BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: Mercedes Benz Financial Services
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Dear Sir / Madam, I am giving you chronologically my complaints. 

1. I bought a brand new XXXX XXXXXXXX XXXX XXXX SUV from XXXX XXXX XXXX  XXXX XXXX in XXXX. The Title is attached. 

2. In XXXX of XXXX, I noticed paint peeling off from different areas of the vehicle and I e-mailed XXXX XXXX of the dealership. The email is attached along with responses dated XX/XX/XXXX. 

3. A lady from the dealership called me a few days later and said that the situation was not in their hands and the decision to correct the fault would lie with Mercedes Benz Head Office in New Jersey. 

4. I waited for over 4 months for a response. I had to get a tire replaced at XXXX XXXX XXXX XXXX and the Sales Consultant saw my car and remarked that lots of these " scarlet red " SUV 's were having the same problem. 

5. I contacted XXXX XXXX XXXX XXXX again, spoke to XXXX and sent her quite a few pictures of the affected areas. She advised me that her Service Manager would respond to me. 

6. After a few days, she said that her Service Manager requested me to contact the Head Office as they could not help me. 

7. Thereafter I wrote an email to the Executive Referral Manager - XXXX - On XX/XX/XXXX. XXXX. The email is attached. 

8. On XX/XX/XXXX. XXXX XXXX, the Manager of the XXXX XXXX Repair facility on XXXX XXXX, XXXX, Louisiana called me over the phone and requested that I bring the vehicle to his workshop so that he could inspect it. 

9. He inspected the vehicle, took pictures of the vehicle and made me sign a form. Verbally, he confirmed to me that he would start working on my car around the first week of XXXX and it would take about three weeks to complete. He also said that they are correcting the defects of this particular model and car color one every month. 

10. On XX/XX/XXXX. I called the Repair facility at XXXX XXXX. I gave her my details and she advised me that they did not have the approval to re-do my car and that they could not not tell when it would be repainted and speculated perhaps in XXXX / XXXX of XXXX. I was quite disappointed. 

11. On the very same day, I wrote an email to " XXXX " and the email is attached. I advised him that if I did not hear back from him, I would have the option to contact any entity to correct this fault. The email is attached. 

Attachments : 1. Title. 
2. 3 Emails 3. Photographs of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Recovery One, LLC
State: OH
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:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$330.00} with XXXX credit reporting agencies, I requested verification of debt and account however the business failed to provide adequate proof. 
considering the business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof I am not obligated to pay for the alleged debt. account # XXXX I made a request for the recording of the call you stated I made, and I want to see a signed contract. I can get online right now and make this same letter that you submitted in this claim. If you are unable to show me proof that this is me, I ask that you remove it. This is not my account. This account complaint is over 496 days old, and you have yet to show me any proof. Please submit to me either the recording of the call you claim that I made regarding payment or a signed contract. If you are unable to produce these, with the request already being over 496 days old, I again, request this be removed from my credit as there is no validity to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: WI
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 a XXXX XXXX  student and XXXX XXXX XXXX XXXX ran a branch in the lunchroom of my school. They lured me into applying for this credit card, which is still haunting me TWELVE years later. Not too long after I obtained the credit card, in mid XXXX, I hit hard times and was unable to make my payments. XXXX XXXX XXXX XXXX charged off my account and also entered a judgment against me in XX/XX/XXXX. I paid the judgment in full in XXXX with my tax refund. They do show that on my credit report as the last payment on XX/XX/XXXX. They also show the account as " paid and closed. '' Yet, in XXXX & XXXX they have the account reported as charged off. This is inaccurate as it was paid in XXXX and first became delinquent in XXXX. Per XXXX, a chargeoff should only remain on the credit report for 7 years after the first missed payment, which was in XXXX and it is now XXXX. I do not have a copy, but I sent them a certified check from my credit union, XXXX XXXX for {$460.00}. I have reached out to them many times about this account and they NEVER respond. I have also disputed this account through the credit bureau in XXXX and I thought the inaccurate and negative information was removed. But I checked my credit report today and here it is again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was serviced by Wells Fargo was paid in full on XX/XX/2020. I was told by Wells Fargo I could provide routing/account information to have my escrow balance ( {$4100.00} ) sent electronically. I called XX/XX/2020 and a woman took my account information. Later she told me she could not send it electronically, only transfer it to a Wells Fargo account. I'm sure this is a ploy for them to open up more accounts without customer 's permission. 

I've called Wells Fargo multiple times regarding their escrow refund process. Each person seems to have a different story, fake promises of being called back, and passing the buck to someone else in the organization. Wells Fargo opened a new case, after not resolving the last, and claim they won't have a resolution for another 10 business days ( XX/XX/XXXX ). I want Wells Fargo to send me my remaining escrow without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX  XXXX XXXX  In XXXX, WI to figure out why they are populating on my XXXX  XXXX all but, no other credit reporting agency with no response. Email was sent out and a Voicemail was left. I contacted the XXXX  that reported it and they confirmed they do NOT have any out standing debt or collections out for me. I attempted to reach numerous parties with no response. I am not seeking the next level of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
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:
affiant is aware and has proof that Equifax is in violation of USC 1681c-2. ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report shows an account for {$780.00} in collections for over a year and a half with Midland Credit Management. I spoke with the legal department of MCM on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to XXXX and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called MCM legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to XXXX and told they are the ones reporting in error to XXXX. The XXXX rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated XXXX transferred me to her stating it was legals problem. She put me on hold and transferred me back to XXXX. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) 6063 stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call MCM they transfer me to and from the legal department to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage loan specialist asked for 2 years of tax returns which I provided to them on behalf of my husband. Next she had my husband sign a XXXX form which requests transcripts of those tax returns from the IRS. I realize the mortgage process does this to ensure that the documents I submit have not been altered. However, when I read through the XXXX document it was prefilled to request 4 years of transcripts from the IRS. Not only did it request XX/XX/XXXX and XX/XX/XXXX which the bank VERBALLY said my husband would need to provide to them in order to approve the loan, but it also requested XX/XX/XXXX and XX/XX/XXXX transcripts. I asked the Mortgage processor if they needed 4 years of tax returns and she assured me that they did not. I then requested that they would have to change the prefilled form to reflect only 2 years of transcripts before I would sign and she refused. She said there was no way to change the form. I told her that someone in the Wells Fargo online e-forms department had access to that form and it shouldnt be hard to change it, but again, she refused. I told her that was dishonest on the part of Wells Fargo to verbally request 2 years of tax returns and then in printed form give themselves permission to 4. If they verbally say they do not need 4 years of my tax returns then I feel it is criminal behavior for them to provide a form that is PREFILLED that requires a signature in order to proceed, that gives them access to 4 years of financial records. This is a total breech of privacy and I feel Wells Fargo should not be able to continue this criminal behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank has erroneously billed me for {$370.00} since XX/XX/XXXX, when this bank acquired the loan from XXXX. The erroneous charges are allegedly for lack of proof of insurance. Flagstar Bank is aware that the charges are erroneously charged by XXXX and will not remove the charges from my account as of this day. Flagstar Bank knows the charges are erroneous because, in the files acquired by Flagstar Bank, proof of insurance was scanned into the XXXX system on XX/XX/XXXX, @ XXXX AM. and XX/XX/XXXX, @ XXXX AM. Flagstar Bank knowing that the fees are erroneous, informed me today via customer service call by representative XXXX from XXXX that Flagstar Bank can not remove the XXXX fees from 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX XXXX.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.

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 2020-10-28
Company: EQUIFAX, INC.
State: MO
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 following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -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 2021-08-26
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX is aware and has proof that Transunion is in violation of USC 1681c-2 ( a ) ( 2 ).

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -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 2016-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
These inquiries are not mines. 

Inquiries XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry.

Company response to consumer: Closed with explanation