vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
this company Mercedes Benz Financial Services claims my account is closed, repossed, Full termination/balance owing, past due with a remaining balance of {$6200.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. they have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number, reporting a balance on a reposseed car. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible! 
This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by MERCEDES BENZ FINANCIAL, repossessed in the state of New York, and sold by MERCEDES BENZ FINANCIAL on or about XX/XX/XXXX. Under the laws of New York and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX  Equifax XXXX, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXXXXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
bank of america didnt want to do anything to help 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 monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA XXXX states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that Experian XXXX and XXXX are neglecting to accurately investigate and report. Experian has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX  report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX XXXX Transunion, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA 605B states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that XXXX XXXX and Equifax are neglecting to accurately investigate and report. XXXX has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: SC

Complaint narrative:
I tried to contact the company by phone to explain to them i never open this account and they hung up on me over the phone i never applied for this loan when i seen my credit report and a call from them about i owe them that's why I'm disputing this account no knowledge of this account at all anyone can go online and open accounts up in people name and don't have knowledge of it therefore i ask that this account be remove from my credit file and not be held liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
In XXXX of XXXX, my husband and I caught XXXX. He was out of work for about three weeks and didnt receive a paycheck for a month. We fell behind on our mortgage. We contacted our mortgage company ( XXXX ) to let them know. We thought they would be understanding and willing to help. They were horrible! Asked all of kinds of personal questions as well as told us we had to pay it and there are no other options pretty much. They had one option to that they put us in which was their assistance program. We had to wait a month before they gave us an answer. After they month, we received a decision. They denied it because they stated they felt like we could pay it. How can you pay off youre 2 months behind and payments are steady coming in. I know that since Covid, lots of programs have been in place to help them in times such as this. We didnt ask for XXXX. It just happened and our mortgage company was the worst company that we dealt with. Everyone else weee very helpful and deferred our payments so we could easily catch up.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Under the Loan Details tab of my account with Specialized Loan Servicing, XXXX appears the following message : Specialized Loan Servicing does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to Specialized Loan Servicing on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict XXXX another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage XXXX for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage XXXX payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. Specialized Loan Servicing LLC ( SLS ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : Specialized Loan Servicing LLC, XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and Specialized Loan Servicing, LLC both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the Specialized Loan Servicing, LLC Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

Specialized Loan Servicing, LLC informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to Specialized Loan Servicing LLC, which they ignored and continue to state they did not provide information and will not respond any further.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
My homeowners insurance went up due to information my insurance was said was reported to them from Lexis Nexis. They said to contact lexis nexis in regards to what was in my report. I requested a copy of the information from Lexis Nexis ( case # XXXX ) and they said they would mail me information to obtain this report. Lexisnexis they sent me a password to log into the account and It does NOT work. I have called them 3 times but am unable to speak with a person there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
Previously reported Amsher Collections and XXXX for potential violations of the Fair Credit Reporting Act. I now have 2 unsolicited credit inquiries on my credit in addition to the negative information filed against my credit in violation of the Fair Credit Reporting Act. 

AMSHER : I will not call you- I refuse to voluntarily subject myself to your abusive language, threats and time-wasting tactics. 

Please provide a written letter stating that this information and all inquiries will be removed from my credit within 5 business days of receipt of funds. Your posting a bill that was never sent is not sufficient. Your Word document is also not sufficient. 

Your further delay tactics are noted and unappreciated. Since my last report, more of my information had been sold on the dark web relating to this account. These tactics are illegal and unethical, and will continue to be reported here and elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Loan Details tab of my account with XXXX XXXX XXXX XXXX appears the following message : XXXX XXXX XXXX  does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to XXXX XXXX XXXX on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict one another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage Loan for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage Loan payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. XXXX XXXX XXXX XXXX ( XXXX ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and XXXX XXXX XXXX, XXXX both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the XXXX XXXX XXXX XXXXXXXX Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

XXXX XXXX XXXX, XXXX informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to XXXX XXXX XXXX XXXX, which they ignored and continue to state they did not provide information and will not respond any further.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have A credit collevtion company reporting inaccurate information for a progresive account on my credit report. I do not have insurance with this company and have not had insursnce with this company. I wrote the company asking for debt validation and not debt verification. The company failed to supply valid validation that I owe them this collectipn bill of XXXX yet they are reporting this frauduent account to credit reporting agencies. This needs to be looked into because again THIS IS NOT MY ACCOUNT!! I HAVE NO KNOWLEFGE OF THIS ACCOUNT AND ALL REPORTNG OF THIS FRAUD ACCOUNT SHOULD BE REMOVED!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation