BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a payment on XXXX that was removed from my checking account and applied to my balance. However on XXXX, Barclay removed another identical payment of hundreds of dollars from my bank account. The money is missing from my checking account and has cleared according to my Primary bank however, it is not reflected in my credit card balance, nor was it scheduled. Upon calling all they were able to tell me is that it was a known issue, and they were not able to offer any resolution. So they erroneously took money out on a random day for a payment that wasnt scheduled. They then offered no resolution or to make me whole because I incurred other fees due to funds not being available that shouldve been in my checking account.

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On several occasions over the last few month, Bank of America placed unauthorized charges on my Bank of America Credit card. I requested formally that Bank of America remove the unauthorized charges from my account. Bank of America did not find that I had authorized the charges to my account, but Bank of America refused to credit my account for the unauthorized charges to my account. 

The merchants whose charges were placed on my account never had access to my card number as I had never given this Bank of America credit card number to either merchant whose charges were placed on my account. Bank of America is acting contrary to law by placing unauthorized charges on my account and refusing to credit my account for unauthorized charges.

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 2022-05-02
Company: EQUIFAX, INC.
State: FL
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:
Equifax will not remove a duplicate entry of a credit collection company off of my report. Representatives at equifax agreed it was the same account listed with different open dates as to harasses ( me ) the consumer. Under the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there appears to be a late payment for XXXX 2017 reported by Kia Motor Finance. My payment due date at that time was the XXXX of the month. My XX/XX/2017 payment ( due on the XXXX ) was actually paid on XX/XX/2017. I have tried disputing this with XXXX however, they do not investigate and only submit an electronic request to Kia. Kia then responds that the information is accurate so they refuse to do any further investigation.I have spoken directly with them and they refuse to obtain any records fromn Kia and inform me that I need a letter from Kia in order to have the inaccuracy fixed. 

I feel that these agencies are not willing to aid the consumer, but in essence allow businesses to continuously report inaccurate information which negatively impact the consumer. 

I have attached records of my payment due date and payment history for your review.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-10-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Gm Financial states lien release letter was sent XX/XX/21. It was never recieved. Ask for them to resend and they direct to a website to charge me {$23.00} for a replacement on a letter I have never recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

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 2019-12-23
Company: Navient Solutions, LLC.
State: NV
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:
My loan Federal loan was transferred from Sallie Mae to Navient in XX/XX/XXXX of XXXX. I applied for federal consolidation in XXXX in order to begin my 120 qualified payments towards my Public Service Loan Forgiveness. Navient mishandled my loan and placed me on a graduated payment plan which was not applicable to the PSLF,  however I was assured that I was on a qualified payment plan. I was paying between $ XXXX {$560.00} a month which was not less than what I would have been paying on income driven repayment. I was told that I was on a qualified plan and after heading out of a temporary forbearance in XXXX, I paid on time payments from then until my loan was transitioned without my prompting from Navient directly to the PSLF  program on XX/XX/XXXX. Now I'm told that by the PSLF supervisor ( Employee XXXX ) that I only have 8 qualified payments. This doesn't make sense because he also stated that Navient has had me on income driven repayment since XX/XX/XXXX which would mean I have far more than 8 qualified payments outside of Navients mishandling of my loan. At this juncture, I should have at minimum 98 qualified payments on my account as of XX/XX/XXXX. In addition to this, Navient reported a default to my loan in XXXX that never occurred. This had a negative impact on my credit report and prevented me not only from borrowing but also from earning competitive interest rates on financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, the original creditor and consumer received a disrespectful debt collection letter from Gatestone & Co. International Inc. attempting to collect a supposed debt. The debt collection letter stated that Gatestone & Co. International Inc. is a debt collection company. With that being said, Gatestone & Co. International Inc. are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Gatestone & Co. International Inc. violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

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 2018-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX  Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX listed his property for sale on XX/XX/XXXX. An offer was received on XX/XX/XXXX in the amount of {$330000.00} from a well-qualified buyer. The offer received is sufficient to pay the XXXX and XXXX mortgages off entirely. A short sale would not be necessary and we are not requesting that the bank waive any resulting deficiency as all will be paid off through this transaction. 

A foreclosure sale date has been scheduled for XX/XX/XXXX and, in all of the borrower 's ( XXXX ) discussions with Ocwen, they will not agree to postpone in order for us to close on this transaction. XXXX has been working with Ocwen asking them for a postponement so that he can complete the sale of his property and they will not postpone. It is in Ocwen 's best interest, as well as their investor 's to postpone this sale and receive a full payoff on the note. 

Furthermore, XXXX performed XXXX military service in the XXXX during XX/XX/XXXX, thereby affording him protection under Servicemembers Civil Relief Act ( SCRA ). As you should be aware, real property owned by a service member before military service that is secured by a mortgage or deed of trust can not be foreclosed upon, sold, or seized during the period of XXXX or up to XXXX months after service without acourt order or the written agreement of the service member. Compliance with this law ismandatory. Failure to comply with this requirement voids the sale or foreclosure and maysubject a creditor to sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

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 2021-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My daughter XXXX sent money using XXXX that is available on USAA mobile app to a man name XXXX XXXX that was supposed to be selling a XXXX XXXX puppy on XX/XX/2021 in the amount totaling {$1600.00}. The seller appeared to be scammer and once he received the money he couldnt be contacted anymore. Trusting that usaa was allowing the use of XXXX on their usaa app platform we assumed that our money will be protected if we used XXXX. When we called usaa of the scammer issue they inform us that we might not be able to get our money back since we authorize the payment. I feel as a consumer that a big bank like USAA should only offer services that are protected or backed by their bank in case of these type of fraudulent activities. My daughter worked hard for her money and to be told that our bank for over 15 plus years cant protect her money from these scammers is a shame. I will be switching our bank soon as we feel betrayed. Thanks for reading. My name is XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.

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 2021-12-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing is not paying back the overpayment in ESCROW Good afternoon, Please I need your help to collect the money, but also fine SLS. 
What they do to me probably they do to other people. If I dont pay, SLS would fine me $ $ late fee and extra interest and collection fee. 
I ask for the same. I ask my escrow money and a fine payable to me XXXX XXXX XXXX XXXX of {$1000.00} SLS did not refund the {$2500.00} overpayment in escrow after selling the house XX/XX/XXXX. 
Today XX/XX/XXXX I still have nothing. I called SLS on several occasions, I also send out letters with the request to SPESIALIZED LOAN SERVICING to use XXXX  and send the check. 
I also reported this incident at XXXX 
The letter I add to this email is dated XX/XX/XXXX from SLS. 
It stated that they send out a check twice which I never received. SLS did mention that they can not track the envelope because it was send by regular mail. You would think that XXXX IS going to send a XXXX XXXX check overnight with XXXX OR XXXX  after failing again. 
They did not!! 
Today XX/XX/XXXX I gave SLS a call, XXXX, and spoke with XXXX, XXXX and XXXX XXXX from Arizona office. 
SLS has done nothing, what they good say that the checks where never collected. 
What miss XXXX mentioned that they are going, again, block the second Check and reissue another one in 15 days, so you should receive it, hopefully in XX/XX/2022. Ridiculous, against the law and absolutely not to tolerate. 
I told them that they have to reissue a check today and send out today or tomorrow, XX/XX/XXXX overnight with XXXX EXPEDITED and with a tracking number. This ups tracking number you have to Email immediately to me. They dont know, we can not do that. 
I told SLS that all your mail I received correctly over the last 5 or 10 years. Also this letter attached to the email I did receive. Co -accidentally, twice I did not receive the check. It probably was never send out, or maybe someone inside the company SLS is sitting on it?? 
SLS LOAN SERVICING IS IN DEFAULT BY law. 
Please, I hope you can help. 
They should loose their mortgage license by doing those type of behavior. 
I want them to wire the monies including a {$1000.00} settlement. I spend so much unnecessary time on it. Today XX/XX/XXXX th, still nothing. 

Thank you very much for your assistance, P

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 2017-04-18
Company: The CMI Group, 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 need validation of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX DEPT OF EDCUATION/XXXX XXXX never late DEPT OF EDCUATION/XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: TRANSWORLD SYSTEMS INC
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: Information belongs to someone else

Complaint:
Please note there is a fraud account Transworld on my credit report. I am requesting the removal of this account from my credit. I didnt open this account, nor did I authorize anyone to do so. Please see the attached FTC report and delete it from my credit at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.

Company response to consumer: Closed with explanation