BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Mercedes Benz Financial Services
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I just got off the phone with XXXX. I put in a complaint on XX/XX/04 with the CFPB in reference to a late payment that was reported to my credit bureau in the month of XXXX, I was on auto pay from the beginning of the lease MBFS is claiming they tried to take out the deferral amount in XXXX and that it was returned insufficient funds from chase. 

I sat down with my banker who printed out the last 3 months of my statements and it does not show mercedes benz attempting to withdraw any funds from my account for the month of XXXX. My banker stamped the statements to show there must have been a bank error therefore i should not have been reported to the credit bureau as late. 

XXXX told me to attach the supporting documents and i also am attaching the paperwork forwarded to the CFPB I hope this resolves the matter and i can remain a statasfied and proud Mercedes Benz XXXX XXXX! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have requested that M & T Bank update my new mailing address to : XXXX XXXX XXXX XXXX, NJ XXXX. M & T Bank ACKNOWLEDGED my request, but CONTINUES to send correspondence to my OLD ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX. Thankfully, the United States Postal Service is forwarding my mail to my new address, otherwise, I may not receive any mail from M7T Bank. In addition, M & T Bank refuses to send me an updated bank statement that DOCMENTS ALL of my most recent transactions. I am requesting your immediate assistance.

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 2019-07-26
Company: CURO Intermediate Holdings
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX SPEEDYCASH.COM XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX SPEEDYCASH and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXXXXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX  XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX  has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer of {$930.00} from my XXXX account to my XXXX account ( which uses Wells Fargo as their partner bank ) on XX/XX/XXXX at XXXX XXXX. I did not know of the maximum XXXX wire transfers a week rule, so this was the XXXX one and it was declined by XXXX on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX informed me that it actually declined the next day XX/XX/XXXX at XXXXXXXX XXXX and that within XXXX hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXX bank first on Friday XX/XX/XXXX and again yesterday XX/XX/XXXX and they verified it had not been sent yet as of XX/XX/XXXX. They told me to ask XXXX for documentation showing they sent the wire back and XXXX refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in XXXX hours, we are way past that now. I reached out to Wells Fargo customer service today XX/XX/XXXX and they were no help either. The lady kept cutting me off and asking me if I had a Wells Fargo account. I told her multiple times that this wire transfer was made via Wells Fargo, I used their routing number and my account number provided by XXXX. Neither XXXX nor Wells Fargo is assisting me in any manor to find out what is going on. I need a resolution on this ASAP!

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 2023-05-26
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:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. 
Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
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 according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt on XX/XX/2020. I was told that I could pay XXXX which i order XXXX and that the XXXX was sufficient to close the account and to receive a paid in full. Before, I paid for this I specifically asked that I would be receiving an email stating this. She said it would take 48hrs for me to receive this. I called again on XX/XX/XXXX since I never received an email. The lady that I spoke to said that she would request another email sent to me. On XX/XX/XXXX or XX/XX/XXXX I called again since I never received anything. I then spoke to a representative by the name of XXXX XXXX and she said that she would request another email since it didn't show on her end that anything was sent. I called again today, XX/XX/XXXX on the update since I haven't received anything. I spoke to a lady by the name of XXXX XXXX who said that I could request another email being sent. I told her that this was unacceptable then she backtracks after I asked to speak with a manager that an email was sent on XX/XX/XXXX, which was a lie since I haven't gotten anything from this company. I then asked to speak with her Manager/Supervisor. XXXX XXXX, the manager, then asked me if I wanted to request another email. I told her no, that it has already been 6 days, She then backtracks and says that it takes 30 days, but just minutes before she confirmed that it would take 48hrs max for me to receive this. These folks are telling people false information from the get go. I then say, well how come every representative i spoke to including yourself stated that it takes 48hrs. She backtracked and said that the information her representatives is not true, but prior to this she stated the same 48hr rule. These guys are as unprofessional as it gets and I would want my money back if not that letter.

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 2017-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, XXXX, Citibank closed by account XXXX XXXX XXXX XXXX without properly notifying me , even though Citibank is able to do all or any of the following to contact me : 1. By telephone at the number they have on record. 
2. By regular mail at the address they have on record. 
3. By sending a secure message through Citibank Online system. 
4. By email to the email address they have on file. 

I did not know about it until I received a XXXX credit monitoring alert on XXXX XXXX, XXXX. The account closure resulted in a decrease of my credit score with XXXX, XXXX and XXXX. 

On XXXX XXXX, XXXX, I called Citibank and asked to reopen the account. Citibank representative did not agree to reopen the account without running a new credit report even though I was a Citibank customer for 20 years and Citibank has first-hand knowledge of my credit practices and payment history. Accessing my credit report again by Citibank could have resulted in further decrease of my credit score.

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 2023-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX XXXXXXXX Date of inquiry : Please remove XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
XXXX. The inquiry was XXXX XXXX not authorized Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
My vehicle was repossessed last Friday, XX/XX/XXXX without ever being contacted from Westlake Portfolio Management. I came out for lunch and the vehicle was gone. I contacted them and they told me the last time they called me was in XXXX. I have contacted them many times after I saw on the news that American Car Financial was taken over by them. I never received anything from them advising they took over. When i asked, they said American care Financial was suppose to contact their Clients. They had no answer why I was not notified prior to the car being picked up. I have been at a inconvenience, XXXX XXXX, had to walk that day over a mile, take multiple XXXX to get to work and my grandkids not being able to get to their bus stops for school. First they told me, I would have to just pay {$1000.00} and I told them I was going to file a complaint because I have to be notified prior to a repossession and given the right to cure and I was not. Then they said I need to pay {$640.00}, which I paid on Monday, XX/XX/XXXX. It is XX/XX/XXXX and I am still getting the run around with them saying the paperwork is not processed yet. The Repo place just put you on a automatic long hold, XXXX. I have been holding for 2 days. They indicated they have not received anything from Westlake portfolio Management. I just contacted them and was told they will forward the paperwork today and to contact them back later. I have never received a call, email or letter from Westlake Portfolio. I am very angry at the whole thing, they have no regard or answers as to why the vehicle was taken without any contact or notification to me. When asked they go silent and start talking about something else. They should be made to bring it back to me, refund the payment I made and waive payments due to the inconvenience it has caused. they said they were going to send paperwork out today when I called, but its way after the fact..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Several on going problems with the PNC banl rather than put my health in any way at risk by formal or whatever type of complaints would rather speak with corporate pnc customer service than immediately over assume the situation that the bank stole my money or had fraudulent workers misrepresenting the bank which has resulted in thousands of dollars of potential unrecoverable or payable total loss financially and put mt health at risk when corporate may be able to fix once they look internally about bank representatives pretending to represent pnc and mislead me to gain account information and access which has been reported to pnc bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
see case number XXXX including the company response and my feedback ; I want to discuss further with the Ombudsman at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Mr. Cooper Group Inc.
State: VA
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:
Nationstar/Mr. Cooper shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with XXXX, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had two credit cards with Bank of america for over 13 years ; one master $ XXXX limit and one Visa also $ XXXX limit. 
* The master card one, i only use it to maintain the account open, no usage in the last couple of months. 
* The visa card, I only use it at two locations, my employer cafeteria ( average {$7.00} per day ) and XXXX once-twice a month. 
Bank of America suddenly have revoked both of my accounts at the same time, with the reason of " irregular transaction activity ''. Knowing that I don't even make many transactions, I have questioned BoA for further explanations, however they claim not been able to explain to me any further due to their policy which of are not available to customers also according to BoA. 
This was escalated twice up to credit department customer solutions upper management who have told me that reasons would be available only through subpoena file in court.

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