BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: CA
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:
There was a fraudulent debit on my checking account at a XXXX gas station in XXXX California on XX/XX/XXXX for {$99.00}. I am not in XXXX California and my card is with me. I placed a claim with Citibank on XX/XX/XXXX and was promised a provisional credit within 10 days. Citibank has not provided the provisional credit has not resolved the claim and had not researched the fraud. I have called 4 times, reached out through their website, their online banking service, and through social media, and no-one can help. It is now XX/XX/XXXX, and when I called today, I was told we are still researching the claim and it will take 48 hours. This is the THIRD time I have been told this exact same information.

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 2022-09-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made an online purchase at XXXX on XX/XX/XXXX for a new oven to be installed on XX/XX/XXXX but received notice it would be delayed to XX/XX/XXXX due to back order. My Home depot Citicard charged me on day of purchase rather than day of delivery in the amount of {$1200.00} on XX/XX/XXXX and began accruing interest plus install fee for an item where delivery date is now unknown. I called CitiCard to explain that I shouldnt be charged until item is delivered and installed as paid for. I dont agree with charging the customer for items with no firm delivery date but rather when item has been received and installed with purchase paid for. This is the normal process for XXXX XXXX and XXXX amongst others. Is this legal to have to make payments without receiving the actual item. Most others dont charge customer until item is delivered.

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 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Capital one called me an initiated a fraud investigation about a loan that was deposited into my account via the SBA that I was approved for forgiveness for. They proceeded to ask me for documents in regards to my XXXX Tax Paperwork which was not used to obtain the loan, my XXXX paperwork was. I find this to be discriminatory as a friend of mine whom is also a business owner and banks with capital one was not subjected to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from rent track was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.

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 2022-09-09
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2020 my mortgage was onsold to Statebridge. Due to XXXX, I was unable to travel to my home in the USA. I emailed Statebridge about the situation repeatedly. I also utilised their Customer Service number, but it was rarely answered, even after waiting on the line for more than an hour. Statebridge did not notify me, but blocked online payments. I have always had more than adequate funds to pay the mortgage, but was unable to make payments, despite the Statebridge platform saying that the payments were successful. It wasn't until many months later that I was informed they STOP allowing payments on line where a payment is late. This makes absolutely no sense, as consumers who can only pay online are locked out of paying their mortgage. I was then forced to wait hours every month to try to pay over the phone. I have dozens of emails to Statebridge requesting help and assistance. Their IT does not work- I get error messages which I have taken screen photos and requested assistance. No help at all. Once or twice a year, I spoke with someone who would assist with payment, but all my requests for emailed statements and for a person I can call - these were met with silence. They recently changed the customer service number to ( XXXX ) toll free number which is NOT AVAILABLE outside the USA. When I dial XXXX XXXX on her direct line, she never answers - I have documented this on many emails. There is never an opportunity to speak to anyone and no assistance. I have been charged a huge amount of late fees, directions as to payments are not followed, errors in the IT systems make the online platform an absolute joke. Worst company I've ever dealt with. They aren't trying to assist customers or provide customer service. I request my loan be on-sold to another company that has nothing to do with Statebridge. I want my late fees refunded. I want to be able to use the online system which appears to have been built so that it does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. 
Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I was divorced in XX/XX/XXXX. In the Settlement Agreement, my ex-wife and I each received certain assets and their related liabilities. One of the assets my wife received was a XXXX XXXX XXXX that was being leased from GM Financial Leasing ( GM ). She assumed the responsibility for the lease, and made the payments following the divorce. She ended up turning the car in early because she had a lot of miles on it, and there were charges related to the early termination that she apparently didnt know about. She acknowledges responsibility for those charges, which are around {$7000.00}. 

Unfortunately, she never transferred the vehicle out of my name, and when she didnt pay the charges ( which I knew nothing about, and for which I was not responsible ), GM put the default on MY credit record. This is the first negative credit report I have had in my life and my 45+ years of making payments on time. 

I refinanced my mortgage a few weeks ago, and during that process, learned about the negative charge on my credit report. I can provide you with the notice I received from GM through the mortgage company, and I can also provide the section from our Divorce Settlement Agreement which clearly shows that my wife is responsible for the payments related to the XXXX XXXX lease ( which she does not dispute ), and that she agreed to defend me and hold me harmless for any liability related to it. 

I need to have this negative charge removed from my credit reports as soon as possible. It is affecting my livelihood, which is commercial real estate development. GM told me that they already written the debt off. If they want to pursue my wife for the balance, that is their choice. She will not fight it ; she has agreed to pay them. I have nothing to do with it, and any negative statement or comment should be completely removed from my credit reports. The rep from GM said that if my wife pays it, they will change my credit record to say " SETTLED. '' That is NOT acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX / {$230.00} / XX/XX/2022 XXXX XXXX / {$5900.00} / XX/XX/2022 XXXX XXXX XXXX / {$5300.00} / XX/XX/2022

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 2020-03-31
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Return the lease on time but they refused to sell the car and put too many charges and fees, according to them do to my credit score the refused to sell the car or give me another lease which its fine but they put many fees ( fees for return the lease and not getting another ; fees for extra miles, fees for small scratches in the seat, fees for a scratch in the window, fees for re stock the car ) some many fees and refused to negotiate the miles and or to give me the option to purchase the car as it- They never provide for my a detail of the charges when I sow the charges in my credit report I contact them and ask for an explanation they only gave me verbal information about the charges but nothing in write!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had my Walmart Credit Account since XX/XX/XXXX. My account with Walmart/XXXX XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, Walmart and XXXX XXXX converted some accounts over to Capital One. Capital One subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, Capital One is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had Capital One not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If Capital One would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from Walmart XXXX XXXX -to-Walmart/Capital One, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}

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 2020-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry on my report from XXXX XXXX  XXXX XXXX and Equifax Mortgage XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with XXXX. They wont even put in. Dispute or help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.

Company response to consumer: Closed with explanation