BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: Debt Recovery Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have notice two incorrect information on my report one for the amount of {$630.00} that was reported on XX/XX/XXXX under XXXX XXXX as original creditor, the address reported is not my correct address. and there is another one that i dont even know about and the amount 0f {$1600.00} that is appear to be a medical debt under coconut creek XXXX XXXX that i deffinetly know about. I'm fully insurance and have been like that for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 filed dispute with XXXX because account number XXXX is reporting inaccurate payment history does not match with other credit bureau 's amount XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has been billing me for insurance out of escrow since XX/XX/XXXX even though I provided proof of insurance of my own starting XX/XX/XXXX and the lender refunded the unused portion of the amount taken out of escrow since I no longer needed the lender placed insurance since I hand my own. I had coverage with XXXX XXXX XXXX XXXX Insurance company from XX/XX/XXXX - XX/XX/XXXX. Prior to the coverage expiring I decided to switch over to XXXX XXXX XXXX XXXX, whos coverage was to start XX/XX/XXXX - XX/XX/XXXX and they sent over evidence of insurance XX/XX/XXXX. LoanCare stated they didn't receive it so I provide the details over the phone to their insurance agent and emailed it to them as well. Then, without my consent, they sent a payment to XXXX XXXX XXXX XXXX XXXX XXXX of {$980.00} to renew that coverage which they received on XX/XX/XXXX. So, I had to contact XXXX XXXX XXXX XXXX XXXX XXXX to request that money sent back to LoanCare and I confirmed LoanCare received it via their insurance department. LoanCare then sent a payment of {$430.00} to XXXX XXXX XXXX XXXX, received on XX/XX/XXXX, even thought when I spoke to LoanCare 's insurance department, I advised them I am paying XXXX XXXX XXXX XXXX direct via autopay when I provided them proof of insurance over the phone when I was asked. I then had XXXX XXXX return that payment to LoanCare which was returned on XX/XX/XXXX. I have not missed a payment with either insurance copy. I have contact LoanCare several times to resolve this issue but keep getting the run around. At one point I was told by one of their agents that the {$25.00} charge was a payment to XXXX XXXX XXXX XXXX XXXX XXXX which was proven a false once I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed no such payments received. I have spoken with several of their agents and supervisors for assistance and they would either have me submit a escrow analyst request or submit it themselves but I get the same that I past due, which I supervisor confirmed that I'm not. I accepted an offer from LoanCare for a COVID relief forbearance, from XX/XX/XXXX XXXX, and per the terms " If you go into the forbearance past due then you will be reported as paste due ''. I was never past due before the forbearance and I'm not past due now. A supervisor had as well informed me they LoanCare is not familiar with the forbearance process and believes that is why they are saying I past due but no one knows how to fix it. Starting on XX/XX/XXXX that {$25.00} increase to {$160.00} for escrow insurance payments for XXXX, which is XXXX XXXX XXXX XXXX, who I already pay directly via autopay.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2020-01-13
Company: ALLY FINANCIAL INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was claimed to be a total loss. After XXXX paid my lien holder there was an outstanding balance that Ally Financial was supposed to pay to finish the payoff of my vehicle. After Ally Financial paid their part there is still an outstanding balance of {$380.00} ( 0.05 daily interest rate ). When I called Ally Financial they told me ( XXXX ) that the way they determine the payoff is NOT BASED ON WHAT THE LIEN HOLDER SAYS but rather they calculate based on my payment history. First : My payment history shows that I didn't only pay my monthly payment but I also paid additionally towards the principle. 2nd : I had 1 deferred payment during the life of the loan and Ally Financial informed they are not responsible for that amount and I didn't dispute it so I went ahead and made a {$700.00} payment. 3rd : I  asked the lien holder ( XXXX ) if my deferred payment effects in anyway the accurate payoff and she stated " ABSOLUTELY NOT ''. I called Ally Financial on XX/XX/2020 at approximately 1330 Hours and spoke to XXXX I informed him of the situation but he stated he couldn't help me I then asked to speak to a Supervisor, he placed me on hold and when he returned he told me that the Supervisor couldn't speak to and transferred me to the Supervisor voice mail ( XXXX ). I left XXXX a message in detail explaining the situation and asked him to call me.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX OF XXXX {$430.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$580.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX Original creditor : XXXX BANK {$780.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX {$2100.00} XXXX {$96000.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$4900.00} XXXX XXXX {$6200.00} XXXX {$800.00} XXXX XXXX  XXXX XXXX {$30000.00} XXXXXXXX XXXX  {$6200.00} XXXX XXXX  XXXX XXXX {$24000.00} Please be advised I have requested ''validation '' not verification of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX broke my cell that I tried to return several times within a 10 day period on the due to data phone calls not working that would be breach of contract then on XXXX day the XXXX store clerk dropped my phone and broke the screen I Said I want to return it now he refused he stated I can not return it with a broken screen I stated to the clerk you broke the screen still refused I called several customers service reps I called district manager still would not return the phone even though the contract for service was still in breach .credit report 2 I paid XXXX XXXX XXXX XXXX  bill that was {$290.00} I sent the online receipt with confirmation the stated it would be removed in 30 to 60 days in XX/XX/2022 still it has not credit report 3 XXXX XXXX XXXX XXXX for {$200.00} I sent them the new insurance paperwork from XXXX XXXX XXXX when they canceled the policy with XXXX XXXX XXXX XXXX and activated the my policy with XXXX XXXX XXXX but still proceeded to bill me for a little more than 2 months past cancelation with XXXX XXXX XXXX XXXX that XXXX XXXX personal canceled the policy with XXXX XXXX XXXX and no matter what dates or paperwork I send them they refused to take it off my credit report.that has cause many of credit problems with living situation being your credit is checked on everything now a days which because of my living situations because of this has caused many physical health issues and lots of unnecessary stress and 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke with ERC over a year ago and requested them to cease calls. I began getting calls again and on XX/XX/XXXX requested for them to cease calls. I told the rep I had ceased calls and told them mail only. He said I had not responded to the letters and that is why they were calling me. I again told him to cease calls. I just received another phone call from them XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an open complaint with XXXX XXXX. Since I filed this complaint against them I received a letter informing me they found my lost payment and applied it to my account. That was dated XX/XX/XXXX. Today. XX/XX/XXXX I receive a mortgage statement informing me that the amount due is now {$5000.00}. XXXX mortgage payments are missing. All of which have been paid. They are going to charge me late fees on money I do not owe and continue to ruin my credit with this unethical loosing of payments or applying them to the wrong accounts as they like to claim. How are they allowed to continue servicing mortgages when they rob us blind, ruin our credit and then threaten us with delinquency notices and more. How? I am so angry I am shaking. The stress caused by this company us affecting my health..please do something about them and help me get them to fix my mortgage. Who else do I need to contac

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/2023, I applied to lease a Mercedes XXXX from the XXXX. XXXX Mercedes-Benz dealership . The total value of the lease agreement was approximately {$120000.00}.

Despite my robust financial standing, including a XXXX  score of over 800, an annual income of {$340000.00}, and more than {$150000.00} in cash savings, my application was denied. Mercedes-Benz Financial Services USA LLC informed me that the reason for this denial was that I had not previously leased or purchased a car worth {$120000.00}. 

Subsequently, I was approved to lease a vehicle up to a value of {$92000.00}, despite my creditworthiness and demonstrated financial capacity to manage the initially requested lease amount. 

This explanation for denial raises serious concerns, given my understanding that it is not legally sound to gatekeep the approval of lease agreements based on a consumer 's prior purchase or lease history. It is particularly worrisome when an applicant, like myself, possesses a robust financial profile indicating their ability to meet lease obligations. 

I have reached out to Mercedes-Benz Financial Services USA LLC , seeking clarification and assistance regarding this matter. However, I have not been provided with clear reasons or satisfactory assistance thus far. Despite this, I remain hopeful that they will respond and address my concerns. 

Given the absence of clear financial impediments and the lack of satisfactory communication from Mercedes-Benz , I am left with an unsettling suspicion that factors unrelated to my creditworthiness and financial standing may have influenced the decision on my lease application. 

Based on these circumstances, I am led to suspect potential discriminatory practices, possibly based on my race or ethnicity. This suspicion has resulted in significant distress and a sense of being unfairly treated. 

The impact of this decision extends beyond mere financial aspects, causing considerable disappointment and anguish. I am seeking a comprehensive investigation into this matter, to ensure compliance with fair lending practices and regulations under the Equal Credit Opportunity Act ( ECOA ), which explicitly prohibits discrimination on several bases, including race and ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently sent a letter to Corelogic to place a security freeze on my Corelogic credit report. I downloaded the form, filled out my information, and sent in a copy of my driver 's license, my social security card, and a utility bill. But yet in the response on XX/XX/XXXX, they say in a letter that they are a reseller of the consumer report information maintained by the credit bureaus. But they have not placed a security freeze that I requested, and I know that they do place security freezes and give you a PIN. Still, they're claiming that they don't, so I'm filing this complaint so they can put a security freeze on my Corelogic credit report.

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 2021-09-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
gm financial is on my credit report saying i owe them XXXX and i have never bought or leased or even been on their car lot. i disputed this before and was given the run around. i wantedthem to produce some paperwork with my signature and never heard anything and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote this company stating my problems with the company multiple of times and they continue to not pay attention to my problems with the consumer report. They continue to report inquiries and transactions without my consent time and time again. Law 15 USC 1681b states the company have to have permissable purpose to report my information. I haven't given no written consent to report such information. Please remove such information off my 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 explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX OF XXXX Account XXXX has violated my rights. Or 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.

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