BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is XXXX hard inquiries on my credit report for XXXX. Its only supposed to be XXXX to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account No. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX AT XX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XXXX XXXX XXXX XXXX was the signer on the account and XXXX XXXX, the Daughter, was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XXXX XXXX 

In XXXX XXXX nearly 2 years after the lease ended, KIA added two 30-day late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. 

It had been 2 years since we were a KIA customer. Both my daughter and my address changed. Mail forwarding only lasts for 6 months. There was no way that this invoice ( sent two years later ) could make it to us in the mail. 


KIA sent my daughter, XXXX, a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XXXX XXXX XXXX  we called to speak with a supervisor. Throughout the month of XXXX we called over 10 times. We sent KIA Finance a letter at the end of XXXX XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 


We sent KIA finance America formal letters in the mail. I attached copies of our USPS receipts.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-09-20
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB.

Equifax who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts and consumer statement listed below be removed immediately.

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Equifax written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX XXXX reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 -Erroneous consumer statement with inaccurate info about an inquiry that has not been resolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Showed my bank proof of payment and delivery not being delivered. Pnc bank still refused to submit a refund or reach out to merchant. This is the second time I've had to do this in the last year, pnc bank doesn't thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. Transunion and XXXX still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

Collection account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted.

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 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 2022-11-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Previous complaint filed XX/XX/XXXX and closed due to company response. Wells Fargo sent me a transaction report to verify that funds for a balance transfer were sent to XXXX XXXX back in XX/XX/XXXX. This report was sent to XXXX XXXX as they are stating they have no record of the payment from Wells Fargo. XXXX XXXX now states that the report is not the electronic funds transfer report that they need and it does not state that the transaction was received by XXXX XXXX. XXXX XXXX XXXX, their payment team can not find a payment of the amount of the balance transfer, {$5600.00}, on or around the date it was supposedly sent. XXXX XXXX states that since the report from Wells Fargo shows no proof of receipt by XXXX XXXX, it is possible that the transaction did not go through. Wells Fargo will not provide proof that the payment was received by XXXX XXXX. I am still left paying the same balance on both cards. Neither company is providing further options.

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 2022-09-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed a dispute in XXXX with Synchrony Bank regarding an item on my statement. 
XXXX XXXX wrongly billed me for repairs performed on another person 's car ( XX/XX/XXXX ). 
The name on the transaction was not mine and the car in question was not mine either. I submitted all the related documents at the time of the dispute to Synchrony. Synchrony failed to investigate the dispute. They also failed to communicate to me their unwillingness to investigate/ or report result of their investigation. Rather they intentionally did not include this item in the minimum balance due for XXXX. For XXXX good years I was not informed the result of dispute filed. This amount also was not in my credit report until XX/XX/XXXX. 
On XX/XX/XXXX, Synchrony wrote me stating they will include this amount in my minimum due balance. They further proceeded to put it my synchrony revolving account balance which is being currently reflected in my experian credit report. I have had this card since XXXX and this extreme poor treatment of a customer is demoralizing. My current credit score is XXXX and Synchrony is bent on destroying my credit score. I have never had to pay interest on this card because I have always paid more in other to avoid interest. 
I will explore all legal options open to me and will report the same to the Illinois attorney General 's office. Please publish this report including bank name.

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 2022-11-29
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX  ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). 

We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. 

XXXX  # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. 

The contacts we have made will not supply a phone extension nor last name. 

We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. 

The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to 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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: FL
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 XXXX credit cards with Comenity bank : XXXXXXXX XXXX and Victorias Secret. I have been trying since XX/XX/XXXX to make a payment on one of those credit cards on the website ahead of a payment due today, the XXXX. I found that last week, the site was down for ALL of my credit cards with that company. I was unable to login, access my account, statements, make payments, etc. I noticed on XXXX and XXXX that they were addressing peoples concerns with this outage by telling them to call a specific phone number on the back of their card or to use the same day payment option on their website. I tried both of those options on Thursday and I was unable to reach anyone on that phone line, and the same day payment option was not available and was not working that day either. So the direction of the company was giving everyone was not correct. They kept giving canned responses to everyone who was concerned about it and told them that the outage would last until the beginning of next week, which is todays date. I attempted to use XXXX on several occasions to reach out to them about the issues that I was having and I got a canned response to use the phone number on the back of the card To make the payment. When I did that, the automated message on the phone said that no agents were able to assist with anything related to accounts and eventually it disconnected the line. I was unable to speak with anyone on the phone at all. I tried to log into my accounts again and one of them logged in but it had a massive error message on it and it also said that my account was closed ( which is not possible, I hadnt received any communication about this ). I reached out again on XXXX, along with quite a few other people, and we were still given the same response to simply wait and sorry for the outage, and that it will be fixed eventually, and to try calling But every time I try to call, there isnt a human available to help me try to make a payment. My payment due today has a possibility of incurring a late fee if I dont pay it today but I have literally no way to pay it. I dont want any late fees or negative credit reporting and I simply just want to have access to my accounts again. Reaching out to the company on social media seems to be the only way to get any kind of response in general but its all the same and its not helpful and its not resolving anything. Its predatory that theyve had their website out for almost a week if not longer and that no one is able to make any kind of payments on these cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 : XXXX. I logged into my PHH Mortgage account and found that I was somehow behind on payments. I had never received a late payment notice via XXXX or email -- not in spam, nothing. It turns out that I had paid my escrow incorrectly, so all of my payments ( that I was making automatically every month ) were being marked as 'unpaid " since I had an escrow shortage. 
XXXX. I called PHH, and they informed me that since I am signed up for paperless billing, I DON'T get email notifications or an e-bill of any kind!!! How is that a paperless bill?? I am supposed to log into my account to see my bills, or to see if there is a late payment. Never in my life have I worked with a company that provides ZERO notification of bills, late payments, etc. 
XXXX. The customer service rep and I both tried to get their online payment system to work, and could not. She said it was because of XXXX XXXX XXXX  ( can't even schedule a payment online, but I can talk to a rep on a holiday?? ) and to try on Monday. 


XX/XX/2022 : I logged into PHH and still, the payment system wouldn't let me make an escrow shortage payment on its own -- it had to be in addition to TWO regular payments ( not one -- if you choose one, it doesn't let you pay an escrow shortage ), so I went ahead and did that, totaling {$5300.00} for XXXX mortgage payments plus the escrow shortage. 

XX/XX/2022 ( I think ) : XXXX. I logged in again, and it showed I have an upcoming bill for XXXX, even though I had made XXXX payments ( NOT to principle ). 
XXXX. My husband called them and tried to sort it out. They said it would be fixed in the system within 5 days, and that we'd just owe {$200.00} in XXXX, and then from XXXX on we'd make regular payments of {$2300.00}. 
XXXX. We switched to XXXX billing, to make sure we don't miss correspondence in the future. 

XX/XX/2022 : I logged into my PHH account and it STILL shows that we have a XXXX payment due, even though we've paid over $ XXXX this month! 

I would like the govt. to hold PHH accountable for : XXXX. Not contacting people ( at all! ) when they are signed up for e-billing -- not when they have a payment due, when a payment is late, or when late fees are applied. They expect you to sign into their system -- NO other lender or vendor has ever done this to us. We have a high credit score and pay our bills on time -- and have had mortgages on XXXX other homes in the past with XXXX XXXX, XXXX, etc.. This is either egregiously lazy on PHH XXXX part, or intentionally negligent in order to collect late fees. 

XXXX. Either lying about how their online payment system works, or just not having any idea. Twice we have been told it wasn't working or reflecting the correct numbers, but it would be 'fixed ' within a few days. Nothing was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I have a credit card with Comenity bank which just became Bread XXXX. The website has been down for days, I can't check my balance or pay, and as of today I can't use my card anymore. Customer support is non-existent. Their twitter account won't provide any info.

Company response to consumer: Closed with monetary relief