BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX be vile was in a car accident XXXX seemed a total loss and informed Mercedes Benz that they wore going to pay out the beguile in XX/XX/XXXX they only sent amount of XXXX which Mercedes processed and the date was showing next due date was XX/XX/XXXX and stating when I pulled my credit today XX/XX/XXXX showing it was negative as a charged off when clearly the other party was at fault. Nor has Mercedes Benz or XXXX have made any contact with me since they recieved payment nor to inform me the charge of account as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I opened a Best Buy Visa to make a purchase online. The item I received was returned on XX/XX/XXXX at their XXXX XXXX, PA store. When returning the item, I told the clerk that I hadn't received my credit card yet but asked if I would still be able to make a purchase and he informed me as long as I had my ID, I would be able to make a purchase. I attempted to buy a cell phone, and at the end of the transaction, the young woman who was checking me out had to call the credit card company. After answering all their questions to verify who I was, they would not allow me to use the credit card until the bank got a hold of me through a phone call that would take about 48 hours. I never received any phone call. Today XX/XX/XXXX, I received my credit card in the mail. I called the number on the card and talked to a man named XXXX after XXXX XXXX. He informed me that the card could not be activated until the bank got a hold of me. I explained to him what happened at the store and that the bank had never gotten a hold of me. I told him just to cancel the card, and he said he is unable to cancel it till I receive information from the bank. I then said I would like to talk to the bank and he informs me he is from the bank. I asked to speak to a supervisor, and he puts me on hold. He comes off of hold and unfortunately, tells me there is no one to talk to right now and to call back in an hour. I do not understand what their problem is, but this cost them a sell at the store level, and they now have a very frustrated customer. Please help us solve this issue. 
Thank you, 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 2020-05-04
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what Equifax and XXXX  are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I've sent several letters to TransUnion, XXXX, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my 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 2018-06-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited around usd 1500 at atm location XXXX on XX/XX/2018 at XXXX in XXXX , Ohio - aid:XXXX ( deposit exception record ). XXXX XXXX or its employee took this money and is not giving me this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The reason I am requesting an investigation by your agency is due to TransUnion customer service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.XXXX XXXX XXXX 7 . 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 2021-10-12
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2021 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX IL. The dealer was given a {$7500.00} down payment and financing the balance was acquired by Westlake Financial Services, XXXX XXXX CA. I was disappointed with the percentage rate offered of 10.9 % despite my credit score of XXXX. Upon closing deal, the vehicle was driven to local gas station for fuel. The vehicle engine light appeared leaving station. The dealer, XXXX XXXX was notified about engine light. The vehicle needed 4 catalytic converters in which the dealer agreed to repair. West Lake Financial as lienholder held dealer payment until repair completion. XX/XX/2021 I picked the vehicle from dealer 's contractor, XXXX XXXX XXXX, XXXX XXXX IL. Westlake Financial Services was immediately notified of repair completion. Shortly after, I received calls to return vehicle from dealer. XX/XX/2021 the vehicle was returned the dealer and down payment refunded because Westlake Financial Services cancelled contract. I have not received written notification for the denial of financing when I have a XXXX credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft ad notified Equifax. as per dispute answer from Equifax they said they said the fraudulent item is not showing on my report. as per my XXXX XXXX account Equifax does still list the fraudulent account XXXX XXXX Opened XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX rewards Master Card, I notified a credit card debt worth {$200.00} usd, XXXX says to spend that money charged to a credit card completed in # XXXX which was not requested by me. 

I want to clarify that I had another card with XXXX which I used and paid, but the debt of {$200.00} usd was with another card that I did not request. 

They started sending me notifications from XXXX in texas ( tel XXXX underwriting department ) to declare me in bankruptcy, then they said that they had passed my account to MIDLAND CREDIT MANAGEMENT with number # XXXX and they demanded payment of {$190.00} usd arguing that my dispute had been negatively failed and that I should pay. 

the pressure was so much saying that my credit would be damaged that on XX/XX/2019, I paid {$170.00} usd with my XXXX  XXXX XXXX account, where they asked me for my card information. 

the payment was made to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ext XXXX ) and they charged me {$170.00} usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America keeps telling lies. Every XXXX supervisor are always in meetings. They have been in meetings since XXXX. Where are my permanent modification papers? there were due in XXXX. It does not take this long for a new system to rollout and new papers to be printed,

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 2021-04-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
See attachment sent from Navy Federal Credit Union escrow overpaid go reflect taking advantage have a medically retired Federal servant total 21 years 8 months include military services active and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One and XXXX XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the fires in California over the last few years many insurance companies chose not to renew policies in certain zip codes that they deemed high risk. The California insurance commissioner declared a non renewal moratorium for certain zip codes which includes my zip code of XXXX. My insurance company chose not to renew my policy and was in violation of the law. When I pointed that out they gave me a quote of over {$15000.00} per year. I 5 times more than what I was paying. I shopped around and very few would cover me and the insurance companies that would cover me gave me usury quotes that were unaffordable. My insurance lapsed on XX/XX/2020 while I was trying to get affordable coverage and on XX/XX/2020 I finally found greatly reduced coverage of {$850000.00} for fire only that covered a little over the mortgage amount. Wells Fargo Home Mortgage is charging me {$520.00} for the lapse in coverage, claiming they purchased a policy after the fact ( even though there had been no claims or damage ). I tried to reason with them explaining that there are thousands of homeowners in this situation that are not located in a fire area buy unfairly singled out and non renewed. I asked Wells Fargo to send me the policy on XX/XX/XXXX. 2020 and they sent it to me. It shows that the policy was issued on XX/XX/2020 for coverage of {>= $1,000,000} with an effective date of XX/XX/2020 and an expiration date of XX/XX/2020. How can you purchase an insurance after the fact? I feel that I'm being scammed and I don't think I'm the only one. If this is legal then I want to purchase an insurance policy for the 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 2019-06-13
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: Account information incorrect

Complaint:
Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$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 2021-04-23
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have unauthorized ATM debit which Chime Bank refused to give me back my funds in the amount of XXXX and XXXX. 
Also they indicate there was no error but give me a new debit card to use. These transactions were taken between XX/XX/2021. XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Hillcrest Davidson & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, this is information pertaining to Original Account # XXXX Hillcrest Davidson Account : XXXX To whom it may concern, My father, XXXX XXXX XXXX, received a letter saying that {$740.00} was owed for a security system from Alder in 2015. 

XXXX manipulated my father and it veered onto the path of outright exploitation. 

My father is almost XXXX years old, extremely hard of hearing and is legally XXXX. 

My father was sitting on " his '' porch, when approached by XXXX young men from XXXX. XXXX was my father 's previous security company. When approached by XXXX, he thought it was XXXX and was not corrected and unknowingly and needlessly spent money with this new security company. 

When I returned to his home and saw what had happened, I got in touch with Vivint immediately. They came over and I saw that these young men had my father sign a contract. I was infuriated. He was not in the right state to sign a contract alone! The XXXX employee had the contract my father signed rescinded and within 3 days, a Vivint employee took the equipment to the post office and sent it back to XXXX. This was XX/XX/2015. 

I was so disturbed that I contacted the Florida Department of Consumer Affairs for Elder Abuse. I filed a complaint and now XXXX XXXX years later you are accusing my father of THEFT after he was manipulated into signing a contract by XXXX employees. Again, he is legally XXXX, hard of hearing and in his XXXX. Why would this ever be okay to have him sign a contract? It is SHAMEFUL! 

I trust and hope you will handle this issue. Not only was the contract rescinded within 3 days of signing but also the equipment was sent back by an ALDER employee. My father, who is currently in the hospital, should not be getting correspondence from you all accusing him of any crime due to the exploitation of XXXX employees of an elderly man. The onus is on the company. Please fix this issue and leave us alone in peace. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm pretty sure you have my son 's old address ' on my credit report. His name is XXXX XXXX XXXX and I am just XXXX XXXX. I have never lived at XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   AR 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 2017-10-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.

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