BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This will be the XXXX complaint filed on this same issue. Our loan is currently in the trial stages of modification. Shell Point continues to send our statements that contain personal financial information to an address that I have never been associated with. 
When I go online to review my statement it shows the last payment in the amount of {$1600.00} but my payment was in the amount of XXXX. I have also found unexplained charges in the amount of XXXX each. What is it going to take to get Shell Point to get in compliance? Where did the balance of the XXXX go? When I try to make an online payment, their system will not let me make my trial payment. The company is trying to make it difficult to complete our trial period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Mercedes Benz Financial Services
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
- I have converted my lease vehicle into my own three months before lease end date. 

- Sales dealer accepted a deal for XXXX including tax and all remaining payments in my existing lease. This is how all deals work when you try to convert a lease vehicle into your own, the Sales office will provide a quote based on the current payoff amount of your car. 

- We agreed and bought a vehicle. 

- Now the problem is Sales Manager ( dealer ) failed to pay all my payments to my current lease instead he paid only two payments. He was saying the contract is written in that manner, I checked all my contract papers. It is nowhere mentioned that I'm converting my lease vehicle into new. And also there is no financial document to say what is my current payoff amount and how much the dealer agreed to pay the existing lease. 


- Initially they paid two payments, they didn't ask Benz Financial services to remove turn in fee and extra mileage. I have called multiple to remove that as well. 

- I felt I have been cheated in this deal by not providing proper information, one payment which I need to pay to their own financial company and also my own car itself sold to me as a used car with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
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:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX XXXX  XXXX Account Number : XXXX 6. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : 1. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX I have never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2021-04-26
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was permanently limited recently. PayPal just emailed me You can no longer do business with PayPal Reference ID : XXXX without any explanation. In the first time, I asked for help in PayPal account. For sure, they just said sorry without any explanation, even though any chance to explain. 
I tried to recall what happened and searched all keywords about PayPal Limitation Meanwhile, Ive kept trying to contact PayPal customer service 56 times. They told me surely I had highly risk suspicion to deceive and theres no way to restore my account. They didnt tell me which policy I disobeyed. They told me i will able access to withdraw my money after 180 days. 
I checked in my PayPal the only transaction was by {$10000.00} in XX/XX/XXXX of 2020. 

For along time I was working for a company in Arizona but I m from NJ. 
That company provided good benefit and after covid19 came I lost my job. 
I was thinking about the best place to put my money and try to made a business. 
My friend recommend to me use PayPal because is Safe for everything but after I received my money my experience has been really bad. 
I dreamed with start my business with this company But i m really feel hurt. 


In the las year I had hard time for resolve all my financial problem because after wait 6 month and i try to withdraw my money I couldn't. 

I have a family. my wife with XXXX pretty kids. The life here is expensive. 
My question is, is PayPal thinking about family support when they hold the money for 180 days? 
In XX/XX/XXXX, XXXX when I received the email for withdraw funds, I try many attempts but all time was failure. 
Right now is almost 9 months and my PayPal Account don't have any dispute or Chargeback. If I tried take out my money 3 months ago why they didn't help me if I made the request to that department?. That why one of PayPal agent made me a request to Backoffice department to help me made a Manual Withdraw in my account with specify all detail, but the request never was responded by that department. Instead the system put another limited for 180 days.

Now they said another limitation for 180 more days. That is really crazy how that system work and made the policy of company contradiction. 
That why I feel really frustrate when nobody want help me. I need support with my family and my babies, they are not wait XXXX  for eat milk, bread, eggs, Need paid School, get gas, etc., Medical bills.

I pray to get somebody want help me with my case. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am seeking online access to the my wife 's estate account. I have asked several times for this online access, and filed a previous complaint ( XXXX ), when they would not provide any information to me regarding the mortgage account. 

I am the designated successor-in-interest to the mortgage account and XXXX XXXX Senior Vice President , Mortgage Servicing, assured me that I would have access to the account, however, I have been unable to get online access. I am a PenFed member and have a Penfed checking and savings account in my own name. 

Penfed 's policies are in direct contravention to Regulation X ( CFR 1024 ), regarding successor-in-interest.i.e., Servicers are required to maintain policies and procedures that are reasonably designed to achieve the following objectives.1.Accessing and providing timely and accurate information. ( 12 CFR 1024.38 ( b ), and ( f ) Upon notification of a borrowers death, promptly identify and facilitate communication with the borrowers successor in interest concerning the secured property. 

Penfed 's policies in denying online access to the estate 's mortgage account are in direct contravention of the requirements of Regulation X.

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 2021-04-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a account with Home DepoXXXX who was funded by Citibank. I had made a couple of late payment from XXXX XXXX from XXXX due to lossed hrs at work but always paid. So l started making extra payments starting XX/XX/XXXX Im amount of {$160.00}, {$320.00} on XX/XX/XXXX and called to make {$120.00} on XX/XX/XXXX. I visited Home Depot to make a purchase and it was declined, knowing l had available funds to purchase. From there l called in to make another payment of {$120.00} on XX/XX/XXXX ( but didnt cause l was informed of my account was closed ) to an automated system for payment for it to inform me that my account was closed on XX/XX/XXXX. I was confused and aggravated. I reached out to customer service rep named XXXX on XX/XX/XXXX to ask was why was my account closed and she stated that she didnt know because she saw were Ive been making payments, XXXX researched because she didnt know why, then directed my to XXXX  numbers @ XXXX, XXXX, XXXX, XXXX, XXXX, went to customer service rep XXXX id # XXXX all on this day totaling XXXX hrs and still no answers why they closed my account! So l called next day XX/XX/XXXX and spoke with XXXX and others from XXXX pm est to tell me it was closed and they dont know why. I NEVER was informed of my account closed not once and they called every month for payment which l paid as if it was still open. All these calls were recorded. I was humiliated, misused, aggravated and l stated they had committed negligence on behave of my account and l would be suing and not making anymore payments until further notice. I have billing statements starting as if my account was still active, interest and late fees still occurring even after account being closed for more than XXXX months of me having no knowledge. I contacted a attorney and advised me that this indeed was negligence on Home Depot/ Citibank behalf. I didnt pursue the attorney due to job hours and COVID 19. Now the account has been sold to XXXX XXXX now XXXX XXXX and l was contacted by XXXX @ XXXX ext XXXX on XX/XX/XXXX l stated what happened and Im taking alternative actions for this matter. Can you please help because this is not in compliance with the Fair Credit Act

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 2023-08-27
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX  XXXX XXXX XXXX XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or without demonstration, asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

I've sent my letters to the consumer reporting agencies since XX/XX/2022 ( XXXX, XXXX, XXXX, and Experian ) but I hesitated to send directly to XXXX  XXXX because there are two different addresses on the credit report, and I wasn't sure which address is accurate. However, I am aware that all challenges and complaints are to be forwarded to all parties involved with the reported account in question. 

My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX  XXXX XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. I've marked several deviations from the compliance standard. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that XXXX  XXXX may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. Again, please take note of each letter I've sent that proves the Metro 2 " Mandatory '' standard has not been followed. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX  XXXX XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-10-05
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sold a home almost 7 years ago and the buyer took over the security system contract. Both buyer and I ( seller ) provided this information in the original contract. A company with multiple complaints with the Federal Trade Commission ( Zion Debt Holdings ) has recently started harassing ME about this debt with the company Vivint. Ive produced documentation and asked them to STOP contacting and harassing me, even after I put it in writing to stop harassing me because I do not owe the money. Their employee name XXXX keeps contacting me via text on my personal cell phone. I am a busy doctor and she wont stop contacting and threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Activehours
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XXXX claims their sole purpose is to reduce or mitigate overdraft fees. Upon complaints from other individuals they have successfully reached out to several in regards to having overdrafted them when funds were not in a positive balance. This clearly goes against what this company stand for as far as their business motto goes. By offering consumers a pay day loan and continually reducing the amount a consumer can receive back also shows they do not care about their consumers and only further the benefit of even having the payday loan. They further hurt the consumer without regard to their financial wellbeing. I suspect I am not the only one who feels this way. I suspect more are suffering financial abuse by XXXX. 

XX/XX/XXXX : XXXX debited XXXX from bank account. Credit issued of XXXX XX/XX/XXXX : Advised unable to pay loan due to having XXXX XXXX off and the amount will end up with overdraft fees. They rescheduled payment to XX/XX/XXXX. 

XX/XX/XXXX : Account in negative standing after payday XX/XX/XXXX. XXXX in bank. XXXX took XXXX. Unable to retrieve funds back until account is XXXX. Reduced pay out amount. Reduced from XXXX to XXXX. Account will receive overdraft upon finalization of pending transaction. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + XXXX, In a recent check of my mail I see there is a collection account from XXXX saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXXXXXX XXXX  credit card I am current on making my payment I sent in the mail ACH payment and electricity. Capital one I make payments and they never want to acknowledge that I qualify for a platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It won't let me save any of my credit cards and it won't let me transfer any money or withdraw any money and I'm already picked them up identity theft so and other people are hooked up to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: National Collection Systems, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email from National Credit Management on XX/XX/2023 concerning a {$330.00} debt that they stated I owed. The XXXX XXXX XXXX XXXX XXXX XXXX placed a due balance of {$260.00} in their office for collections. However, the {$260.00} was paid on XX/XX/2023. National Credit Management and the XXXX XXXX XXXX XXXX XXXX XXXX both acknowledge that the {$260.00} was paid, but are requiring me to pay a {$66.00} charge, which is wrongly being put on me instead of the XXXX XXXX XXXX for mistakingly taking this to National Credit Management when it was already paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation