vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
In response to XXXX, XXXX at Mercedes Benz , has not adhered to any of my requests, and still has no specific reason for the denial. ( see attachment ) At this stage, XXXX XXXX  XXXX ( see attachment ) can not verify, admitting they were wrong yet not providing me any remedy, that is working backward and against my consumer rights. 

Mercedes Benz expresses we are unable to answer questions related to credit decisions directly with an applicant. Then why are you accepting credit applications? just to take the information and sell to third parties. This has to stop. ITS ILLEGAL, ALL these violations of Federal Equal Credit Opportunity Act, and Consumer Credit Protection Act. 

ITS DISCRIMINATION! Also UPHOLD the Privacy ACT of 1974 XXXX expresses they are an indirect lender, Ive written to Mercedes Benz, XXXX XXXX XXXX, XXXX and XXXX, seems like all of these companies are hand in hand and are discriminating against me. Its unfair and really feels horrible knowing I have full faith and credit of the United States, and have to go through all these rigorous events to get a beneficial result. 

I will escalate to arbitration, because writing to CFPB just doesnt seem to equate, its clear as day I am being discriminated. 

XXXX- MBFS would not be able to accept your correspondence as satisfaction of a contractual obligation. What is she talking about?, Ill express my demands again, send the approval details and purchase order contract as the obligation, for my security application, from XX/XX/XXXX. I never expressed any of these correspondences to be an obligation of contract. It really is irking me how no one is honoring whats in writing. They Just keep doing the same song and dance, which helps me none! Help me help you, thats how this economy grows. 

Without Prejudice XXXX : Telesford UCC1-308 A All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX we had a credit card fraud where a fraudster called saying they are from Sams Credit card and made 9 overseas fraudulent charges to our Synchrony Bank Sams Card ( XXXX ). 
We trusted the call as we were working on a separate Synchrony Bank credit card fraud with following details, o XXXX XXXX ( XXXX XXXX XXXX ) o Card Number : XXXX We were in the USA. We do not make overseas charges and such substantial charges on this card. It can be verified by the history of usage. 
Charges were made as follows, o 4 charges at XXXX XXXX XXXX XXXX. 
XXXX search shows they are from XXXX and website to be XXXX XXXX XXXX with headquarter in XXXX ( $ XXXX $ XXXX $ XXXX {$900.00} = {$3600.00} ) o 4 charges at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX $ XXXX $ XXXX {$12000.00} ). Appears to be an XXXX and XXXX based outfit. 
o One charge at XXXX XXXX XXXX ( {$370.00} ) - We called Synchrony Bank right away ( same day within an hour ) as soon as the fraud was recognized. XXXX Call Log was provided to the bank. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6 ) Since then, we have been in constant touch with the bank. They have conduced five investigations with following resolutions, 1. Opened XXXX ; Closed : XX/XX/XXXX. 
I. Resolution-1 : The purchased items were shipped to your address. 
2. We called back and the investigation was reopened a second time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-2 changed to : You Authorized, participated in, or benefitted from the purchase. 
3. We called back and the investigation was reopened 3rd time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-3 same as Resolution-2 : You Authorized, participated in, or benefitted from the purchase. 
4. We called back and the investigation was reopened 4th time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-4 changed to : We have received no proof that credit is due on the account from you and or the merchant. 
5. We called back and the investigation was reopened a 5th time 0n XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-5 ; Same as Resolution-4 : We have received no proof that a credit is due on the account from you and or the merchant. 
7 ) Synchrony bank failed to protect us due to their poor vigilance. 
8 ) Synchrony bank has reported to credit report agencies that has negatively impacted my credit score 9 ) We filed police reports for the fraud. That further confirms that we have not benefitted from these charges, and they were fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SECURITY HOME MORTGAGE
State: UT

Complaint narrative:
I lost my job in XX/XX/XXXX and requested assistance from my mortgage company. They approved a forbearance for 6 months. Late in XXXX XXXX XXXX, I got a new job which pays XXXX per hour less than I had been making. I called mortgage company and let them know as soon as I had new employment but was not making as much as I had been. The person I spoke with said to just stay under the forbearance until it ends. I contacted the mortgage company several times during the forbearance period. When the forbearance period was coming to an end at the end of XX/XX/XXXX, I was advised that the missed payments could be added to my current mortgage but I needed to resume the same payment as we were making prior to forbearance. I advised that with my paycut we are no longer able to afford the current payment and requested to be reviewed for a loan modification. During this process I was continually told that I was protected from foreclosure and being reported as late to the credit bureaus. While mortgage company was evaluating us for a modification I XXXX how this would affect our credit and found that we may be reported as having settled our mortgage and be negatively affected with our credit. I then contacted the mortgage company and requested an extension on our forbearance so that I would possibly start getting bonuses at work soon and may be able to cover the original payment. The request was approved, but for the months of XXXX, XXXX and XXXX and they left out XXXX. I asked right away what about XXXX, we can not afford that full payment. They needed to reasearch and escalate to find out what to do, but in the meantime I was being evaluated for the modification. As soon as I was told that the forbearance was approved starting in XXXX, I started getting messages from my credit watching services that I had a serious report on my file that needed attention. I came to find that while I am in the midst of working on a loss mitigation plan, the mortgage company has reported our mortgage over 120 days delinquent! I called the mortgage company immediately and was told he would have to request that the file be reviewed to see if the negativity could be removed from our credit report. He told me that it would be 7-10 days before I would get an answer. In the meantime my credit score dived over XXXX XXXX  and now we have horrible credit which is not what I was led to believe would happen during loss mitigation procedures. I am requesting and immediate correction, please.. We have always had good credit, high dti, but good credit. This will affect us for the rest of our working years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have XXXX issues with American Express. In XXXX of XXXX I checked my credit report and found an inquiry from American Express for a credit card on XX/XX/XXXX. I contacted American Express on XX/XX/XXXX and told them that I did not open this credit card. Someone else had used my information to open this card. They assured me the card was closed and not mailed to the mailing address for the card. I than got a letter from American Express on XX/XX/XXXX with a Membership Number XXXX and Amex Reference Number XXXX about the fraud. I than mailed a letter to American Express asking for further information on XX/XX/XXXX. I am still waiting for this information. 
On XX/XX/XXXX I received an email from American Express stating that they have finished reviewing my application for a Hilton Honors American Express XXXX XXXX. I than contacted American Express that day and told them that I did not open this card. They did tell me that my date of birth, my name and my email address was used for this application. However, a different Social Security Number, mailing address was used for this application as well. They did assure me again that the application would be canceled and no card will be mailed to the address on file. I asked for further information and they said that I need to mail them a request for this information. I am in the process of sending another package to them to find out more information from them on who this person is. This is just crazy. I've attached supporting documents. I have put fraud alerts and froze all three credit reporting accounts. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
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.
State: DE

Complaint narrative:
It is a list of Credit cards that Experien is reporting on my credit report that's violating my consumer rights. 

This is invasion of my privacy as a consumer and your company is required by the Federal Trade Commission to comply with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act.

Please cease from reporting recent and high balances and update this information With EXPERIAN, XXXX, and XXXX within 15 days of receipt of this letter. 

These are the accounts that must be updated immediately. 


XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/XXXX credit inquiry was made for a loan. It was supposed to be a soft hit and it was a hard it. I tried to complete the application but penn fed app, and website gave the same error message. Ive called and called, email regarding this issue. A ticket was allegedly put in for my issue. Today XX/XX/XXXX and i was told the application was cancelled because it was incomplete and that i have to reapply for another loan and take another hit and the issue with the system still exist and unable to login messages, check application status and i can not do anything on pennfed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX continues to not follow the court orders regarding the case XXXX vs XXXX. XXXX does advise me that my student loans have been discharged, however, they refuse to take the information off my credit reports. 

Additionally, I have not yet received my loan refunds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I tried disputing this account. I lived in the apartment building but moved out and my ex sign a new lease via docusign without my consent. I tried disputing it. I saw it says off the record in XX/XX/year> it is still on there and it doesnt show that anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
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.
State: MO

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Here is the account : XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Here is the account : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I had fell behind on payments due to many uncontrollable factors. I got in touch with ally and set up a payment plan. I paid the initial {$150.00} requested and assured them of payment and gave an outlined forecast of plans that had been set in motion. Ally financial broke the payment agreement and repossessed the vehicle out of state of residence mainly because I had given up to date information while setting up the payment plan. The vehicle was repossessed on XXXX XXXX while I was at work, ally completely dishonored the payment arrangements and in turn I was hit with a total of XXXX to regain possession even though they were aware of my financial situation. Ally financial also dishonored the 90day period which I was granted to retrieve the vehicle and sold the vehicle in XX/XX/year> after adding another surcharge and blocking my account access in the attempt to hide the dishonesty. On XXXX XXXX I was told I was not going to receive funds from the sale of my vehicle because the amount it was sold for was insufficient and I still owed ally financial money. The vehicle is valued at {$12000.00} according to a XXXX offer which I had gotten due to miscommunication from ally financial regarding the status of my payment plan with ally financial. I owed XXXX in total to ally financial out of XXXX. I also realized this is a common practice this company under takes occasionally. Whenever I called their establishment I was given instructions as to what to do but yet they have no record, and all my account information such as addresses and phone numbers were out of date even though I got correspondence at the current mailing address and phone number I now use. What should I do? I feel as if they have committed a fraudulent act by misleading me which led to the said party repossessing the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief