BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Mercedes Benz Financial Services
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 have requested validation of debt from Mercedes Benz Financial Services from XXXXXXXX XXXX XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Mercedes Benz Financial Services has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Credit reporting, credit repair services, 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:
The creditor is from TCS Thunderbird Collection and they were on my XXXX account since I owed the debt since 2013 but then XXXX XXXX fought them to get it off and they came off my credit but then they came back on under my XXXX report which is fraud. You ca n't resubmit a debt that has already come off a report so I need you to investigate them and let them know they need to come off. XXXX XXXX will continue to fight them until they come off my reports and they are direct violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have auto pay. The charge card company pulled my payment, it posted to my charge card, and then the charge card company pulled it back out, but did not put it back to my checking either. My payment is lost and in 6 weeks of contacting them, nothing has been done. I owe the full amount again. Sams Club Credit just does not seem to care.

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 2018-12-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX  in XXXX, CA. I need help with a possible discharge and lowering my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a Midwest recovery system. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with Midwest recovery system witch the third company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a preapproved offer in the mail. I asked for a loan of XXXX XXXX XXXX XXXX dollars. I was approved and could view the payment dates and amount. But could not view the truth in lending disclosure nor the total interest of the loan tell after I had accepted the loan. I had to have a friend down load a p d f viewer. The loan was funded 0n XX/XX/XXXX. The first payment of XXXX made on XXXX. The second payment was made on XXXX. I called big picture loans on XXXX. Spoke with XXXX on a recorded line. Was told the payoff on the loan is XXXX XXXX XXXX dollars. I said this is a mistake. I 've cancelled bank payments and contacted XXXX XXXXXXXX Attorney General who advised me to file a complaint with the XXXX XXXX Attorney General and provided the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.

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 2021-02-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX. As part of the mortgage escrow was selected and has been paid every month. In XX/XX/XXXX I noted that the property taxes had not been paid as outlined in the escrow agreement. I contacted PennyMac when I noticed that taxes had not been paid and let them know they had not been paid. They indicated on the first call that they inadvertently set up escrow to be paid on XX/XX/XXXX which is not in alignment with the county 's notice of when payments are due. In addition they committed to expediting the payment. It has now been 3 weeks and four conversations with continual promises to expedite payment. I've followed up each time and found the payment has not been expedited and in fact it is still not paid. A fine of approximately {$2000.00} was levied on the property. I feel there is some level of incompetence or fraud occurring with the escrow process at PennyMac. There has been no contact directly with me and I've asked each time to be notified when it was paid and have never received a call. I view this as a breach of fiduciary responsibility and as I stated I'm questions if there is some level of fraud or just basic incompetence occurring at PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Clear Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Merchants Credit Adjusters Inc Address : XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This company has been calling me after sending multiple notices to them to send debt validation. MCA has told me that they do not and will not send this information. We do not have any known account numbers with them. We do not have any knowledge of any outstanding debt. They are still calling even after sending multiple notices via Fax, Email and USPS. 
Letters sent by Us 1st Notice XX/XX/XXXX 2nd Notice XX/XX/XXXX 3rd Notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi, i had an American Express Gold card that I closed ( with XXXX balance on the card ) about 4 years ago. On XXXX XXXX I got an email stating that my account was past due. I immediately called American Express customer service and told them this card has been closed for years and there is no way it can have a balance. That I have not used the card in years and any thing reflecting on it is unauthorized. I was assured my account was " impeccable '' and it must be a spoof email. i was asked to forward that email to their spoofing dept which i did. A week later I recd a letter in the mail stating the same thing ... which was followed by another call from me to the customer service center and i was told that I was not even the primary card holder on this card and there was no balance whatsoever. Then about 2 weeks later i started getting collection calls and was now told that not only I was the primary cardholder, there was a balance of about {$1000.00} on it. How can a closed card have balance??!!! 
I then emailed their senior executive leadership member to intervene and resolve this case. I got a couple of emails from the executive admin that they will look into the matter and have updated the credit bureau of the error. My repeated requests of a phone call to understand the situation have been ignored. Its been three months and i still do n't have a resolution to my case nor any acknowledgment from American Express that the case has been closed. 
Please help me. I take my credit standing and obligations very seriously and this matter has robbed me of peace of mind. Am i a victim of ID theft? card skimming? what?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: MNE Services, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have voice mails and threats to deliver documents to me to take me to court. Left on my house phone and cell phone. Called the companies they say they are collecting from and that these companies tell me they have never heard from them. 

The XXXX numbers they are calling are XXXX ( registered with XXXX XXXX, XXXX - MO XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CL Holdings LLC
State: GA
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:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see if you can follow what has happened and why we are so upset with LoanCare LLC. 
Our payment should have been corrected in XXXX of 2019 by escrow department to {$2200.00}. XXXX but has not. 

With a actual needed mortgage payment of {$2200.00} and a requested mortgage payment they are showing in their website is {$2900.00}, they are inferring a {$7900.00} shortage. 

That is bizarre. 

XXXX and Loancare were expecting to pay insurance of {$15000.00} in XXXX of 2019 but the real insurance amount paid is {$7900.00}. We changed companies to get a better rate. New insurance came into effect XXXX XXXX and was paid XX/XX/2019. 

If they paid incorrect amount to prior insurance company, that would have been refunded to them and would be there to pay new insurance company. Actually, there should be an overage in escrow accounts. 
So there would be no shortage in escrow accounts. There is no shortage in escrow accounts absent theft or mismanagement. 



So looking at the escrow account amounts shown LoanCares website, they are now showing proper amount for taxes and insurance but you have not changed the payment to reflect that. 
If you add {$1000.00} x12 which equals {$12000.00} needed for mortgage payment to principal and interest. Add to that property taxes of $ XXXX+XXXX+ homeowners insurance of {$7900.00} you get a total annual outlay of {$27000.00} When you divide that amount by 12 you get the monthly mortgage payment needed of {$2200.00}.

{$2900.00} x12 = {$35000.00} That is {$7900.00} more than they need to pay for everything associated with our loan. That is a huge shortage they are asserting. 

After our XXXX letter to the escrow department we determined they were not going to change the payment amount so we started paying in {$2200.00} as the correct amounts of mortgage payment. 

Now the collection department is asserting missed payments. 
And is threatening late fees etc. 

Regards, 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 2018-06-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX US Department of Edu , & XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

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 2020-02-04
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
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:
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It 's a old cable bills XXXX XXXX {$210.00} XXXX that I was n't aware of. Recently found out it was showing outstanding in my credit report, immediately paid off but it 's still shows. I 'd like it to be removed, it 's affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, 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 2020-05-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I was financed for a vehicle by Ally Financial. The car was paid in full and was considered closed in XXXX. 

However, now as of XX/XX/XXXX, XXXX the Ally Financial Account XXXX all of a sudden in reporting on my credit as a REPOSSESION-???!!! 
I have not been able to reach any one from Ally Financial or the credit bureaus and I am in the middle of financing!!! 

It is imperative that the account is corrected or removed from my credit all together. I am not sure what is going on but a lot of weird things have been going on since this pandemic has started. On the other hand- I will have to get a common law attorney if the situation is not resolved immediately or if I lose financing because this HUGE 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 2017-11-22
Company: NAVY FEDERAL CREDIT UNION
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation