BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has been working with Seterus to be reviewed for alternatives to foreclosure. Upon suggestion from Seterus, XXXX listed the property for sale as a short sale and subsequently received an offer on his property. Upon submitting the 3rd party authorization to Seterus on XX/XX/XXXX and the full short sale application to Seterus on XX/XX/XXXX, I was advised that " Seterus is way too backed up and behind to even work on getting the borrower 's authorized third party onto the account any time soon ''. I was also advised that " because Seterus is so behind, we probably wo n't even get around to this short sale for the next month. 

It is inexcusable to take two weeks to have a borrower 's AUTHORIZED third party listed on their account to speak on their behalf. It is also inexcusable that this homeowner is trying to avoid foreclosure, has a valid hardship, followed the steps he was advised to take and is being told that his bank simply wo n't have the time to help. There is a foreclosure sale date coming up and Seterus wants no accountability. I do not know what games Seterus is trying to pull but this is not helping their borrower - it 's pushing him into a further hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been 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 non-monetary relief
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Continental Finance Company, LLC
State: FL
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:
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you 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 2015-12-23
Company: General Motors Financial Company, Inc.
State: VT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
it says that AmeriCredit ran a report on XXXX/XXXX/15 I do not know how this happened I never said that this could happen the only report that should of been runned that day is for XXXX XXXX XXXX XXXX, VT. 
What can we do to fix this problem. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Paypal Holdings, Inc
State: NM
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Sold a car. Buyer deposited XXXX into my Paypal account then on delivery and acceptance deposited {$9500.00} on Sunday XXXX XXXX, 2016. On Monday at XXXX ; XXXX XXXX. I transfered the total, {$9900.00} to my bank account. Three days and six hours later nothing is transfered. My bank says " as soon as we have your transfer we will put it in your account normally XXXX to five days '' I asked why XXXX five days and my bank says they do n't know. Pay pal says the have sent the fund to the Federal Reserve where it will be processed and sent on to my bank normally XXXX to 5 days. I asked why XXXX to 5 days and Paypal says the do n't know probably a Federal Reserve policy. I ask why XXXX to 5 days when XXXX XXXX can do it in XXXX to 4 hours? I suggest that I should have suggested a XXXX Bus as it would be faster than XXXX to 5 days. Federal Reserve that they receive a " file '' of transfers from Paypal with instructions for the Federal Reserve to not release the funds for two days. 
Questions. Is Paypal making very short term loans like the overnight bank loans with my money? Why the two days at the Fed? The Fed says they process the transfers four times a day seven days a week. that is Paypal doing with the other two days?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
PayPal enrolled me in PayPal Credit without me knowing that they had enrolled me and when I made a purchase it went on the PayPal Credit account instead of my regular PayPal account which is hooked up with my XXXX I later tried to purchase antivirus for my computer and it would not go thru then I find out I owed PayPal Credit {$75.00} I have a XXXX of problems with this. 
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Excessive hold times on funds owed to me via paypal. I opened an account to facilitate payment to me from a guest wanting to stay at XXXX of my vacation rentals, and they wanted to pay with paypal instead of through my credit card merchant account. After i opened the account, paypal said I would have to wait 21 days before I would receive the payment, which coincided around the time they were supposed to check into my rental. On the date my funds were supposed to be available, I logged in to transfer them and the funds werent in pending status anymore. I contacted paypal and they said I did not verify my email when I set up the account ( I did ) and now I have to wait ANOTHER 21 days before receiving funds. Meanwhile, my guest needed a place to stay on their vacation, so I granted them access to the rental. The guest called paypal, spoke to a supervisor, and paypal told her that they would release funds to me within 2 hours of her call and reverse all the fees they were charging me. Well, the funds are STILL on hold for another 21 days- they did not release funds to me and did not reverse the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello - I have a entry on my credit report from National Credit Systems. They say I owe an old apartment complex I used to live in for a couple of months rent. However - I had moved out early from the apartment, thus ending my contract early. I even paid the early termination fee. 

However - National Credit Systems is saying that I owe the apartment complex for the rest of the contract, even though I cancelled it early. I have told them that, and they still entered the information onto my credit reports. 

I can provide evidence that I cancelled the contract early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.

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 2016-01-18
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
WE made a payment on our cc on XXXX. the conformation # XXXX. In the online payment instructions it states that payments are posted to the account within 48 hours. I called them and was on hold for about 30 min. i was told the funds would post to my account on XXXX! The funds were taken out of our bank account on XXXX. We believe that customer service is not a priority with this bank. They exhibit traits that lead us to believe that their financial profits are their only concern. ie ... long phone hold times and when payments are made the www instructions on the payment page are what consumers look at, NOT the fine print on the agreement. Due to their sharp business practices we will pay off the card and cancel it. 
Respectfully 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 2016-08-10
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I fell for a well orchestrated sale pitch by a group called " It 's Just Lunch '' and let them charge {$2800.00} on my Barclays Bank credit card. When I soon realized it was a scam ( 8 days ), I called Barclays Bank to dispute the charge. I mentioned that this company was the subject of a class action suit for scamming others like they did me. Barclays waited 30 days and came back with the lame excuse that they could not take sides in this case and they could not dispute the charge with the merchant. I sent them an email to cancel my card. They turned around and added a {$75.00} annual fee and charged me {$50.00} for a late fee ( 4 days late ) for not making my payment on time. The whole thing cost me {$2900.00}. I can not believe this bank is allowed to operate in our state. I 've spoken with XXXX the Attorney General 's office ( XXXX ) and they are also reviewing the case.

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 2016-08-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my EQUIFAX credit report, I noticed that on XXXX/XXXX/2014, an unauthorized inquiry was performed by employee of this XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX. I did not authorize it nor consent to it.This conduct is in violation of my privacy Rights and FRCA Sect.16 : 1b ( c ). I have personally requested that this adverse information be removed from my report but was denied by EQUIFAX stating that after investigation that the inquiries are factual record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a mattress for XXXX $ from XXXX and selected 2 years no interest financing. I told the financing officer to set the auto pay to pay off the mattress in 2 years. I set up an auto pay to have the mattress paid off in 2 years, so as not to be hit with any interest. I came to find out Synchrony Bank only collected the minimium payment for those 2 years, then charged my remaining balance ( XXXX $ ) with over XXXX $ of interest charges. The loan was then charged a monthly 29 % interest rate and I owe XXXX on the mattress today. My explicit instructions to the finance officer at the mattress store was to set my auto pay to be complete in 2 years, and I was not aware of a possible 29 % interest rate, as well as being charged for back interest. 

At no point was I contacted by the company, I never received a loan document, nor was I called or emailed. I have moved, but submit address change documents with the post office.

Company response to consumer: Closed with monetary relief