BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : MB FIN SVCS  XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Universal recovery corporation placed an account in collections from XXXX XX/XX/XXXXunder my name for a vehicle that I sold and submitted release of liability through DMV from and did not legally own at the time of the accident and are therefore not responsible for any of the towing or storage fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company is XXXX 's XXXX XXXX. The credit company is Comenity Bank. 
I set up an autopay for my account. When I contacted them they said that the information I put in the payment section was incorrect. I called my bank to verify that the info was correct. It was. So I went ahead, just in case, and re-entered the information. I paid the XXXX on the account. I contacted them via a message on their site to see if they would excuse the fee on XX/XX/22. I tried calling them, but I got cut off when I didn't click the right option because none of them applied to what I needed. On XX/XX/22 they sent me a response that the account was closed so they could not credit the fee of XXXX. I didn't see the message on their website until I received the statement in the mail that showed now my fees were XXXX. I went on their website and saw the message saying they could not give me the credit because the account was closed. I have no idea why they didn't email me or call me. They have both my email and phone number. I called to see if they could excuse the fees again. The response was that the account is closed so they can not credit the fees. My response to them was if the account is closed and you can not credit the fees how can you be charging the fees on the closed account. One can't work without the other. They would not credit the fees. It is not about the money, it is about the shady practice. I think they have done this on purpose to make money. Very troubling to take advantage of people. I also went to check their reviews, they are very low, so I don't think I am the only one who had had problems with them. Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I found my account locked. After calling I was told my account was being closed for risk. This happens after 5 previous calls that I had made because my transactions were being flagged for unusual activity and each time the agent on the phone would tell me that they have noted my account unblocked my cards and that I would have no problem using my cards. I told them I was trying to purchase cryptocurrency and they would tell me it should be ok now. But then immediately after trying to repeat the purchase my card would lock again. It wasn't until my 5th call that the agent told me bank of America won't allow cryptocurrency purchases. That is also when they locked my account and said they are closing them for risk. But had I been told on my first call about not allowing XXXX I would have not continued to try, but the agents all told me I was OK to redo the purchase. But now my business account and my personal accounts are all locked and being closed. These are my only accounts and all my money is in these accounts and to do this during covid is wrong. Also I have a ppp loan funds in these accounts. {$10000.00} of these ppp funds distributed to my personal account for 1 month of back pay owner compensation and 1 month owner compensation for month of XXXX. The other {$7500.00} is in my business account and ppp funds have strict time periods on when the funds must be used and I am using a 10 week covered period with this ppp. And bank of America closing my accounts with these funds in the account greatly affects my ability to abide to the spending for 10 weeks period for ppp forgiveness.

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 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When attempting to use my BBVA debit card to access available funds, through cash withdrawals or point of sale purchases, BBVA is arbitrarily blocking and denying payment. 

At the end of XX/XX/XXXX on or about the XX/XX/XXXX I went to a XXXX XXXX grocery store, money center to XXXX XXXX cash to my family who was visiting XXXX XXXX. I attempted a point of sale purchase to receive cash back to pay my move in deposit in XXXX Oregon. 

BBVA blocked each attempt I made. I tried once and it didn't go through so I tried again with a lower amount which also didn't go through. I contacted the bank and after a lengthy hold was informed that the transaction was blocked due to potential fraud. 

I verified my identity sufficiently and was told that my card was unblocked. I went back into the store and again attempted the transaction. My wife and XXXX children have been waiting at XXXX XXXX in a foreign country this whole time not knowing why the funds were unavailable. 

Again the transactions were denied so I called back. After waiting 45 minutes to speak to a representative she informed me that they had again locked my card due to possible fraud. 

So I asked her to remain on the line while I attempted the transaction and it was successful. After a mere 1 hour and 45 minutes the single transaction was complete. 

On XX/XX/XXXX first I contacted BBVA support letting them know that I would be making a large transaction in the next couple of days. I was informed that there wouldn't be any problem. On the XX/XX/XXXX I attempted a point of sale transaction at XXXX XXXX in XXXX Oregon to pay my rent. 

It was blocked ... I contacted support who denied blocking the transaction until I asked for a supervisor then finally acknowledged that they had blocked it. I called the branch where I opened the account and was informed that because they didn't have any locations in Oregon that they couldn't help me. 

I tried performing a transfer to another bank where I have an account and BBVA blocked that transaction as well. 

At this point I have spent numerous hours in contact or attempting to contact BBVA to  resolve this matter. I have been embarrassed at each location and this has damaged professional and personal relationships. This was caused by negligence or possibly even intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: CA
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 have been unable to log into my Equifax account since XX/XX/XXXX. I have had fourteen phone conversations with their staff, sent two on-line complaints, and mailed two hard copy letters with a four-page description of my attempts to resolve the problem. No matter how many times I change my password, I am locked out. They have been unable to connect me with a tech support person. Now, I am unable to reach them by phone although I pass all their information " tests. '' Their XX/XX/XXXX response ( which they sent to an old address ) to my XX/XX/XXXX complaint letter claimed they could not find a credit file for me ( although I bought a house in XXXX that required their providing my credit report AND I have copies of their credit reports on me ). I have received no response to my XX/XX/XXXX letter. 

This is slowing down my refinancing my mortgage, as I have had to send them a letter via USPS requesting that my credit report be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
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 reviewed my Consumer Reports and noticed that I had 8 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on time as they should be as I was NEVER Late. Thanks

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 2023-06-06
Company: Shellpoint Partners, LLC
State: LA
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:
Newrez LLC/ NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX  XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX It has come to our attention that SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC is our new debtor ( s ) as of XX/XX/XXXX in the year XXXX? 

Hello, we are your new XXXX XXXX XXXX. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also taking 10 times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC for your piece of paper ( Title ) in exchange for your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a new home in XX/XX/XXXX, and Chase is the mortgage holder. In XX/XX/XXXX, I received an escrow adjustment stating an increase in property taxes of {$3100.00}. In actuality, my property taxes for XX/XX/XXXX increased only {$27.00}. After numerous calls to  Chase, they admitted ( on a recorded line ) that they miscalculated the original escrow. They had only figured a half years taxes into the equation at time of closing. They are now asking me to pay an additional {$4000.00} in additional escrow. This would increase my mortgage payment by approximately 13 %, from {$3300.00} to {$3700.00}. I explained that this was Chase 's mistake, and I should not be asked to pay an additional {$4000.00} ( or a 13 % increase in mortgage payment ) because of their error. I have only been in the house just over one year ; this has significant financial consequences on my monthly mortgage payment, due to their mistake. I am asking Chase to fund the additional {$4000.00} in additional escrow that they require.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have been corresponding with XXXX XXXX since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from XXXX XXXX. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.

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 2022-03-18
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2018 American Honda Finance have an open loan in my name which I never apply for and never Finance any car with them. American Honda Finance has a balance amount of {$9400.00} account XXXX under my name which is Fraudulent. I have submitted FTC report and Police report to Creditor and XXXX already. I have submitted fraud affidavit to American Honda Finance and Creditor bureaus to report the Fraudulent account. I request that American Honda Finance provide me with the credit application and Identification that was provided at the Dealership where the vehicle was purchased. American Honda Finance refuse to provide that documentation. Instead they provide me with my Fraud affidavit that I have submitted to them to report the Fraudulent account. American Honda stole my information from the report fraud affidavit that I submitted so they can my my information with the credit bureaus so it can show a validation in the credit bureaus eyes and CFPB eyes that the account is valid. I NEVER NEVER OWN OR HAVE A HONDA VEHICLE. NEVER PURCHASED OR FINANCE ANY VEHICLE THROUGH HONDA FINANCE. I NEED AMERICAN HONDA FINANCE TO PROVIDE ME WITH ALL PAPERWORK I SIGNED OR ALL APPLICATION I SIGN AT THE DEALERSHIP THAT THE CAR WAS FINANCE FROM. I DONT NEED AMERICAN HONDA FINANCE TO SEND ME MY REPORT FRAUD AFFIDAVIT THAT I SUBMITTED TO THEM SO THAT I CAN REPORT THE FRAUD. I BELIEVE AMERICAN HONDA FINANCE REFUSE TO PROVIDE THE CREDIT APPLICATION THAT WAS SIGN DATE OF PURCHASE OR ALL APPLICATION THAT WAS XXXX THAT DAY BECAUSE THEY STOLE MY IDENTY AND MY INFORMATION TO MATCH IT WITH CREDIT BUREAUS. I AM ASKING CREDIT BUREAUS AND CFPB TO REVIEW THE CREDIT APPLICATION THAT WAS SUBMITTED AT TIME OF PURCHASE FROM THE DEALERSHIP THOROUGHLY WITH THE INFORMATION AMERICAN HONDA FINANCE WILL PROVIDE FROM THE DEALERSHIP NOT MY REPORT FRAUD AFFIDAVIT. IF NO APPLICATION FROM DEALERSHIP OR CREDIT APPLICATION FROM DEALERSHIP CAN'T BE PROVIDED. I AM ASKING FOR THIS ACCOUNT TO BE REMOVE OR DELETE FROM MY NAME DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I signed my mortgage loan on XXXX XXXX. I mailed my notice of right to cancel, on XXXX XX/XX/2019 by US postal priority mail express to Loandepot. It was received on by them the same day at XXXX Several days later I noticed that my old mortgage was paid off, contacted Loandepot to find out why they paid it after I terminated my loan. I was told that they did not receive my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The Capital One Account/XXXX XXXX XXXX debt of {$530.00} was paid on XX/XX/XXXX. 

XXXX XXXX XXXX/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: CORELOGIC INC
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct

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 2018-08-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian keeps dragging out this identity theft problem that I have had. There information is incorrect they say they never have received files. Its been a circus over there. They have had the police report the affidavits and any other information in regards to the id theft that happened to myself over 4 years ago. There information is very inaccurate. Seeing how my social security number wasn't even mine. They argue with me on the phone calls and make it impossible to get the stuff corrected. They keep siding with the 2 vendors left on my CR XXXX  and XXXX  showing no evidence of why.

They have a affidavit and a police report and they refuse to update and change my cr.

My credit score is in the tank because of them and my next step is legal action. listed are the documents in which they have had since 2015. This needs to be fixed now.

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 2023-12-11
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of collection from CBSA of a debt from XXXX XXXX XXXX XXXX in XXXX, Texas. However, I have not received services from that office. I have only been to one clinic in the past year and that was in XXXX, Texas, which has billed me for their services. I asked for an itemized receipt and that business was not listed on there. I took a closer look at the address to me, and they even spelled my last name wrong, but my name is correct on the XXXX XXXX XXXX XXXX. I tried to go to the website of XXXX XXXX XXXX XXXX, however, my browser detected that the website was not secure, and that scammers may be targeting my information. I also tried to go to the website of CBSA, but it was not working either. That is when I began this complaint.

Company response to consumer: Closed with explanation