BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Was leasing vehicle. Purchased vehicle using financing. Was told that I didnt need to change anything from a payment perspective. Auto pay would remain. Turns out that I actually needed to set up auto pay again. Missed first payment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servici  ng  messed up my escrow account and increased my payment from approx. {$600.00} per month to over {$1100.00}. This caused me, as a single mother of  XXXX  minor children, to go into foreclosure. I repeatedly filled out the RMA loan modification requests ; more than 10 times in fact. Finally, after literally years of sending the RMAs over and over again and begging them constantly for a loan modification, Ocwen finally sent me a loan modification titled "  Home Affordable Modification Agreement ''. T he modification was incorrect in the amount owed, it said I owed {$130000.00}, when in fact I owed approximately {$93000.00} . ( th e original loan amount was {$77000.00} and I had paid on it for years prior to Ocwen 's mess up with my escrow account ) Even though the amount they claimed I owed was wrong, I accepted it anyway to save our family home. I accepted it, but asked them to correct the balloon payment that was attached to the modification agreement at the end. The balloon payment at the end should have been {$38000.00}, not {$93000.00}. I explained to Ocwen over and over again to please look at their modification agreement and then look at their attached balloon payment. It was simple math on the modification document and the balloon payment attached to the modification agreement was wrong. I begged them to just fix their error and told them repeatedly we would accept the modification agreement ( even though it was tens of thousands more than I owed ) with the balloon payment fixed to reflect the actual modification document it was attached to, i.e., {$38000.00} balloon payment at the end, not {$93000.00}. I have had to pay attorneys to fight the foreclosure for years, I have paid forensic auditors to show  Ocwen  I did n't owe what they claimed, etc. I was willing to pay way more than I owed them if they would just fix the balloon payment. This is almost hard to believe that this is not purposeful fraud on Ocwen 's part. Obviously, we all see in the media the multiple times your office, the CFPB, and  XXXX   XXXX   XXXX   XXXX  's Office of Mortgage Settlement Oversight has fined Ocwen for this exact kind of false and deceptive trade practices. Please, please please help me before Ocwen causes us to lose our family home. I am a struggling single Mom. Our home is all I have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
discover purchase protection claim # XXXX. The discover credit card offers purchase protection up to {$500.00} if stolen or damaged. My product on the claim was " stolen '' and Discover card claim service says it is not stolen, it was " loss '' says Discover Card and stated that I was not do due diligent. When I spoke with the person to report my claim, he says that my claim should be covered as it has been with other customers. However, Discover Card, denied my claim. Other claims was approved and mine was not. They stated that because it was in a public place that they do not cover and Discover Card only protects your purchase when it is taken from your hand or other places than public places. It does not state that in the policy and also someone took it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Shellpoint Partners, LLC
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 information incorrect

Complaint:
I had a forbarence plan set up with Shellpoint Mortgage due to COVID-19. I was able to get off the forbarence plan in XXXX of 2021, at that point Shellpoint offered me an option to do a loan modification. During the loan modification process i was under the assumption that the forbarence plan was still in affect until the modification process was completed so i continued to defer my payment. The modification paperwork needed to be notarized so Shellpoint hired a 3rd party notary and i had nothing but issues with them. Took almost 2 months to finally get a schedule date. Now Shellpoint has reported me 60 days late on my mortgage. Im trying to re-finance my house right now and this negative/inaccurate reporting on Shellpoint 's part is making it impossible to do so. I have filed complaints directly to Shellpoint and also tried to dispute the negative report thru XXXX with zero success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  XXXX   XXXX   XXXX   XXXX , I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to  XXXX  again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.  XXXX  has completely ignored the mistake, even after sending them proof from the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Information belongs to someone else

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2018-03-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I applied for a home loan. When my credit report was reviewed, there was derogatory information being reported by aXX/XX/XXXX Account with XXXX XXXX. 

Upon contacting XXXX XXXX/XXXX XXXX, I was informed that the account was sold/transferred to a collection agency - XXXX at XXXX. When I spoke with XXXX, I was informed that my personal information was incorrect and that the collection account would be returned back to XXXX XXXX/XXXX XXXX. 

I contacted XXXX XXXX/XXXX XXXX a few times to dispute/correct this account and received a letter from them dated XX/XX/XXXX that they were reviewing their records. Once the account was back with XXXX XXXX/XXXX XXXX, on XX/XX/XXXX, I spoke with a supervisor ( XXXX ) who acknowledged the mistake and provided me with the original balance that was due. I immediately paid the balance ( confirmation # XXXX for {$69.00} ) and was informed that they would correct the past due and collection activity that was reported to the credit bureaus. 

Today is the 66th day and there has been no update reflected on 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MI
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 XXXX  XXXX XXXX XXXX Michigan Docket # 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A customer sent me a payment through PayPal of {$310.00} in error I immediately refunded the money back to the customer within five minutes PayPal says the customers financial institution is doing a charge back and my account is now - {$310.00} I can not use my account due to this and I rely on it to receive several payments. I am furious because the transaction is very obvious that the money was refunded immediately and I Should not have a negative balance in my account Its going on two weeks now and I cant believe theres any kind of question due to the clarity of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have tried to reach out to XXXX XXXX and Transunion. They have closed my complaint and just made an excuse on why they could not answer my complaint.This is my XXXX  time and the previous time they have said they do not recognize the customer and need authorization which does not make sense if I have provided my drivers license as well the bank statement

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 2020-01-29
Company: John C. Heath, Attorney at Law, PLLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been using this company Lexington Law for few months. all they do is bluff customer that they are working on case. They never did any job and already took so many dollars out of my account. The result is zero. Absolutely zero. I believe its been more than 4 months with no results. Asked them to provide any reciepts for the work they did for me. all they do is electronic dispute which every one can. A paralegal promised that it will definitely be taken care of and it is very easy stuff to be removed by lexington law. I want CFPB to use UDAAP act against this agency. Every time I call these people say it is time taking process, it already took so many months with no results. I demand them to submit proofs that what they actually worked on case to fix my credit. And also in the XXXX report provided by lexington is false report. It is showing late payment months different from other two XXXX  and XXXX. The actual report provided from XXXX   website is different report from lexington law. They are bluffing that they recieved these reports from XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: MA
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:
In XXXX of 2020, a charge was made on my Chase credit card account by XXXX that we did not authorize. The order was placed using a different account. This was a dormant account that we do not use and did not realize their error until we saw a missed payment on my account. XXXX has owned the error and reversed the payment. 
I have explored numerous avenues with Chase to have the missed payment removed from my account, and they refuse to work with me. This {$39.00} charge, that should never have been made, has now destroyed my credit. 
We did not receive any phone calls regarding a late payment because we were in temporary housing ( having lost out on a house after the sellers backed out at the last minute ). We also did not receive specific emails or mailings saying there were late payments. Just the generic statements that are emailed. Since this is an account that we never used, we had no reason to open these statements. 

I've attached the email from XXXX owning responsibility and reversing the charge ( and charging the proper account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Information belongs to someone else

Complaint:
THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

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 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  Capital One Auto Finance,  I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to   XXXX   again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.   XXXX   has completely ignored the mistake, even after sending them proof from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with HSBC bank that is now in dormancy because there was no  activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on  XXXX , I spoke with someone named  XXXX . The second time I called on  XXXX , I spoke with someone named  XXXX . The third time I calle d (  on  XXXX  ) I spoke with someone named  XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
See attached documentation regarding tender of payment to company. Company has ignored tender, therefore accepting said tender and discharge has now occurred, yet company has yet to zero out the account. 

XXXX. TENDER OF PAYMENT. 

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I applied for a loan modification, during that time my contact person changed several times. Each new person would ask for the same inform that was previously sent. XX/XX/XXXX our home was damaged from a tornado so I called again requesting assistance with a loan modification. Once again I was told to sent in documents ; all of the needed documents were sent in. I once again could not get anyone on the phone because my contact person no longer is in that department. XX/XX/XXXX I spoke with a supervisor who stated he would make sure my information get to the under writing department. All documents were submitted. XX/XX/XXXX I was informed the modification was denied because they could not verify my income, but they have bank statements as well as pay stubs. The person could not tell me what the issue was because all documents have been received and he stated I needed to file an appeal.if I wanted more information on the denial. It is unfair to give me the run around for 3 years to deny the application based on a bogus reason.

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