BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I first tried to close my PayPal account. Merchant ID XXXX. received an error message that a transaction was in process. I tried again three days later - same error message. A customer service agent told me it would take three days for the transaction to clear. So I tried again on XX/XX/XXXX and got the same error message. this time I could not reach an agent. Instead I got an endless email voicemail- for 2 1/2 hours. I just ask that PayPal close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Urgent Complaint XXXX XXXX XXXX To : XXXX Wed XX/XX/2022 XXXX XXXX  Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX Citizens  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 



Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 



The merchant continued to charge my card, however, even after I had canceled the transaction with them. 



The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 



I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 



I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 




Thank you for your kind assistance and look forward to hearing from you. 



Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had gone into bankruptcy XX/XX/XXXX. At the time XXXX XXXX was my provider. When my bankruptcy was up XX/XX/XXXX/XX/XX/XXXX, I never heard anything from XXXX XXXX. Finally, XX/XX/XXXX ( or so ) I was starting to receive e-mails about my student loans, requesting me to respond if I wanted them to go into forebearance. I never received any information that Navient was my provider, so I deleted the e-mails. When I did finally respond to the e-mails, they explained they could n't discuss it through e-mail. So, I called, and when I called, I inquired about the teacher forgiveness program. They asked me why I had n't been paying and I explained I had n't been receiving anything. They asked me if I wanted to put my loan into forebearance and I explained yes, because I was n't aware money was due. They said they 'd send me information about the teacher forgiveness and took my address down. After about XXXX weeks of not hearing or receiving anything, I contacted them again. They took my address again and said they 'd mail me. This time, about a week or two later I received the application for teacher forgiveness, which I filled out and sent to my district office to complete ( human resources ). They explained that it was mailed out XX/XX/XXXX. At about this time, I also started to receive e-mails again asking if I wanted a forebearnce on my loan. I went and paid XXXX months that they said I owed for, about {$100.00}. They inquired about why I was late and I explained it was because I had n't received anything. The confirmed my address, and despite having received the forgiveness application, they had deleted the new address from the system and so they updated it again. To date, I still have n't received a bill or anything from them in the mail, nor have I received infrmation about if my teacher forgiveness was approved/denied, or whatever ... ... .I 'm rather irritated as I am trying to fix my credit and I 'm hearing nothing from a company that I have given my new information to multiple times now. I 'm trying to make matters right, to fix my credit, but their shanagins seem to be holding me back from succeeding in getting rid of my bad credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I called this creditor to obtain further information in this alleged debt. They could not provide me with verification and or why this is listed as a past due and collection, How is this possible? This is an alleged XXXX Debt of {$100.00}. Please remove this inaccuracy from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LD Holdings Group, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re : Loandepot. 
My aunt died in XX/XX/2019. She was XXXX. She had a loan on her house with loan depot, that was not due to be paid off until she was XXXX. 
She lives in Florida, we live in the XXXX. It took a little while to realise that she had a mortgage. 
In XXXX, we contacted Loan Depot to explain that she could no longer make payments. They said, " they would only talk to the personal representative ''. In XXXX, I phone them again. They said that they would not speak to me until we had the court order confirming that I was the PR. 
On XX/XX/XXXX, we received the court order. I immediately contact loan depot again. They requested a copy of my aunt 's death certificate and a copy of the court order. This had to be sent by post as they do not have a secure email address. Additionally I sent a copy of my photo ID as I suspected that they would need this. 
I did not hear back from them. 
On XXXX XXXX I phoned them again. After 26 minutes I spoke to an someone ( I have the name and ID ) who said they were still reviewing the documents and there would be an outcome on the Friday XXXX. She would not tell me any more, nor how I could be expected to hear from them. But she did say they would not make an international phone call and that they would not email. 
On XXXX XXXX, I had still heard nothing. I phone again. After 69 minutes on the telephone, I was told that they had no idea when we would hear. 
On XXXX XXXX I phone again. Apparently they sent further correspondence Mailed XXXX Additional documentation has been requested, photo ID, I had already sent this. I would need to make a payoff request They have started to forclose on the loan. 
Their system, is unable to cope with an overseas address! 
They have approved me as the personal representative, but as they have started to forclose on the loan, I would need to speak to the forclosure attorney The loan passed on on XXXX XXXX. 
We are now being charged attorney fees and costs, late fees and interest. 
I have not received any written correspondence yet from Loandepot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Exeter Finance Corp.
State: SC
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:
I went to purchase a vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made a few payments before I found out about the Uniform Commercial Code, Fair Debt Collection Practice Act, Fair Credit Reporting Act, Trust Law and Contract Law. Which explains the XXXX XX/XX/XXXX XXXX I asked Exeter Finance who claim to have loaned me some money for the vehicle a few things I've learned. This what I asked : Expressing The Trust Agreement To Settle The Debt. Everything is a XXXX because there is no money, there is no value available to be given as consideration. So a XXXX fills the void. Trusts were put in place in XXXX XX/XX/XXXXwith the taking of the gold. Exeter Finance colorable contract is wrapping and hiding a XXXX at its core and the gifting of the 'res judicata ' or the principal of the XXXX forms the corpus of the XXXX. A Trust which I Am the XXXX and Beneficiary of and Exeter Finance are the Trustees and assumes Fiduciary responsibility for managing those assets and carrying out the purposes of the Trust. My signature and Social Security number was the representation of the XXXX and all my past, present, and future labor, i.e. my assets. It's impossible for Exeter Finance to have ever loaned me any money. My signature and my Social Security number is the res judicata, i.e. the value and the principal. I Am XXXX XXXX here as Beneficiary of this XXXX Agreement. I Am asking ; Will Exeter Finance as Fiduciaries of this Trust Agreement, do what is necessary and best for the Trust by settling the debt to this Account XXXX? PLEASE ONLY CONTACT ME IF ITS CONCERNING DOING WHATS NEEDED TO SETTLE THE DEBT. 

Exeter never responded back by mail nor called to handle the matter. Instead they attempted repossessing the vehicle. It failed so they reported to my consumer report as Charged Off. I reached out to get my Title and I still haven't heard any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Tran union is allowing XXXX XXXX XXXX XXXX report to my credit file this is a unverified debt an update in there credit XXXX is not what I am talking about this account was placed in collections I want to know why XXXX XXXX is allowed all total this account is being report 4 times it was reported with a XXXX balance and needs to be removed No dispute needs to be opened this account 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 non-monetary relief
Consumer complaint received 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
this not my credit card w/XXXX XXXX please remove from all XXXX reports. 
thank you.

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 2021-01-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.

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 2022-03-25
Company: Credit Control, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people I assume are trying to collect a debt for my XXXX XXXX  who XXXX  with bills and zero assets. They are calling my work phone # and Ive answered and told them repeatedly that this is a business phone and to stop calling. They keep calling. Ive told them that I would report them if they keep calling so here we are. I dont know how these people even got my work number, but this needs to stop. 

Credit Control XXXX is the # they keep calling from.

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 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX allerted me that a Capital One CC was opened in my name by someone that I did not apply for, it was approved on XX/XX/22 and mailed out to someone on XX/XX/22, we notified Capital One on XX/XX/22 and it was cancelled by their fraud dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.

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 2021-01-11
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My lease was up in XX/XX/2021, so in XXXX I contacted my dealership/salesman to start looking for a new vehicle to lease. Well, I was told that due to supply and demand, there were no XXXX vehicles available that I was looking for. We looked outside the area I lived, and still nothing within a XXXX mile radius. My salesman said due to supply & demand and XXXX having to shut down due to COVID, there was nothing he could do for me. Apparently, it was so bad, people were calling and paying with their debit card over the phone and putting down-payments on a vehicle they had never seen, just to ensure they get something. Either way, I looked for months, and I was just being told the same thing. No vehicles, nothing in my price range, and even to get another XXXX ( which they also didn't have ) my payment would double due to the supply and demand of the SUV 's. {$600.00} a month for a XXXX, that I didn't love, was not feasible for me. The end result was ME paying off the loan in FULL and having to go to a different dealership/auto maker, due to no fault of my own. And now XXXX is trying to charge me {$420.00} as a 'disposition fee ' for not leasing another XXXX vehicle! Why should I have to pay this fee, when the reason I couldn't get a vehicle was due to their shutdown and COVID? This is not my problem, and it's already listed on my credit report. I called them direct and was told they don't waive this fee as a courtesy? This isn't a courtesy. If I chose to not lease through XXXX, this would be another story. I also filed a complaint with the XXXX which, they apparently felt they didn't need to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft since 2014. I am at my wits end getting these items removed. Equifax has been the worst out of all 3 reporting agencies. I have provided my FTC paperwork, court ordered paperwork signed by the judge clearly stating the accounts were not mine and now I am including my new updated police report ( this is the 3rd one in 6 years ) but yet this company refuses to follow the law and remove the fraudulent items off my report .... which makes it even worse since they are also a company who let me information out into the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Investigation took more than 30 days

Complaint:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.

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 2022-10-12
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent debt validation letter via certified mail on XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

Company response to consumer: Closed with explanation