BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and XXXX I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
PERSOLVE LEGAL GROUP is now trying to collect {$17000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own  for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a {$120.00} payment to XXXX on XXXX/XXXX/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is {$35.00} in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on XXXX/XXXX/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of {$25.00}, but there is still {$10.00} in interest payments for credit I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Go Capital Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I built a home in XX/XX/XXXX and obtained a mortgage with XXXX XXXX. When they were purchased by XXXX XXXX XXXX, my mortgage was transferred to XXXX. I started to experience financial difficulties and could not make my mortgage payments. I spoke to a lawyer and he advised me to file a Chapter XXXX Bankruptcy. I filed in XX/XX/XXXX for the Chapter XXXX. XXXX sold my mortgage loan to XXXX XXXX in XX/XX/XXXX, who then sold it to Green Tree Financial ( now known as Ditech ) in XXXX. The first thing Green Tree did was add a {$35000.00} past interest charge to the loan. I have tried to contact Green Tree and they will not talk to me, saying that the mortgage is in an active bankruptcy. The bankruptcy was closed in XXXX XXXX successfully paying all creditors. I am trying to refinance my mortgage with XXXX XXXX. The first payoff they received in XXXX XXXX was {$190000.00} ( my original mortgage was {$170000.00} ). Due to so many issues with Green Tree the refinance was not closed quickly. When the second payoff was requested in XXXX XXXX it was {$200000.00}. I made {$6400.00} in payments to Green Tree over this time period ( from XX/XX/XXXX to XX/XX/XXXX ), yet the principal balance remained the same. The escrow balance and the past due interest both went up by {$4000.00} dollars. Green Tree has NOT paid any escrow payments over this time period. I need someone to help me sort this problem out as I can not reach anyone at Green Tree!! PLEASE help me!!! I do not want to loose my home due to a finance company that is 'playing games ' with my mortgage. How can the balance go up when I am making regular payments?? Please advise me as to what can be done, I am not willing to pay these people $ XXXX {$40000.00} extra money that both XXXX and XXXX NEVER asked for?? HELP!!!!!!!!!!!!!!!!!!!! 
I did try to do a loan modification with Green Tree, they kept sending my bankruptcy lawyer letters saying I was not providing the information they requested. I have proof of information sent via FAX showing dates they were received by Green Tree. They have since told me that the time line for the loan modification has expired?? I need some help to get this resolved!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX-Late/Open Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you so much for responding to my complaint. But nothing in that response said anything that happen in XXXX. Yes I was approved for my XXXX modification in XXXX after I filed Bankruptcy. In XXXX I received my check back from you guys and I called and the rep from Bank of America ( bofa ) said they could n't find my Modification ( Mod ) paperwork. They said they can not accept any more payment until they find it. As we wait for the process. I received a call stating that they found it and also I 'm APPROVED for a Principal reduction. She also stated that she will be sending my paperwork for me to sign. 
Question : Where is the paperwork, I 've called every XXXX days until the end of XXXX and everyone kept telling me it 's on it way. Also XXXX time I called they said the department is closed down. So it will take a little longer. Now since this was going on of course the payments are falling behind. Yes I filed a complaint to my Attorney General office about speaking to so many different people and getting different answers. That 's why in XXXX they gave me XXXX person to speak too. So my question to Bank of America why you guys gave me the run around and then you knew by me applying for a XXXX modification within XXXX years that I was going to be denied. Also when I was already approved for themodification that you guys lost but then found. Why you guys did not give me the proper paperwork for the Principal reduction. I really think for the year of XXXX sounds very odd. And I was misled as a customer seeking for help. XXXX bank of American should had kept my check and not sent it back. Can you please explain to me what happen in XXXX. I was paying on time after my bankruptcy. I know you guys transferred me to XXXX but it started with you guys. And I feel they need to clear this up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am writing to file a complaint against Citi Credit Card for failure to honor its Bonus Cash Back offer. I applied a Citi Double Cash Mastercard in XX/XX/2020. According to the approval notice, there is a {$50.00} Bonus Cash Back after {$500.00} in purchases within 3 months of account opening. I spent {$940.00} and {$870.00} in XXXX and XX/XX/2020, respectively. I have long met the offer requirements and I contacted Citi Credit Card 4 times regarding the cash back. To date, Citibank has not provided me the {$50.00} Bonus Cash Back. 
I contacted Citi representative in mid XXXX. The representative refused to give me the Bonus Cash Back. The representative stated that my current bill was past due meanwhile the bill was not yet due. On XX/XX/2020, I contacted Citi Credit card and the representative told me that the Bonus Cash Back would appear in the XXXX Statement ; however, there was nothing happen. On XX/XX/2020, I contacted Citi Credit Card. This time the representative told me that I still had {$430.00} left to spend and I had not reached the {$500.00} purchase requirement. On XX/XX/2020, I contacted Citi Credit Card, the representative told me that the Bonus Cash Back will appear in my account. As of XX/XX/XXXX, Citi Credit Card has not provided me the {$50.00} cash back. 
Citibanks offer appears to be misleading. I met the requirements in XXXX. Now it is XXXX, there is still no cash back. I contacted Citi four times. Of which, 2 out of 4 times, the representatives refused to acknowledge of my entitlement to the {$50.00} Bonus Cash Back. Citibank should provide robust training to its representatives on how to review customers accounts and be familiar with its new products instead of making bold and misleading statements on a black and white written offer. In addition, if the offer is invalid then Citibank should not advertise such offer to the public to mislead customers. When a customer makes a late payment, Citibank charges a hefty late fee. Citibank put my cash back on hold, what late fees and interest should they return to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2022-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX an my wife 's name is XXXX. Back in XX/XX/2002 we had taken out a small 2nd mortgage with XXXX XXXX  XXXX in the amount of {$28000.00}. On the same date XXXX XXXX  Assigned this mortgage to XXXX XXXX, XXXX XXXX, PA We refinanced this mortgage on XX/XX/2002 with XXXXXXXX XXXX XXXX  XXXX. We have paper work that shows that XXXX paid off the XXXX XXXX  loan on this date. 

The problem is that XXXX XXXX  never filed the Satisfaction paper work with the XXXX XXXX XXXX Pennsylvania Recorder of deeds office.

We now have applied for an Equity loan for repairs to our house now and have been denied because this loan satisfaction was never filed by XXXX XXXX  XXXX 

I contacted Citizens Bank over 45 days ago and was informed that this process would take up to 45 days to complete this task. To date I have not been contacted that this matter has been taken care of or that the Recorder of Deeds office in XXXX XXXX has been issued a satisfaction statement. 

Every time I contact Citizen 's bank I keep getting a different story. We need to get a satisfaction letter to the XXXX XXXX recorder of deeds so we can proceed with a much needed current loan wiht which we have applied for with a different bank. 

Attached are the recorded paper work the recorder of deeds has in regards to the initial loan with XXXX Mortgage and the assignment that occurred on the same date on XX/XX/2002. Also attached is documentation I obtained from XXXX XXXX XXXX showing that the XXXX XXXX  was paid off on XXXX, XXXX, XXXX  in the amount of {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Their investigation did not fix an error on your report

Complaint:
I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied to OCWEN, the loan servicer for a modification of my loan. OCWEN responded to me that XXXX XXXX does not allow modifications. I searched online and found that XXXX XXXX participates in both the HAMP ( modification ) and HARP ( refinance ) programs. 
I believe that this is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU is required to remove any account not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 

XXXX XXXXXXXX XXXX XXXX XXXX, MT XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXXXX/XX/XXXXBalance {$0.00}

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation