BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by Credit Acceptance, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months Credit Acceptance reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from Credit Acceptance. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX is basically taking the word of Credit Acceptance because  they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.

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 2021-09-13
Company: Vehicle Solutions Corp
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: Account status incorrect

Complaint:
This company statement is deceptive and misleading. This company has violated rules FDCPA and FCRA. This company states that I made a payment on XX/XX/2021. Per my loan agreement my payments are due on the XXXX of every month. On XX/XX/2021 I made 2 payments totaling XXXX which meets my contractual obligation. This company continues to indulge in malicious intent by locking my account and stating that only a manager can process a payment. I have made several attempts daily to speak with only one manager that can process payments and unlock my account. The staff mainly speaks XXXX and is insanely rude and unprofessional. I have phone records to validate the timeframe of my calls. This company continuously engages in deceitful practices and intentionally makes it difficult to submit payments which is creating stress and is causing final harm to myself. I am requesting for Vehicle Solutions to provide accurate documentation that I have consistently submitted payments beyond 30 days late. Additionally I am asking for Vehicle Solutions to stop the deceitful practice of locking my accounts from on time payments. Also remove this false / inaccurate information from my credit report and provide a complete and accurate payments for all payments submitted for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have contacted Transunion numerous of times to resolve this incorrect information on my credit report. i have filed police report with the XXXX county police department. I have yet to come to a resolution to this miss information on my account. The following information is listed incorrectly XXXX Accounts, XXXX XXXX  and the following addresses are incorrect XXXX XXXX  XXXX XXXX, GA, XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the following inquires 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 explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
As a preferred rewards member with Bank of America, I've received numerous offers for opening a XXXX XXXX brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX  EST on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have consistently been charged interest incorrectly on my Amex card. Each month for the past few months they have incorrectly calculated a balance due to interest ( I have a 0 % promo active ). I get charged interest, I contact the company and point out the mistake, and then they apologize and reverse the charge while promising it won't happen again. 

After 3 consecutive months, I'm fed up with the back and forth and so am submitting this complaint. The worse part is, I have made multiple payments each month, and they total to above what the alleged balance subject to interest is - and yet that balance stays the same each month, continuing to trigger an interest charge that has always been incorrect

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: Mercedes Benz Financial Services
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about the following account with Mercedes Benz : XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, the company I am a XXXX XXXX for ( XXXX XXXX XXXX ) purchased a vehicle at Mercedes Benz XXXX of XXXX. At the time the dealer was made aware this was a corporation purchasing a vehicle and the dealer told me since I am one of the XXXX XXXX, I would need to sign as a representative of the company, however the account would not show on my credit report. 

So the contract I signed stated the buyer of the vehicle is the corporation ( XXXXXXXX XXXX XXXX ), and there is no co-signer or additional borrower. 

Fast forward XX/XX/XXXX, the account is showing on my credit report and also it is reporting a late payment for XXXX XXXX, as somehow the company book keeper had problems accessing the online account. 

Now this has destroyed my perfect credit. XXXX did not send me any notices about this either stating they will be reporting adverse information to my personal credit report. 
My company has every intention of paying on the vehicle, however, there is no contract between myself and Mercedes Benz Financial. 

Due to this I am demanding that the late payment or the entire account be removed from my credit report. 

I do want to resolve this matter amicably, however, if this matter is not resolved, I will file the attached arbitration demand to get this matter heard by XXXX arbitrator. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Westlake Services, LLC
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a student at XXXX XXXX XXXX XXXX, in NC. I had my first car purchase financed through XXXX XXXX XXXX. I have been a customer with them since XXXX, XXXX. I recently refinanced through XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to refinancing, I received a check from XXXX XXXX for an amount of {$70.00} on XX/XX/XXXX. During this time, I was also waiting on the arrival of my student financial aid check ( state ). It turns out I accidentally put in the wrong banking information for my check to be direct deposited into. I put the account and routing number at the bottom of the {$70.00} check that they sent me. Below I attached an image of the check to see the banking information. I also am attaching an email confirming the trace of my student check, showing that it indeed went into that account, which I was told was a business account. Once I realized I put in the wrong information, I immediately changed it momentarily, however I was too late. I reached out to the school and was told that since I put in the wrong information, I authorized the check to go into that account and that there was nothing they could do. So I decided to call XXXX XXXX, which is the bank that XXXX XXXX with, and they told me that they could not just take the money out of their account, even if it was a mistake and didnt belong to them. After that, I decided to take it upon myself to contact XXXX XXXX. I filled out several requests to speak with the CEO, but never heard anything back. I spoke with several customer service representatives, trying to explain the problem, but I had no help. I was told multiple times that Id be called back, regarding more information, but never was. Finally I talked to someone who seemed to understand the situation and he told me that I would be receiving a check with the full amount of my student check which was {$940.00} in 21 business days. I asked for his extension in case I had any problems and he gave it to me. It has now been 28 business days, and I called the extension to speak with him to see if he had any information on when it may be arriving, and the telephone operator told me that it was an invalid extension. The amount of {$940.00} was deposited into XXXX XXXX  on XX/XX/XXXX. I was supposed to receive this check to help pay for my school expenses. I had to take out of my own pocket, during this pandemic where I was left jobless, to pay for these expenses myself. This bank treated me and my situation very poorly when the money wasnt theres first to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicing was switched to PHH Mortgage on XX/XX/2021. Since that time, I have not been able to pay my monthly payment through their website or app. The only options available to me have been pay-by-phone and Western Union. The problem with this is that both of those options cost me an additional fee ( ranging from {$7.00} to {$17.00} per transaction ) as well as both being much less convenient than paying online or through the app. Per PHH Mortgage 's website and customer service representatives, you can pay online or through the app with no additional fees provided you are enrolled in electronic/paperless billing, which I am - since the very beginning. I have contacted them multiple times ( 10+ ) and spent literally hours on the phone with their representatives as well as their escalation managers. As of today ( XX/XX/2021 ) absolutely none of them have been able to resolve the issue. Several of the representatives were less than helpful at best, and those that tried to help were ultimately unable to rectify the problem. I have been told several different things that were not correct, such as ( paraphrasing ) " your account has been flagged for foreclosure '' and " there's an issue in our web department '' and " you're trying to make your payment during a blackout/changeover period ''. The only excuse I've been given that even seems legitimate is " there is a flag on your account relating to the Office of the President ( of PHH ) ''. The most helpful representative to date has been Escalation Manager XXXX, who gave me a direct contact number of ( XXXX ) XXXX XXXX to reach her. I certainly appreciate her efforts, but she too has been unable to resolve this. 

