BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My account with mercedes benz financial account number XXXX have been charged an undisclosed amount of {$1500.00}. When I called up they told me it was for some attorney fees. 
The car was in a shady bodyshop who tried to scam me for {$8000.00} to release the car I was going back and forth with the bodyshop trying to get the car out. it took a few month time to finally settle with the bodyshop. Apprently XXXX financial was notify the situation and decided to get their attorney involved and tried to bill me for it. 

my account have always been on time payment and with no lates. When I called and ask them what the additional fee was for they say it was for the attorney fees. 

they never contacted me regarding hiring an attorney in either phone call / mail/ email. 
nor they have my authorization to charge that amount into my finance account. 

Origionally the attorney fee was {$350.00} posted on the account, XXXX month I looked it went to {$1200.00}. And today it jumped to {$1500.00}. 

please help me with this situation while these lenders are adding unauthorized and insane amount of fees to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Fraudulent inquiries and inaccurate account information

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 2023-11-15
Company: EQUIFAX, INC.
State: IA
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

They will not remove an unauthorized and unverified hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
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 the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to express my concern that US Bank is not being properly regulated. There appears to be incompetence, poor governance, and poor data controls.I was recently denied a mortgage ( refinance ) with the following explanation under the heading, Principal Reason for Credit Denial, " Status of Prior U.S. Bank accounts '' .This surprised me, as to the best of my recollection I briefly opened a savings account at US bank a long time ago ( I have subsequently learned from US bank employee XXXX XXXX that it was in 2012 ), to set aside some fundsfor home repairs. I then closed that account, probably after a few months. This was so long ago, I barely remember it at all. Yet apparently it was the reason for my credit to be denied.What is of even greater concern is the management of my personal data. When I attempted to find out about this account and why it caused my credit to be denied, none of theUS bank employees I contacted could find any record of my account at all. I spoke to my local branch ( where I had opened the account ) ; someone at the collections department ; XXXX who was at Customer Service headquarters ; XXXX XXXX ; and XXXX XXXX, the MortgageOperations Manager in Missouri. XXXX XXXX contacted the underwriter to inquire on my behalf, but got no information. Eventually his boss, XXXX XXXX, was able to find out that the account was from 2012, but could gather no further information as to how or why this influenced my credit denial. Each of these representatives of US Bank indicated to me that they had never before heard of asimilar situation.I am deeply troubled as to how and why the underwriter has access to account information from more than 10 years ago, that nobody from the bank appears to know anything about, and that I myself am unable to access. Where are my records, and who has access to them? Finally, it seems like negligence to me, that after US Bank approached me to offer me this mortgage, they did not contact me to notify me of the denial. All of the loan officers I dealtwith disappeared, and failed to respond to my attempts to contact them. I eventually found someone else at US Bank who was able to investigate, and he informed me that the loan had been denied -- this was subsequently confirmed via a denial letter. Surely this violates the basic principles of good governance for a financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I got a report on my credit that Credit Collection Services is still trying to collect an amount that I disputed. They never mailed or sent me confirmation of my dispute before reporting this on my credit report. 

I called on XX/XX/2022 I called at XXXX and was so frustrated this was on my report. I offered to pay it if they would just remove it. 
The company told me they can not remove it under FRCA rules which is not true so I was lied too. 
I explained the amount is wrong and I sent the original collector ( XXXX ) my declaration. I was told they never got it. 
Fact is the amount is wrong and I just want this removed from my report and fixed. I am attaching the declaration with this complaint showing the date. I can not have 2 insurances under MI state law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account closed in XXXX. Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom Capitil One dated XXXX XXXX XXXX  for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Credit Karma, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened up a spend account with Credit Karma. They denied several debit transactions that I attempted to make at XXXX. They advised me to make ACH transactions. I did. All of which they rejected, 3 days later. I incurred a return fee at XXXX and while I did receive my money back for two transactions. I have not received my funds back for the {$39.00} transaction. I made this transaction on XX/XX/2021. I have provided Credit Karma proof that they didnt release the funds to XXXX. My payment was rejected, I had to make a second payment, all of which I provided proof of. It is now 9 days later, 13 emails and 3 phone calls later. They will not provide me with the refund of {$39.00}. They continue to tell me that they will escalate my claim, this never happens. They then state that if the problem resolves itself, that I should let them know. I withdrew my remaining funds and intend to cancel this cardas soon as I receive my refund. I am simply asking for what is mine. They did not pay the merchant. They have not reimbursed me. This is theft. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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:
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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX  XXXX Balance : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. 
According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. 
Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? 
For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? 
The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! 
I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I send money to my family with moneygram XXXXXXXX XXXX and my family can't get the money. The day was XX/XX/. After that, I canceled the transaction, asking my money back. They asked for some information about me, and I sent them. I'm still waiting. Almost a month ago, neither my family nor I had the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, XXXX, & TRANSUNION. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621. 
This charge off is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXXXXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Collection agency continues to report an old outdated account on my credit file. i sent them a request to validate the account and they refuse to do so. The original credit card is so old it does not appear on my credit. i don't recognize this account nor ever having credit with them. Portfolio re-aged the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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

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