BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Mercedes Benz Financial Services
State: NY
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:
Mercedes Benz lease was a corporate lease that ended in XXXX. 

A late payment was reported due to no fault of my own since they lease was paid by the company and not by me personally. This late payment is XXXX XXXX XXXX and dates back to XX/XX/XXXX. It must be removed since it is impacting my credit score. 

The lease balance outstanding was not charged to the lessor, the company that initiated the lease but was charged to me when the vehicle was a XXXX XXXX all electric vehicle with a lot of engineering issues and had to be flatbed to the nearest dealership each time. The break down incidents happen frequently and averaged 6 times per month. Thus, the vehicle was discontinued in XXXX and when the lease was returned in XXXX, the vehicle was scraped since it was discontinued and not sold due to frequent mechanical failures. 

I should not be charged the lease balance resulting in excess milages due to mechanical malfunctions since I was not the lessee. Please remove such balance fron my credit report. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This complaint is on behalf of numerous customers who have loans with security finance in XXXX ga. Specifically the branch manager a Ms XXXX XXXX has used threats of legal action, legal charges being pressed against consumers and garnishment as a means of collections. When making collection calls This employee suggests and eludes to the fact that this matter is one of an urgent nature about a business matter in XXXX County and the customer must contact a Ms XXXX before XXXX, leading people to believe this is a legal matter involving police. This manager has forced optional insurances on consumer loans and told customers they are required by the state of ga and they must accept them in order to get the loan. This manager discloses personal details to third parties regarding accounts of customers. She has continually called references and places of employment under the pretense of verifying a past due customers employment and then asking who is in charge of payroll and garnishment and who would she direct such documents to. This type of collections lets a third party know that the employee / customer she is calling about is potentially facing a legal issue or possible garnishment of his or her wages.

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 2022-07-26
Company: EQUIFAX, INC.
State: FL
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX {$610.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} 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 2023-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My account is with Bank of America. On XX/XX/, I received a wire transfer from a colleague of mine for {$100000.00}. For the next 3 days I was able to receive money from my account without any problem. On the morning of XX/XX/ I went into the XXXX XXXX and withdrew money from the account with no problem but that afternoon I went in to the XXXX branch to withdraw a far lesser amount and I was told that I could not get my money and to call a number. I called the number and I was told that my account was under review. Upon hearing this I was outraged but inspire of my protest and pleas for an explaination I was only told that they had the contractual right to hold my money for 3-5 days. It is now day 8 and BofA still has my money. They never provided for warning an explaination or a call. In spite of my continued efforts to call them, speaking to worthless supervisors, I have simply been told my account is under review. I was told by one of their staff to go to the remitting bank which I did on XX/XX/ and I had them call the bank and send emails for 2 hours along with the gentleman who wired the money. In spite of that and having BofA speak to the man who wired the money they have yet to release my funds. They have damaged my credit and credibility due to creditors and bills that can not be paid. I had planned an outing with my family but I could not due to the fact that I could not access my money. I want my money released immediately and the process changed.

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 2018-04-17
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Selene Finance Customer service for help with changing my homeowners insurance company mid term. I was told that the new insurer would have the necessary information to reach the right department to get the new policy paid. The new insurer mailed the policy documentation and an invoice to be paid from my funded escrow on or about XX/XX/XXXX. Selene did receive the invoice but took no action from mid XX/XX/XXXXuntil XX/XX/XXXX when I made a call and insisted on being transferred to the insurance department. There I was finally told that I had to cancel and receive a receive notice from my old insurer prior to them paying the new policy. I did not want to do that and I verbally expressed to the insurance rep that I did not want to cancel my old policy before having the new one paid. After going back and forth for some time I finally called the old insurer cancelled my policy as of XX/XX/XXXX( the effective date to the new policy ). Selene advised that they would then pay the premium. If they had paid before XX/XX/XXXX I would have still had coverage. Selene DID NOT PAY THE PREMIUM within the 45 day period and I was left without homeowner insurance coverage. I received a notice dated XX/XX/XXXX that my new policy was cancelled due to non payment. I called Selene insurance and went from agent to agent for 2 hours before being told that there was nothing that they could do. They suggested that I call the insurance company back to see if they could reinstate the policy. They could not. They offered to write me a brand new policy for the exact same coverage was now {$3100.00} because I have had a " lapse '' in coverage. My original policy from XXXX was {$2700.00}. The new policy I was switching to at XXXX  {$2300.00}. I called that same manager back at Selene if they would pay the difference as they were at fault for causing the lapse. They would not. I did not choose the servicer for my loan. I wish that I could say that this an insolated incident, but I have never received a satisfactory response from this company no matter how small the matter. I can not not see how they continue to keep servicing FHA and VET loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
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 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 2023-01-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I had entered directly into a payment agreement with XXXX XXXXXXXX as my account was 30 days past due, and I was promised that my account would not be reported any longer as late or past due amounts to the credit reporting agencies as long as I was in the program. The account should not and never have been reported as late as of and after XX/XX/XXXX. The account was NOT charged off and I had paid as agreed and paid the amount in full prior to the end of the payment agreement program. 

On XX/XX/XXXX XXXX XXXX had sent me a letter explaining that they would " re-age '' the account after the past due balance was paid. It is my understanding that RE-AGAING is ILLEGAL, and that they had promised me and also written such terms to me that they may not have legally been able to provide to force me to pay the debt. 

In a prior dispute in XX/XX/XXXX, XXXX XXXX was found to be reporting the incorrect information and they were only able to go back according to XXXX XXXX for one year in their records to correct the late payments that they had promised me they would remove via multiple phone calls. The credit report was corrected with XXXX XXXX reporting of inaccurate information, but the reporting of incorrect information was still not accurately reported. I have sent multiple letters to XXXX XXXX and they have reported incorrect information and illegally promised me to re-age.

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 2023-04-16
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
One Main Financial has an auto payment that they only control. Their website say manage payment options but doesnt allow the consumer to control their own account. I have had to cancel my payment accounts but kept getting overcharge fees and returned checks. One Main states to call them directly and make changes. I have agreed that their manage payment options is misleading. The consumer has the right to manage there accounts and not always having to call to make changes. Then when you set up autopay they keep withdrawing until they get their money which has lead to XXXX dollars in returned checks. I have never authorized multiple attempts. They remind me so much like how XXXX XXXX controled the payment options. This is abuse and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Convergent Resources, Inc.
State: FL
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:
XXXX & Convergent Outsourcing has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to officer XXXX  of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and Convergent Outsourcing has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.

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 2020-06-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called and received balance and thought I paid this account in full, I paid the amount stated over the automated system. When I received my next bill there is a fee : {$0.00}. 

I called customer service spoke with XXXX, it was available or just just didn't apply when I inquired and paid off this account. She assured me once I paid the {$0.00} there were no more charges. 

She could have removed the fee its under {$1.00}. 

Wayfair / Comenity is one XXXX  XXXX XXXX XXXX of a company with fees and charges. 

I ASK FOR BALANCE DUE AND WAS GIVEN THE AMOUNT I PAID WHT SHOULD I BE RESPONSIBLE FOR THE NO GOOD SYSTEM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS AND WENT ON MY CREDIT REPORTS ANYWAY. 
HELVEY HAS VIOLATED THE DOOD-FRANK ACT AND NOW WILL BE SUED IN CLASS ACTION EFFORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}

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 2022-03-11
Company: WELLS FARGO & COMPANY
State: FL
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:
While checking my credit report, I notice an account from Wells Fargo Bank, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Wells Fargo Bank is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$5600.00}

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