My request ( as I've told so many PHH Mortgage representatives ) is simple : I want to be able to use the methods I'm told are available to me ( web login & app ) to make my house payment in a timely, straightforward manner, and not have to deal with calling in & re-explaining the situation every four weeks to a new representative while having to demand that the payment processing fee be waived since the problem is in their system and clearly not anything I can correct. It has been four months since PHH Mortgage took over servicing of my account, and hardly a week has gone by that I have not talked at length with one of their representatives. 

I am now at the point where I need to make my XX/XX/2021 payment and I still receive messages through the website and app that online payments are not available to me. 

I have attached a photo of the notice I receive when trying to make a payment online or through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have inaccurate accounts on my credit report due to fraudulent activities

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 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 & again after reopening and reviewing the claim on XX/XX/2021 my claims were closed.The last explanation given from my financial institution was to get merchant to agree to refund, and then Ill get my money back. The amount is {$570.00}. The financial institution requested email and phone correspondents, ticket confirmation, and the refund policy from merchant. All of which were provided. Merchant event stated event was still scheduled however the event happened 3 months prior. I have been actively disputing and trying to contact merchants and updating information with financial institution to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2021-10-21
Company: Mountain Run Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor by the name of Protect Your Home filed a collection on all 3 of my credit bureau reports around XXXX with the collection agency listed as Mountain Run Solutions. I disputed the information online and the collection was removed from both XXXX and XXXX. XXXX stated the debt was verified after multiple attempts to dispute the debt. I have never had an account with this company or requested their services. Last month, XX/XX/2020, the collection has reappeared once again on all 3 reports despite it being removed from a previous dispute. I then filed another dispute with each bureau- XXXX would not allow another dispute on the account and the other two stated it as verified. I have sent multiple requests to the collection agency and original creditor for verification of debt and they have all went unanswered. On XX/XX/2020 the collection agency reached out to me via text message and sent a Dropbox link that supposedly contained my contract. This link, of course didnt work. He then volunteered to send it via text in that thread, to which he did not. He then said he could send it via email and I provided an email address and to date I have never received it. I directly asked in the text message if this document was a contract direct with protect your home complete with my signature etc, he stated that the FCRA requirements only state they have to provide a document certifiable that the debt was mine- literally a sheet of paper stating I certify this debt is valid and belongs to is all it needed to say and that a signed contract or document of any kind was not required. I told him I never have had an account with either party and he did not send any additional responses.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: GOLDMAN SACHS BANK USA
State: MN
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:
Hello, On XX/XX/2019 I called Goldman Sachs asking to close my account and they confirmed they did ; however, it keeps showing in my XXXX  credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received a letter addressed to me in my maiden name from Chase stating my application can not move forward until i contact transunion and lift the freeze then call them back at XXXX XXXX XXXX. 
1. I never applied and woukdnt in maiden name. 
2. First thing that # asks for is social. I hung up 3. I XXXX chase and called number. The options sound exactly like when i called the chase # from my moms credit card. 
4. The number called was XXXX XXXX XXXX. They asked name... maisen and married, social, address and said the address did not match. When i stressed it was fraud they put me on hold, 3 min later i got beginning recording, waiting, spoke with rep who asked social, said she could not verify my identity and asked for phone #. Said she would call me back in 30 seconds to verify my identity 5. I then went on and called chase # on back of moms card again. They put me thru to fraud who then put me to application dept. I hung up after 8 mins.

6. Went online and verified all 3 credit agencys have my credit reports frozen. 
7. I am worried they might try something funny as far as taxes or use my social in some other manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company portfolio recovery solutions has debt that has been paid off and has been removed from my credit they continue to call and harass me calling after XXXX and before XXXX XXXX and I have repeatedly told them to stop. They continue anyway. Most recent phone call was today XXXX at XXXX

Company response to consumer: Closed with non-monetary relief