BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.

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 2018-11-09
Company: Shellpoint Partners, LLC
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have sent four payments in the total of {$8000.00} to Shell Point Mortgage   they have returned all payments and have now put me in foreclosure status. When i called them to ask why they were not excepting my payment they stated i was in an inactive status. Now they claim I am eight months behind and are demanding {$19000.00} due in thirty day. Please help me with this situation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PLAZA HOME MORTGAGE, 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: Account information incorrect

Complaint:
I have contacted XXXX and XXXX about this issue numerous times in the last year and have gotten no resolution, I am told to contact the creditor that refuses to correct the information even though I have a court issued Discharge and Creditor matrix proving that the accounts are being incorrectly reported. The accounts are : - Plaza Home Mortgage  this account was included in the bankruptcy and is still showing late and does not reflect as being included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've done business with this company for years. However, end of last year, they processed my payment on the wrong date, when amount in the bank when they DID attempt to charge was ~ {$5.00} under. I do not have the specific amounts at this moment, as I have a short time window today to file this complaint.

They then tried to process it again, without permission, resulting in NSF charges from my bank. Their attempted charge was about {$86.00}, with my having about {$81.00} in, resulting in two NSF fees of {$35.00} each, then causing my next {$10.00} autodraft for something else to be ALSO returned with yet ANOTHER {$35.00} NSF fee. Due to this, I've lost access to my bank account, and accumulated a $ XXXX/day negative balance fee, since XX/XX/XXXX. 

I've explained this one day to a XXXX XXXX XXXX representative, who was very friendly and said she understood. I expressed about that it was just after noon, that I'm at work, and I already got 2-3 calls before she called. She said they have no control over them,  that they're automatic and can not be controlled unless I pay my debt. She informed me that XXXX would issue a check for the amount they costed me, if I provided proof of the overdrafts. Something I explained I do not have a way to send her, as my printer doesn't work right now, and she refused to give me a way to email the documents. 


Since this day, back in mid XX/XX/XXXXr, I have received at least two calls from them a day. The past 2 weeks, I have received 4+ calls a day, including from new numbers when I have one blocked. They've gone so far as to SPOOF phone numbers with my local area code, to call me. One of these happened today. 

I have told them I'm on the National DNC registry, that they're calling during all hours, including when I'm sleeping ( every day, they call XXXX ), and that they're calling me at work. They persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraudulent account listed on my account from XXXX XXXX XXXX  XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the sane way that XXXX  and XXXX  has done on their end.

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, transunion and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.XXXX   came back certified that they are mine.both transunion and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

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 2019-06-22
Company: Accounts Receivable Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019, I received a certified mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX it is a legal affidavit for garnishment against a bank account. Accounts Receivable, Inc, Washington trying to collect {$2900.00} plus interest of {$2100.00} and this account was already been paid a long time ago. It was not in Credit report any longer such as XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I reached out to this company several times as they are reporting A medical bill from XXXX XXXX XXXX. I have not nor have I ever recieved care from this facility or any other facility during the time they are reporting. I wrote A letter to the company requesting proof of this debt. Showing orginal documents with my signature and photo copy of DL. Which they would have if I seemed there service. I have not recieved a response and this incorrect information is still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX  and equifax completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.experian came back certified that they are mine.both XXXX and equifax verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For the past few months, I have been in contact with all of the credit bureaus due to me becoming a victim of identity theft. XXXX  and XXXX  has since responded and removed majority of the fraudulent accounts. Transunion on the other hand has not responded with accurate verification. Accounts XXXX XXXX, XXXX, and XXXX  XXXX XXXX   still remain on my Transunion report. I have included several pieces of supporting documentation which included a copy of my Federal Trade Commission report. I also requested for fraudulent addresses, names, and other personal information to be updated and corrected. I never have been associated or received any money, goods, or services in relation to the fraudulent accounts mentioned above and I have taken specific measures on my part to have them removed. As part of the Fair Credit Reporting Act sections 605b, 609, and 611 Transunion must be held accountable and remove the fraudulent accounts in question.

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 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.

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 2019-06-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX 2019-Current GM Financial My automatic payment had been stopped, without authorization by me ( was set up over the phone upon getting the GM Financial loan initially ). Apparently GM financial stops automatic payments after 20 months, and I was not aware. I logged into the GM Financial website randomly in early XXXX, and was told notified via the GM website that my account was past due. I entered my account/banking information to pay, thinking this was unusual but considered it a fluke since I had been paying automatically for YEARS. After I entered my payment, it said my payment was processing. 

I followed up by logging in today to make sure this month 's automatic payment would go through, and see that my last payment was never processed, and now I've been turned over to collections. I've never had a late payment on any of my accounts, and this is going to ruin my credit. 

Up until I had logged in and noticed my account status, I had NEVER been contacted. I spoke to a representative today who told me they had an incorrect number in my account, and had been calling an old number. 

I'm asking that GM Financial please remove this from my credit report, especially since their system for payment failed, and they failed to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Bank of America with a {$1500.00} ETF transfer .. 
They are refusing to allow me access to the money because they can't authenticate that it is me until I am Authenticated .. After hours on hold and many phone calls they insist that my only option is to go to a branch and provide an ID. The nearest branch is a 3 hour drive from me .. 
Clearly they could ascertain that it is me in many other ways but they the will not .. 
I have no way to access my funds and I want them returned and this account closed .. 
If they can't provide me with a means to authenticate myself then quite clearly they are denying me access to funds. 
I want the money back ..

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 2021-02-11
Company: General Motors Financial Company, Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have had a horrible experience with GM Financial which I need you to know about. My XXXX, a lifetime GM customer and current lessee of a XXXX XXXX, passed away last year on XXXX morning XX/XX/XXXX. On approximately XX/XX/XXXX, I reached out to inform your company of his passing and expressed my desire to arrange to keep Dads XXXX. In my letter dated XX/XX/XXXX, as requested, I provided XXXX XXXX XXXX as well as a letter with my contact information, requesting information on taking over the lease or purchasing the vehicle outright. Earlier this evening ( XX/XX/XXXX ) I heard loud exhaust in the front of my home and was horrified to see a tow truck hooking up to my XXXX vehicle. I ran outside in my socks and pleaded with the driver to allow me to remove some of my Dads belongings. I immediately called GM Financial to understand what was going on and spoke with XXXX XXXX XXXX XXXX in the reinstatement department. XXXX began by telling me the vehicle was past due and that GM hadnt received the proper paperwork to communicate with me. I explained to her the situation and she confirmed she received the letter. It defies all logic that a simple call or email wasnt delivered to inform me of the required documentation. XXXX was unreasonable, lacked empathy and shredded the GM brand with her dismissive and condescending attitude. She chastised me for not delivering the proper paperwork or making payments I would have happily made payments if an invoice was provided. I am sickened by the way this was handled. I have a $ XXXX XXXX in my driveway I dont even want to look at. My father served our country during the XXXX XXXX in the XXXX XXXX and always preached to us kids to buy XXXX. He was proud to drive GM vehicles his whole life which makes this experience feel like a harsh betrayal. I can not understand why GM would deny us the opportunity to arrange to keep the vehicle and instead, opted to cause me the traumatic experience of watching my Dads vehicle being towed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2021 I opened secured credit card in Capital Ona bank. I put {$200.00} security deposit as a transfer from my XXXX XXXX deposit account. It was accepted by Capital One. On XX/XX/XXXX, I received credit card. I followed instructions to activate it online, but activation failed. I called customer service and they told me they need to verify my ID. I have SSN, valid US EAD and valid XXXX passport but none of these documents were recognized by Capital One. They said they need driver license or state ID. I do not have these types of ID and asked to close my account and return {$200.00} security deposit back. They said it will be returned in a term of 2 billing cycles. My money were never returned to me. No update was provide ether. 
Today, XX/XX/XXXX, I called Capital One and they said they can not return my money because my account is locked and they need to verify my ID. I provided photos of front and back of my valid EAD but they refused to recognize it again. They refused to return my money back. I tried to escalate but was a dead end. They said they use barcode reader and it doesnt read EAD barcodes .... This doesnt sound like valid legal argument. Basically they refuse to recognize government issued ID. Please help me to get my money back. 

My customer number : XXXX XXXX XXXX Capital One case number : XXXX XXXX Employee ID I spoken to : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my credit card with Bank of America in full. I received the letter from them two months later saying I have a balance and interest that was late. I called bank of America and explained the situation to them they told me they will adjust my credit back to its normal, they gave me ref # XXXX, a week later I received a later from Bank of America stating that they are unable to approve my request regarding my credit report and removing the 60 day late in XX/XX/2018.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation