request your assistance in waiving these fees.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

From XX/XX/XXXX to present day XX/XX/XXXXXXXX XXXX Capital One has violated my consumer rights on multiple occasions. 

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2. 

Please advise I have completed and submitted from 95 to the Department of Justice for Damages as well as IRS form 3949a to have your institution audited.
Consumer complaint received 2023-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with " The Fair Credit Reporting Act XXXX '', Capital One Auto Finance on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I financed a vehicle with this company, the car was originally XXXX dollars but after financing the car was almost XXXX I paid my note for XXXX years and I still owe XXXX dollars. My engine went out on the car I contacted the company and told me there was nothing they could do for me. The company is credit appectance they wanted to continue to pay a car note after the car is not working
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC (LA)

Indigo credit card showing 1 late payment reached out to the company to remove the late payments it has been almost XXXX years since the late payment appeared on my account It has been over 30 days and the creditor has not updated this information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they have 30 days to complete the investigation. and by failing to do so, the item must be deleted as soon as possible. 


In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states t have the right to privacy.15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IA)

The interest rate is illegal. Here are the terms : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

XXXX XXXX ( e ) FINANCE CHARGE The dollar amount the credit will cost you. 

{$3000.00} Amount Financed The amount of credit provided to you or on your behalf. 

{$870.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Here is my payment schedule. I pay {$220.00} every XXXX weeks and the principal only goes down {$5.00}. 

Payment Schedule Pmt # Due Date Principal Interest Principal Payment Due Ending Principal XXXX XX/XX/XXXX {$870.00} {$110.00} {$4.00} {$120.00} {$870.00} XXXX XX/XX/XXXX {$870.00} {$210.00} {$5.00} {$210.00} {$860.00} XXXX XX/XX/XXXX {$860.00} {$210.00} {$6.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$210.00} {$8.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$200.00} {$10.00} {$210.00} {$840.00} XXXX XX/XX/XXXX {$840.00} {$200.00} {$12.00} {$210.00} {$820.00} XXXX XX/XX/XXXX {$820.00} {$200.00} {$15.00} {$210.00} {$810.00} XXXX XX/XX/XXXX {$810.00} {$190.00} {$19.00} {$210.00} {$790.00} XXXX XX/XX/XXXX {$790.00} {$190.00} {$24.00} {$210.00} {$760.00} XXXX XX/XX/XXXX {$760.00} {$180.00} {$30.00} {$210.00} {$730.00} XXXX XX/XX/XXXX {$730.00} {$180.00} {$37.00} {$210.00} {$700.00} XXXX XX/XX/XXXX {$700.00} {$190.00} {$43.00} {$230.00} {$650.00} XXXX XX/XX/XXXX {$650.00} {$180.00} {$54.00} {$230.00} {$600.00} XXXX XX/XX/XXXX {$600.00} {$160.00} {$70.00} {$230.00} {$530.00} XXXX XX/XX/XXXX {$530.00} {$140.00} {$89.00} {$230.00} {$440.00} XXXX XX/XX/XXXX {$440.00} {$120.00} {$110.00} {$230.00} {$320.00} XXXX XX/XX/XXXX {$320.00} {$90.00} {$140.00} {$230.00} {$180.00} XXXX XX/XX/XXXX {$180.00} {$50.00} {$180.00} {$230.00} {$0.00}
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.