BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX  of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. 

I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. 

There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. 

I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. 

Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. 

Best Regards, XXXX XXXX XXXX my XXXX tracking number is 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 2021-10-16
Company: FISERV INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I are seniors in our mid 70 's. On XX/XX/2021 we received a letter from a TRS Recovery Services purporting to be a collection agency asking us to pay {$110.00} for a debt they stated that they purchased from XXXX stores for grocery purchases that XXXX said we made at a XXXX store months prior in XXXX XX/XX/XXXX. They said a check was written by us but for no given reason was never cashed and that we still owed that sum. They quoted our check # XXXX in their rudely written demand. We immediately called our bank, " XXXX '', and found that we, earlier in the year, had used that check number. It was written to our local XXXX store for the amount of {$340.00}. XXXX fraud department sent us a copy of the check which XXXX had cashed the very next day. We have had no missing checks nor any incorrect statements from " XXXX '' for the 12 months prior to the TRS demand for payment. We immediately sent a certified letter to the TRS address attached to their invoice along with a copy of the cashed check written to XXXX. We said they were mistaken and we did not owe them or XXXX anything . We also attempted to call them and/or e-mail them at their listed street address in Georgia and their e-mail address from their original letter without success. Internet research has revealed many complaints about them from other unfortunates who have been made to deal with them. For the last three months we have had several phone demand for payment calls from them, only the first one have we answered. We have had additional requests in writing to pay them as well. To date they have not acknowledged our proof that the check they are quoting was written and cashed by another company nor do we know how they were able to quote one of our actual used check numbers. They stated in one letter to us that if we wished them to investigate their debt claim they would need additional personal information from us, as in Social Security numbers, photos of our Driver 's License front and back, police report, etc. These we would never provide to anyone. Our local overworked and undermanned police department of which our XX/XX/XXXX is an officer does not have time these difficult days to do police reports for every attempt at e-mail fraud that occurs against seniors. We and many others need assistance so that the threats these people make to disrupt our credit ratings can not so easily be accomplished!

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 2023-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: ALLY FINANCIAL INC.
State: CA
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:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, ally financial has been aware of this incident since 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 explanation
Consumer complaint received 2023-02-10
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I bought a car Mercedes Benz XXXX XXXX XXXX from Mercedes Benz of XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) on XXXX XXXX. In the process of buying the car, I purchase the following : - 1. GAP insurance {$1000.00} 2. Mercedes Benz maintenance {$2800.00} 3. Mercedes Benz Tire and Wheel {$2400.00} 4. Mercedes Benz Extended Limited warranty {$5700.00} 5. Mercedes Benz Windshield protection {$1100.00} 6. Total of {$13000.00} of extra service On XXXX XXXX The car was involved in an accident which is 100 % could of the other party and my car was totaled, I went and file the cancellation of the extra service and requested a refund however I am still waiting for the refund and haven't received any money that I have paid. Please advise if you can resolve this issue Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

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 explanation
Consumer complaint received 2021-10-15
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Todays date : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: FISERV INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
These people are off their rocker -- Basically telling me that they closed my dispute claim because either A, they didn't receive any supporting documentation from me, or B, the documentation I sent them wasn't sufficient enough... Being my documentation is more than sufficient, I'm going to go with A. If it's B, they need to explain how what I sent them does not support my claim, because it clearly does. This is not the first time this has happened with this company regarding disputes. Seems as though they're either incompetent, illiterate, or just don't check their email. All I know is, I'm getting sick of the same old thing every time I file a dispute, and then I have to go through this. They seriously need to step it up or I will be filing a complaint against them with the New Jersey Department of Banking & Insurance...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX  N. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
They advertise that I would get 6 months with no interest on any charges over {$250.00} that I make with the XXXX purchase and I have called several times to get this fixed as it is going on for over 45 days and they have not resolved the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have received 13 calls today from the following phone numbers stating that they represent Nissan Motor Acceptance Company Infiniti and are collecting on a lease turn in debt from XXXX. I called the number back and was told I have a bill for excess mileage, wear and tear, and taxes- its now XXXX. I have since leased 4 cars from Infiniti and have never had an issue with the leasing. This debt collector demanded my social security number multiple times and advised me that if I don't start paying {$200.00} a month that would " come for me '' and ruin my credit report. The rep name was XXXX, and I advised him to stop calling me you are not harassing me and not call me again. He stated he is not harassing me. The numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This was happened on Last Wednesday XX/XX/2022. PNC Bank has blocked/hold my wire account but main acocunt still shows available balance. Available balace shows XXXX since I went to branch try to get a cashier check. I was trying to fix the issue with my banker since last Friday after XXXX, and I called many times to customer services. No one knows what's going on untill teller told me yesterday, my receiving has a hold that to hold my whole account. 

All the transactions is familiar accounts from my familiar customers. Account has been hold/freeze without ANY NOTICE!! I did nothing wrong about my business!!!!! 

The situation is, because hold/freeze my account/money that effective my business and operating noiw

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: NRA Group, LLC
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: Problem with personal statement of dispute

Complaint:
This company 's response is a complete lie, I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.

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 2023-01-25
Company: EQUIFAX, INC.
State: TX
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
aBURNS, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX COMPANIES I XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
victim of identity theft, spoke to the bank and reported to me that to write my signature for 10x and emailed and called them so many time but never got any response at all no update or anything from the company

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 2021-10-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation