BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Mercedes Benz Financial Services
State: CO
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:
Account Number : XXXX Company Name : Mercedes-Benz Financial Services XXXX XXXX Credit Dispute XXXX XXXX XXXX XXXX, Texas XXXX This company has engaged in retaliation and fraudulently reported a late payment on my credit report which has impacted my ability to get a home loan as well as resulted in a {$4500.00} increase in my auto and home insurance policy. 

The vehicle in question was totaled in XX/XX/2022 and the insurance company paid off the vehicle in XX/XX/2022. I submitted an extra payment in XXXX to ensure that there was no gap between the due date of the next payment and the payoff by the insurance company. Despite my efforts, this company engaged in retaliation and reported a late payment in XX/XX/2022 which has ruined my credit. 

I have contacted all three credit bureau agencies to dispute this information and I also reached out to Mercedes-Benz which has shown no effort to try to resolve this issue. They even indicated that there was no way to email or communicate other than mailing a letter to dispute this issue. They sent a letter to me that clearly indicates the vehicle was paid off in XXXX but yet they're not willing to verify this internally or admit that they fraudulently reported this late payment. 

My concern is that if they fraudulently reported a late payment what will stop them from further engaging in fraud by responding to the credit agencies by claiming that the late payment was valid. In the meanwhile, I've been denied a home loan and I'm faced with paying an extra {$4500.00} in insurance costs until this fraud is resolved. 

In addition to requesting your help to resolve this issue, I need to know if there's any remedy for the financial impact of this retaliation. I got a letter from my auto and homeowners insurance indicated that my rates were substantially increased as a result of my XXXX XXXX that was impacted as a result of Mercedes-Benz fraudulently reporting a late payment. My score dropped from XXXX to XXXX specifically because of this fraudulent report. 

I am confident that this is fraudulent because I contacted the company over XXXX times between XXXX and XXXX asking them to refund my overpayment. They finally issued a refund of my overpayment a week ago which is further indication that there was never a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: DE
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:
WELLS FARGO IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! 
Wells Fargo KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! 

I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! Wells Fargo HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! 

WELLS FARGO TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! 

WELLS FARGO IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!

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 2023-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok I deposited a check that I got from an accident I was involved into my father in law account cause I didn't have any account under my name, I was XXXX, then the check went thru but few days after that they close his account and hold that funds, they told me they need to verify my identity but refuse to accept a social security or any ID they just verify this thru a phone line which I git I opened a phone line with my social and ID and they still.saud they can't verify me I called at least 20 times asking them for any advice on what to do I did all they asked me to do and still it makes no sense why I can't get my money back pleas help me resolve this I had no parents and my father in law was the only one helping me thru this I don't wan na mess him up he is so nice to me and now he's in a hole cause they hold these funds from his own monwy... thanks everybody ... i am XXXX the account the funds are on hold are on my father in law name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo Auto has an account on my XXXX Account which states closed and written off {$820.00}. This is not TRUE. This was my account I had with someone else however this account was paid in full not written off, Was paid at the end of the loan in good standing. Wells Fargo Auto loan even sent me a check for {$820.00}. So the account was not written off. I received a check for {$820.00} from them.

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 2022-11-15
Company: Berman & Rabin, P.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This debt was a business loan that was claimed to be forgiven by management it was then paid off through a personal loan and is no longer a valid debt. 


Called me more than XXXX times within XXXX consecutive days, Harassed me through XXXX  and/or XXXX, Called me to collect payment without clearly identifying themselves as debt XXXX, Contacted me even after I requested for them not to in writing. Debt amount : {$19000.00} Company : Berman & Rabin PA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Bread Financial Holdings, Inc.
State: PA
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:
on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2022-11-15
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have open an account with Citi Bank in XX/XX/2022 and funded with {$75000.00} via ACH transfer from my XXXX bank checking account in early XXXX. On XX/XX/2022, I initiated a transfer from Citi into my brokerage in the amount of {$50000.00}. The transfer was revered by Citi and the account got frozen. I contacted Citi and confirmed the activity, and my account was removed from " hold '' within XXXX XXXX. I successfully transferred out $ XXXX into another checking account. I initiated the same {$50000.00} transfer on XX/XX/XXXX. My transfer got blocked by Citi on XX/XX/XXXX again, and I lost access to my online banking. After contacting Citi fraud department on XX/XX/XXXX, I was told that my account for closed by Citi, and I may or may not receive my funds in the checking account of {$50000.00} by a check via mail. I did not receive any reason for this action, the bank did not have any explanation for the closure of my account. My funds of {$50000.00} have disappeared without any answers. Lastly, I opened a Citi account through a promotional offer and have kept my funds for 90 days, fulfilling all the requirements of promotion from Citi to receive a {$1000.00} bonus. No bonus was granted and my own funds have disappeared.

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 2022-11-15
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX patient and I had to send money ( {$70.00} ) for medication to my cousin, XXXX XXXX XXXX XXXX in New Jersey. Her number is XXXX. While sending the money via Zelle XXXX, I made mistake and typed XXXX and the money went to XXXX XXXX XXXX XXXX who lives in New York. 
I immediately called him and told about the error. He talked to his bank ( XXXX XXXX  ) and asked me to retrieve the money via my bank XXXX XXXX  XXXX XXXX ). 
I filed a claim and waited for 45 days and my claim was denied. My bank is asking me to contact the recipient and demand my money. I contacted him multiple times via text, even left phone messages but he does not respond. 
XXXX  XXXX XXXX says Zelle is a third party while the truth is they own it jointly with XXXX XXXX  and some other banks. I have spent hours making calls and visiting the bank but no one is willing to help. They do {$75.00} XXXX  business through Zelle only but do not care for my loss of {$70.00}. 
Please find attached 1- the proof of transaction, 2- proof of my text message with the un-cooperating recipient, 3-Bank 's denial of claim letter. Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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 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 2023-08-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2022-05-20
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning on XX/XX/XXXX, I received a letter from the Army & Air Force Exchange claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The Army & Air Force exchange also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the APY they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that XXXX did not coincide with the statements that Army & Air Force Exchange had been sending. On XXXX XXXX XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to Army & Air Force Exchange through the Treasury Offset program. However, the Army and Air Force exchange and XXXX has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with XXXX to update them that the account has been paid. On XX/XX/XXXX, XXXX sent a letter making false claims that the amount owed has not been paid off. XXXX has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The Army and Air Force exchange has failed to update this account and XXXX that it has been paid off by the method of Treasury Offset program. The Army and Air Force exchange has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the Army and Air Force exchange has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along XXXX. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the Exchange has contracted XXXX to continue sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: National Credit Adjusters, LLC
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: Investigation took more than 30 days

Complaint:
The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.

Company response to consumer: Closed with explanation