BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this complaint against Mercedes Benz, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mercedes Benz. In XX/XX/XXXX during the COVID-19 pandemic, my vehicle was stolen and it took XXXX months to recover the vehicle. Due to COVID-19, Mercedes-Benz financial services agreed to defer my payments for two months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. Mercede-Benz is still claiming that I have this vehicle and requesting payments for the lease to the credit brueas. I have been trying to remove this debt with all three credit brueas for almost a year due to incorrect information that Mercedes-Benz Financial Services is claiming. I submitted documentation when submitting the disputes, which is an official balance letter with XXXX balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Product was sold on XXXX for a total of {$10000.00} on XX/XX/2021. Attempted to withdraw from PayPal to my linked bank account, but the transfer was denied. The entire amount of the sale minus fees ( {$9600.00} ) was then placed on a reserve for 180 days ( 6 months ). Additional documentation was asked for, which I provided, but the funds are still not released. The buyer has already confirmed receipt of the item and that it is in perfect working condition. This is unacceptable to hold the funds of a sale in which I have followed all PayPal policies in fulfillment and shipping. The buyer would be fraudulent in initiating a chargeback in the future because he has already confirmed receipt of the item and confirmed the working condition, so it is unnecessary to hold the funds to cover a chargeback. Cost of parts and XXXX fees can not even be covered because these funds are held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Consumer Financial Services Solutions, Inc.
State: TX
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX  XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Made an inquiry on my credit report on XXXX, XXXX, and XX/XX/2022. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo opened multiple accounts in my name using my social security number and a business line of credit using a tax id number without my permission or knowledge I have copies of multiple promissory notes with different dates with my signature forged in XX/XX/XXXX I have copies of bank statements with account numbers I did not open Loan applications forged with inaccurate information about me and or prior business I owned Unauthorized credit inquires in XX/XX/XXXX Multiple charge offs on my credit report Transfer of funds from existing account to unauthorized accounts and vice versa Request was sent to the irs in XX/XX/XXXX for a copy of my taxes Random bank fees and charges withdrawn from existing account without my knowledge or permission It appears there are multiple title insurance policy and claims Documents reflect a refinance of existing mortgage was done in XX/XX/XXXX without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX Wachovia and Wells have conspired and have performed three unlawful foreclosures Wells fargo used a shell company called XXXX XXXX XXXX XXXX to perform an illegal eviction in XX/XX/XXXX which I believe was to get rid of all the fraudulent documents. I've been able to obtain copies of somethings from multiple parties to show thier scheme. 

I am currently being haressed my computers have been hacked multiple times and my current home broken into where flas drives and documents were stolen. 

This is just a snapshot of the ordeals Wells Fargo and it's affiliates have put me through. It has been detrimental to me financially and to my health to me socially it has turned my life upside down etc

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I my auto pay had a problem and did not make the payment. I tried to contact but I could not get in contact with someone to help me. One I did it went to collections and no one wanted to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2021, I attempted an ACH transfer of {$4200.00} from my bank account to my Coinbase Pro online wallet. The money was taken out of my bank account, but it is still in a Pending Deposit status and was never deposited into my Coinbase Pro online wallet. I have had many other smaller ACH transfers deposited into my online wallet just fine, but this one has been over 5 weeks now and I still do not know where my money is!

After waiting a few days, I did open up a ticket with Coinbase Support, but still do not have a resolution and am still out this {$4200.00}! I did get a response from Coinbase Support a few weeks ago, but it appeared to be an automatic/ robotic reply and not an individualized or from a person, and plus the answer was something about me needing to owe or deposit even more more money to resolve the problem. What?!?!?!

I can provide my Coinbase Support case # if requested. Notably, I can actually see the deposit in my online wallet account under USD in a Pending Deposit status, but can not access or use the money and I am contemplating legal action. I am attaching a screenshot of my online wallet ( does not contain any identifying information ) that shows this one still in a Pending status. 
Please help as I am getting very frustrated! I also have the ACH transaction number from my bank and can provide that if needed. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion staff taking my debt off my credit report XXXX day and putting it back on the next day forcing my credit score to drop extremely low this is wrong and why the government is reporting that USA have very low credit report scores because of this type of unfair practice by consumers credit report companies

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 2021-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Continuously tried to setup min pymt due with their reps since XX/XX/XXXX, but kept getting billed for the full amt anyhow and the auto debit was screwing up my bank bal. I got frustrated with the back and forth calls to try and get this problem fixed and still not getting anything resolved. I don't feel that the late fees or interests incurred since XX/XX/XXXX should be my responsibility bcs of their negligence. But I was willing to pay the prev bal of {$170.00}, the annual fee of {$110.00} and the last purchase of {$19.00}, plus the fees that could not be waived, for a total of {$340.00}. But the last XXXX, XXXX # XXXX, said that I was only able to make this payment by phone or online on today 's date ( XX/XX/XXXX ) to satisfy my outstanding bal ; however, knowing how unsuccessful its been over call conversations, I asked for this suggested bal amt in writing but was unformed that it could not be done. Again, I'm willing to pay the suggested amount of {$340.00}. I'm just not trusting that Synchrony Bank would not bill me for the remaining charges later on ; thus adding on to the screw-up on my credit report that I've worked so hard to rebuild. Thank you

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 monetary relief
Consumer complaint received 2019-01-08
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've requested my XXXX  account closed several weeks ago, as far back as XX/XX/XXXX, remaining balance refunded back to me in the amount of XXXX. To date, the account is still open and balance still showing, nothing refunded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This is concerning my mortgage with Carrington Mortgage Services , LLC . I was awarded 18 months of payment from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They are paying a total of {$810.00}. I was informed that my mortgage payment will increase to {$1100.00} with a start date of XX/XX/2023. I have called the mortgage company on multiple occasions asking what this will mean for my forward payments from the HAF program, I have been given the run-around every time and no customer service representative knows what will happen going forward. The XXXX program will continue to pay the {$810.00} ; they have informed me that the amount can not increase because my mortgage payment is increasing. I need to know exactly what will happen each time a payment from XXXX is sent to Carrington Mortgage company as I do not want my payments to be returned. Will the {$810.00} be placed in a separate suspense account until another payment is made to complete the full payment of {$1100.00}. I really need to know what will happen going forward and each time a call is made to Carrington Mortgage the representatives give me a different answer each time. 
Please clarify what will happen to the payments from XXXX, will they be placed in a suspense account until another payment is made to complete the total of {$1100.00} Or will the payment be returned to XXXX due to it being a 'partial payment ' Please clarify, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: IL
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 recently challenged the Accounts thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
I have attached my ID to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: OneMain Finance Corporation
State: AL
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. 

1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) One Main Financial 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We found out in early XXXX that the company that we have our mortgage with, LoanCare, did not pay our homeowners insurance premium out of escrow for the 2022 year. We immediately contacted the insurance company on or about XX/XX/XXXX, XXXX XXXX, about whether or not they had received any escrow payments for the insurance. They notified us that they had reached out to LoanCare on multiple occasions over XXXX about the lack of payment and they said they never received payment or correspondence from LoanCare. We then asked XXXX XXXX for a new quote for insurance for XXXX and asked them to send that over for request of payment for the new homeowners insurance. LoanCare then paid XXXX XXXX XXXX for this new quote. We then received a letter on XX/XX/XXXX from LoanCare stating that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that they were planning on charging us an additional {$3600.00} for this time period. The lapse of coverage was due to their negligence and the amount is about {$1000.00} more than what we had arranged with XXXX insurance for that time period that they neglected to pay them from escrow ( as requested by XXXX XXXX multiple times with no correspondence back from them ). We contacted them to discuss this issue, the lady that answered was extremely argumentative initially and then stated that " oh wait I see that you submitted documents covering the dates needed, call back next week and it should be resolved ''. Today, we received an email from the company after business hours that they had dispersed {$3600.00} from our escrow account and does not show to whom it was dispersed.

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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, 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 noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of 2021. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a note in the mail from Transworld Systems , Inc. They claimed that they sent me a letter in the mail about a toll charge that was not paid in XXXX. I never received the letter because they sent the violation letter to the wrong address. I offered to pay the toll charge and they insist in charging me XXXX over the XXXX for not responding on the letter that they mailed to the wrong address. They don't seem to want to accept their mistake. My account with them has been put under dispute. I would pay the toll with no problem but a XXXX violation for not receiving a letter or knowing that my XXXX didn't ready when crossed the toll bridge is unacceptable. When you can them to try to solve the issue they are rude and disrespectful on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX of this month XXXX XXXX advised me that a credit card had been issued ( in the form of appreciation ) in my name, which I had not receive or had applied for. I immediately notified XXXX and was advised that an investigating would be started and that they would notified the three credit bureaus. I notified each of the credit bureaus and ask that a lock or freeze be placed on my credit file. I was notified by each that this had been accomplished. In XX/XX/XXXX of this year I had a {$19.00} plus credit card charge for Experian prime service that I had not requested. I paid the {$19.00} but called Experian and requested that this service be cancel. In XX/XX/XXXX of this year I was notified by Experian that the block on my credit file had been remove, my credit score was decreased and my credit rating had been decreased. Experian advised me that this was done because I had cancel my primary service. Since I had experience an Id fraud I certainly do not think this was appropriate. I do not feel that I should have to pay $ XXXX for primary membership to have my credit file block or feezed. I certainly do not feel that my credit score and credit rating should be decreased because I canceled my prime membership.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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