BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both   XXXX   and Equifax have been unfairly intransigent, while   XXXX   has increased my credit score to " Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported for up  to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that were  discharged  can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each  discharged  debt as : having a   XXXX   balance, anddischarged, included in bankruptcy, or similar language.     While the FCRA does  not directly address how individual discharged debts must be reported, to report a discharged debt as something else ( for example, " charged off '' or having a balance as more than zero ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 )  ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Mercedes Benz Financial Services
State: NY
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:
With regard to the aforementioned Benz has inaccurately reported payments on my account for a total of 19months of my 36month lease from XXXX. 

The car I leased was shutting down on the highway from the third month of purchase. Benz refused to get me out of the lemon and as a means of protecting my credit I was forced to pay almost $ 1000 monthly until the completion of lease. During this time I have never been late, they have reported late payments on my account. I have never missed a payment, yet for over 15 months in the tenure of the lease they have not reported my payments. 

Upon the completion of the lease, instead of severing ties with Benz I opted to make a purchase of the XXXX XXXX XXXX XXXX. I was approved for a custom build and paid the necessary deposits to have this process started. I was further promised 3 months of credits given I was waiting on my build and was in good standing with my credit and other payments. 

After waiting three months I was told that the credit would not be applied and was forced to make the payments. Upon refusal to do same, the manager I dealt with maliciously reported me as delinquent thus affecting my credit score by over 100 points. Further, to add insult to injury Benz refused to sell me the car I waited for after this malicious move was made. 

My credit to date reflects a balance which has been applied twice in recent months only to be removed when I contacted Benz, their information provided has always confirmed as inaccurate contacted via phone. 

I am of the impression that this is deliberately/maliciously being done. I need this to stop for no consumer should be taken advantage of in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On  XXXX  I applied for, and was offered a loan for {$1500.00}. The truth-in-lending disclosure that was presented online, and then was verified again when I was contacted by phone by an agent, offered payments of approximately {$150.00} on each of my paydays. ( I say approximately because it was {$150.00} and some change, but less than {$150.00 } ).      The first payment was debited on  XXXX  in the amount of {$330.00}. I accessed my account online to find that this amount was the standard payment amount which would be debited on each of my paydays, and not the {$150.00} that I was quoted.     On  XXXX  I sent an email to their customer service address listed on the website explaining my situation and asking them to provide proof of the truth-in-lending disclosure that purported the {$330.00} payment amounts and a transcript of the recorded phone call between myself and the agent. I feel that a review of that phone call will show that I was not quoted the {$330.00} payment amount, but instead the {$150.00} amount.     I received no communication from the company after the  XXXX  email and sent another email requesting the same information today (  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been trying since   XXXX   to get  Wells Fargo to s top sending copies of my monthly checking account statement to the  XXXX   XXXX  where my mother lived. She died in   XXXX  . Despite numerous attempts since   XXXX  ,  Wells Fargo  continues to send the statements to the  XXXX   XXXX  and they forward it to me and return it to the post office. I do not want my account details released to the public in that way. It is a violation of my privacy and can cause identity theft or other fraud. On  XXXX   XXXX , I wrote to  XXXX   XXXX  at  Wells Fargo h eadquarters about this problem and got no response. I also wrote to  XXXX   XXXX . On  XXXX   XXXX , I wrote to  Wells Fargo off icial  XXXX   XXXX  and received no response. Today on  XXXX   XXXX , I received the  XXXX  statement addressed to my deceased mother as POA.

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 2016-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both Transunion and  XXXX  have been unfairly intransigent, while  XXXX  has increased my  credit score to "  Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported fo r up to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that wer e discharged can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each discharged debt as : having a   XXXX   balanc e, anddischarged, included in bankruptcy, or similar language.     While the FCRA does not directly address how individua l discharged debts must be reported, to report a discharged debt as something else  ( for example, " charged off '' or having a balance as more than  XXXX  ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or  collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) .

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 2016-06-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my mother got behind on her mortgage because of XXXX and she had a fire that destroyed the house and we had to pay XXXX mortgages and she couldn '' t do it. XXXX to rebuilt and another to pay her mortgage to nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was sold from XXXX XXXX to Select Portfolio [ SPS ] Servicing on XX/XX/XXXX. When my loan transferred from XXXX Bank, I was given a final modification of my mortgage. I never received the modification agreement and called SPS to have my modification agreement sent to me as they were my new servicer. SPS informed that I had to get the agreement from the XXXX XXXX. XXXX XXXX informed me that my loan was sold and my case was closed. I then, was told to reapply with SPS which I did. At the time of my modification with XXXX, the value of my house was approximately XXXX dollars according to XXXX XXXX appraiser. Now I am in a dispute with SPS who states my home is now worth XXXX dollars even though we have an appraisal at XXXX which was completed on XX/XX/XXXX. SPS refuses to accept the correct value, and has my home in foreclosure. SPS also refuses to modify me due to their inflated evaluation. SPS withheld my modification that was written by XXXX since XX/XX/XXXX when they took over the servicing of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted  Portfolio Recovery Associates regardin g an account listed under  XXXX  different original creditor names that appear to be the same account. Regardless both are erroneous, and they are reporting as a collections account on my credit report. This information is totally inaccurate, and they were given time to investigate. They broke the law by not adding the proper verbiage to the account within the allowed 30 days, and they have not presented any documents showing where I have ever had a contractual agreement bearing my signature to pay them anything. This is derogatory information on my credit report and is in direct violation of federal laws. I demand this inaccurate information to be deleted from my credit file with all the credit bureaus immediately. I am attaching ALL documentation backing my claim to make said claim as clear as possible. They replied with a letter stating they reviewed the dispute and their records indicate they have already responded to a previous dispute same as my present dispute. This is not true. I never dealt with  Portfolio Recovery,   therefore no documentation has ever been provided to me bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: U.S. BANCORP
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning on  XXXX / XXXX /  XXXX   we started autopay on our mortgage loan with US Bank.   The amount was {$50.00} more than the monthly payment and was to be applied to principle. What we discovered is that US Bank has only been applying {$22.00} of that amount to the principle. I called today and they said they would n't go back and adjust but would make sure that the overage was to go to principle only. They said I would need to prove that was what we wanted. I explained that my statement shows the {$22.00} being applied to the principle so that is acknowledgement on their end that they knew the overage was to be to principle. This has been going on since the onset of our loan. I believe it has been going to interest. The amount due has changed periodically due to increase in property taxes, but is still less than what we specified for application when we started autopay. I asked the  CSR  how made the decision where to apply the overage and why no one contacted us? What can we do about this? we can show we 've been paying over the amount due since day one.

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 2021-12-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: MD
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:
Hello CFPB, I 'm writing today to report issues with  XXXX  accounts negatively reporting on my   XXXX   and Experian credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company 's I submitted investigation request to were Experian and  XXXX .     For accounts being reported by  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .     The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I have  XXXX  missed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.

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 2017-05-11
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday  XXXX   XXXX  I used an ATM just outside the lobby area of Regions Bank branch located at  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX , GA. I attempted to deposit a total ( cash ) amount {$690.00}. The ATM only gave me credit for {$300.00}! I received a error message returning my ATM debit card to me and prompting me to contact support and provided a number in which to call. After receiving this message I contacted the support team and on   XXXX   XXXX   3 days later I was credited with what now I understand as a provisional credit. Prior to this date I 'd experienced issues with not only this ATM but also the ATM located at  the drive  through taking the cash I was attempting to deposit and not crediting the account.I always make my deposit in portions to ensure i will not be inconvenienced financially because of the issues with the ATM.Once I could confirm the deposit amount I proceed to deposit the remainder.On Thursday   XXXX   XXXX   my account was deducted for the amount of  XXXX  and I was told that the ATM was not inbalanced after further investigating and that I was given the {$390.00} as more of a courtesy. This has caused such discomfort and inconvenience to me and I have been really frustrated with the process of getting my funds returned to me. I have also been charged overdraft fees for items deducted from my account that was debited days before this even took place I have been to the bank 3 times in 4 days spoke to branch managers  XXXX   &   XXXX  whom are extremely nice & seem to be helpful following the days this catastrophe .I was told that the ATM was n't over & I have basically lost out on my funds .They have insisted that ' they would further investigate and also credit me for fees associated with this incident but have I have yet to receive my {$390.00}. I am requesting video footage of me depositing MY  MONEY & video footage of whomever  else is responsible for manually balancing the ATMS. I need whomever in charge of checking the bank cassettes to make sure the $ $ did n't get caught up in those as well.

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 2017-05-11
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
JUST LIKE MY WIFE  XXXX   XXXX   XXXX , I MYSELF APPLIED FOR  BARCLAYS  CARD AND WAS DENIED BECAUSE THEY ARE IN AGREEMNET WITH  XXXX . IF THEY CAN NOT GET OUR ELECTRNIC SCORES THEY JUMP TO OTHER BUREAUS W/O PERMISSION.     THIS IS IN VIOLATION DODD-FRANK, F.CA.C.T.A. FACT-ACT ETC.     WE WILL CONTACT OUR ATTORNEYS TO FILE SUIT AGAINST  BARCLAYS  AND   XXXX   FOR THIS ONLINE APPLICATION FRAUD.

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 2016-08-30
Company: Access Receivables of NC Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing me.

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 2016-12-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by me.

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 2016-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an ach payment returned in XXXX which I paid as soon as I saw the bank returned it. ( Within a few days ). Not only did this mortgage company charge a return check fee on an ach but without telling me put a certified funds only hold on my account. I have been trying to make my payment for the past 2 weeks and they refuse to accept it. They want me to spend more money and send it by XXXX XXXX. I offered my debit card and told them they could run it because if they were worried about the money not being there they would know with me on the phone because my debit card wo n't work if the money is n't there but that I have the money & I 'm just trying to pay them. Even the supervisor said they ca n't accept my payment. I am worried that I may lose my house because I am now over 30 days late.

Company response to consumer: Closed with explanation