BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: ALLY FINANCIAL INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was not told clearly what so every about my loans and how they needed to be re-payed. 

They also change my loan payment amount every year and do it without notice or warning. 
I have been lied to and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX family applied for a loan modification on XXXX. They called in multiple times for updates and each time they called in they were told the package was in review and nothing was being requested. On XXXX we called in and spoke to XXXX in Loss Mitigation and she said there was NO package in review nothing was ever received and that my home would be going to sale. I have the email trail showing this info was sent in, ( Please see attached ) and that my file was being reviwed There is no excuse as to why this has happened. My sale date is set for XXXX. 
The inability of XXXX XXXX/Loan Care to receive a simple Email/facsimile or simply maintain a file is inexcusable. Not only did I timely send the information, but a successful confirmation was kept as a record. The number of times that I spoke with XXXX XXXX/Loan Care to check status of my file should extinguish any opportunity to excuse their behavior. 
Between the misplacement of our financial documents and the poor communication from XXXX XXXX/Loan Care, it is clear that they simply do not want to review our file for a possible work-out solution. 

The events described above are just a sample of the practices that are taking place at XXXX XXXX/Loan Care. They appear to be more interested in foreclosing on my home and fire selling it at auction to make a profit. It appears that their lack of participation in a meaningful modification review of our file indicates a preference to profit directly from our hardships. 

We are demanding our file be properly reviewed or we will file a complaint in civil court with the following causes of action- Negligence, Fraud, violation of California Business and professions code 17200, intentional infliction of emotional distress, and promissory estoppel. 
My family has been discriminated on based on our race, ethnicity, language and national origin. We will name XXXX XXXX, XXXX XXXX, and XXXX XXXX as defendants in this civil matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. 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. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. 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. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i was checking my credit # XXXX, and notice that this company : PORTFOLIO RECOVERY ASSOCIATES Account XXXX Account typeDebt Buyer ResponsibilityIndividual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
this company purchase this so called debt, without my consent, i was a victim of a data breach and know all of the sudden i have this company buying debt without my consent. 
how is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, {$190.00} was taken from my bank account by PayPal. They claimed that the charge was an authorized recurring charge to pay XXXX and the App Store. I contacted XXXX and the App Store, but there was no such recurring charge and they did not receive the funds. PayPal support just closed the case claiming that I had authorized the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
Company: TD BANK US HOLDING COMPANY
State: FL
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:
In 2017 i reported some transactions on my account as a fraud because weren't made by me. After a longtime in communication with the bank, they send me a letter saying the balance were resolved in my favor, which I wasn't supposed to pay or be responsible because they said a credit was applied on the account for the balance. But for some reason the collection department still keep making daily calls, and sending invoice letters requesting the payment. In a call they say one department is independent of the other and the i need to settle the balance, which like i said, i have a letter from them saying it was resolved on my favor after they made the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to gather proof that the debt was mine such as some form of picture identity and signature but the company have refused to grant my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've tried to communicate with Mr. Cooper ( Nationstar ) since 2018, regarding a mortgage on my residential property. I was assigned resolution specialist XXXX XXXX. 

From XXXX, I've requested mortgage statements throughout, never received. 

In XX/XX/XXXX, I requested forms for a loan assumption, never received. I repeatedly inquired as to the status of these forms, and was referred to the " Research '' department. Over three months, the department never responded, even though XXXX was cc 'd on every email. 

In XX/XX/XXXX, I re-requested forms for the loan assumption using the enclosed letter. These were provided by XXXX. 

In XX/XX/XXXX, I was referred to the " Subordination '' department. I requested a response immediately, which I did not receive. As promised, I am now filing a formal complaint against Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX. 

-- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program. 
The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX. 

Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX  XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX   XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated. 

-- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX  until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter. 

-- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX. 

-- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part. 

-- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates. 

-- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: SYNCHRONY FINANCIAL
State: TN
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:
On XX/XX/2020 a charge for XXXX showed up on my Gap Visa Card. I called Gap on XX/XX/2020 and told them the charge was fraudulent. They opened a fraud claim, closed the card ending in XXXX and sent me a new card ending in XXXX. 

On XX/XX/XXXX, I called Gap Visa Card to check on the progress of my claim, I was told the claim was approved and I was credited XXXX. I communicated to the rep that it was not showing up on my activity page, but he assured me the money had been added back to my account. 

On XX/XX/XXXX, I received a call from Gap stating that they had finished processing my claim and it had been denied. I was very frustrated and told the rep that in XXXX I was told the claim was approved. She assured me that it had not been approved. After speaking to approximately 6 reps and managers on XX/XX/XXXX, I was told to fax over proof that I never made the purchase ; I did so. I have the fax receipt stating that the fax went through. 

After noticing that my balance was high, I checked my account and the charge for XXXX had been added back into my balance. Gap Card has the proof that this charge is not mine.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX  was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX  said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.

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 2020-05-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Knowing in the back of my mind that my interest was going to go up on a my Comenity Bank XXXX account on a deferred Interest plan on XX/XX/XXXX I called them to find out what the payoff amount was and was told y their representative, on a recorded line, an amount of {$2600.00} as of the XXXX. That day I sent them {$2600.00}. They've confirmed receipt. They've also sent me an Interest charge of {$700.00} and refuse to discuss any solutions other than paying that amount regardless of what I was told was the full amount due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.

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 2019-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2021 Unable to get annual free credit report from Experian. They took all my personal information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my credit report to prevent identity theft. Credit report links to a visual broken maintenance icon but no other page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with. They are collecting people 's identities and personal information with the promise of giving you your annual credit report but then are not issuing the report and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help consumers.

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 2019-04-30
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called on Tuesday, XX/XX/2019 and requested a deferment ( XX/XX/2019 and XX/XX/2019 payments ) due to a financial hardship. I spoke to a lady and she read the deferment agreement and informed me of my pin number, XXXX, and informed me that I would be emailed a deferment acknowledgment and I need to acknowledge within 24 hours as the pin expires. 

I received the email on Wednesday, XX/XX/2019 and I completed the acknowledgement from my mobile device and I landed on the " Document Acknowledged '' page. 

On XX/XX/2019, I received an alert that GM reported my XX/XX/2019 payment late. I called on XX/XX/2019 to figure out why, and the representative stated that the deferment was abandoned. I was confused as I completed the acknowledgement on my phone and that is when she informed me that I couldn't use a mobile device. She said that she would have to reset it up. 

I received a new pin, XXXX, and I completed the acknowledgement again, this time, on my laptop. 

I am requesting my credit is updated to current as this is an UDAAP violation as I was not informed that I could not use a mobile device on XX/XX/2019, nor when I completed the acknowledgment on XX/XX/2019 was I notified that it was not successful, therefore, misleading me to believe I completed the deferment successfully. 

Please call me at XXXX or email me at XXXX to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company just called me today called XXXX XXXX. Phone number XXXX. They said they were coming to my apartment tomorrow to serve me papers for an old debt from Citibank, over six years ago. The debt was XXXX, now its up to XXXX.the first man I spoke to on the phone told me they were going to come and serve me with a warrant. I am a senior citizen on social security.

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