BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I stayed in a a XXXX XXXX XXXX in XXXX  in XXXX XXXX. The hotel room was absolutely disgusting, to the point where I was uncomfortable being there so I cleaned it myself and the hotel towels were black after I was done wiping everything down. Additionally there was someone else clothes in the drawers and that is just unsettling. Furthermore I was trying to call the front desk to let them know about my issues and not once did they pick up whether it be the room phone or my cellphone that I used. Then someone was literally beating on my door and yelling trying to get into my room while I was in there and I tried to call again and nobody answered. I had to call XXXX. But the person was gone by the time they came. I called the corporate number where they refused to give me a refund for my room even though I had pictures of it all. So I disputed the charge with my bank, Huntington, who gave me a provisional credit. However they took the credit back and took my account negative on XX/XX/XXXX and I called today XX/XX/XXXX and asked why they didnt ask me for any of the evidence I had already told them I had. The representative said they concluded I needed to take it up with the hotel or call corporate and I said I did before I filed the dispute and they wouldnt do anything. She submitted a request to reopen the case but said theres no guarantee. So now my pets are out of food and I cant buy them any because my account is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed dispute ( CITI Bank DISPUTE # XXXX ) with CITI BANK issued Master Card ( MasterCard Case # XXXX ) for an Air  ticket/s   booking made via travel agent ( XXXX/XXXX  ) as the airline cancelled my flight due to COVID-19. 

I was qualified for a full-refund by the travel agent through which I booked the flight per the federal regulation issued by US DOT. The airline ( XXXX XXXX ) REFUNDED the FULL Amount to this Travel Agent ( XXXX/XXXX ) on XX/XX/2020. Yet, the CITI BANK refused to re-open my claim against this charge. 

Further, when merchant/travel agent ( XXXX/XXXX  ) has agreed to issue me a FULL REFUND but want an " Official Charge Back Withrawal '' regarding this transaction, the CITI Bank is NOT responding to various requests that I have made over a period of 1 month. It is critical that CITI Bank provides me with an official Charge Back Withdrawal Letter so I can be issued my refund by this merchant. I have made numerous atempts by phone & emails but CITI BANK is not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: American Credit Acceptance, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX I was involved in a car accident and my vehicle that I was still financing was totaled out. Called the finance company let them know and gave them all the information for my claim. I had full coverage insurance on the vehicle but not GAP insurance. Called the finance company to check and see if they received the check from the insurance claim and they stated they hadn't in XX/XX/XXXX. I spoke to a Supervisor in XX/XX/XXXX stated to call the insurance company and have them trace the check. Checked with the insurance who sent me a letter stating the check had been cashed. Gave the correspondence to the Supervisor who stated that the check was in another account in a different state with their company cause no account number was on the check. Supervisor stated once they found the check they would add the funds to my balance and close the account so we could settle the remaining amount. Called back every month until XX/XX/XXXX and was told by a rep they had received the check back in XX/XX/XXXX. They continued to report the account as past due and sent me emails stating that I was up for repossession of a vehicle I no longer have. I called and asked for a supervisor in XX/XX/XXXX to see why the account hasn't been closed and why they had still been billing me since the vehicle was reported totaled. They stated there was nothing they could do and they were going to continue to bill me instead of calculating my final balance so we could settle. I had a warranty on the vehicle through the finance company as well and they never credited that to the balance as they stated. This has caused my credit to decrease and represents a negative report. I have disputed this with all 3 credit bureaus but nothing has changed. They are stating I owe them over {$10000.00} which is not correct. I will never lease with American Credit Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

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 2022-12-19
Company: SVB FINANCIAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I received a decision from Silicon Valley Bank regarding a conventional home loan application. The bank did their due diligence and checked my credit, collateral, and ensured that I had the funds to qualify for the loan. Silicon Valley Bank denied my application solely on my immigration status and the fact that I only possess work authorization. I am a XXXX  recipient and despite that I told the bank rep that each immigration situation can be very unique and the bank should consider that, they still denied me. My understanding that one can not be denied on the basis of XXXX XXXXXXXX, religion, national origin, XXXX, marital status, or age. I do not believe that the bank is exercising sensible policies in lending. I am a first-time homebuyer and from a historically underrepresented population. I find that their practices are not advancing lending for people from underrepresented communities and not abiding by the CRA. I hope you can help with this decision as there was no other reason for Silicon Valley Bank 's denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house has an FHA loan through Caliber Home Loans. I have been trying to get reviewed for homeowner help programs for many months but Caliber has never completed this review. Every time I call in I talk to someone different. When I send in the paperwork they always lose or misplace it. When I ask to talk with a XXXX speaker I get put on hold and don't get anyone to help me. I am frustrated and now have a sale date on XX/XX/XXXX. I had a temporary hardship but now want to fix this problem and begin making payments again. Caliber has not given me access to the government programs that are set up to help homeowners in my situation like modification and forbearance and others. They are supposed to help me and let me have an account manager who speaks XXXX  and review my financial information but they have not done this.

I bought this home about 2 and a half years ago with an FHA loan through XXXX XXXX XXXX that was immediately transferred to Caliber by the time of the first payment. I had a good full time job working in a XXXX when I buy the home along with my wife and adult daughter who live here with me. I had problems when I got laid off from my job in the summer of XX/XX/XXXX I could not keep up and began missing mortgage payments. I did side jobs and XXXX jobs to feed my family but could not find full time work for several months. I tried applying as soon as I went late and sent all of the paperwork in to Caliber but nothing ever happened. I would send in all of the papers but then be told that something was missing so I would have to send that in and this happened over and over and then they would break off contact and then I would have to start over. I never had a dedicated point of contact, it was someone different every time. I had requested to work with a XXXX speaker since that was my native language but that was literally impossible for Caliber to do for me.

I am now working full time doing XXXX and XXXX  and in a better place and able to afford a fair mortgage payment. The problem is that Caliber gives me the false statements and ignores my requests for help. Instead of doing a review of my financial information they set me for foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper purchased/began servicing my loan prior to the first payment ( XX/XX/XXXX ). When my tax payment statement was originated for XXXX ( XX/XX/XXXX ) for use in filing my taxes for the XXXX tax year the form was incorrect. I have repeatedly reached out since XXXX and received no resolution. I have talked to the escalation team many times since this occurred with no assistance. I have been told it was forwarded to the wrong department in their error. I have been told that individual ( s ) have left the organization who were responsible for my request. They have passed every date of resolution that was proposed by them. I am unable to file my tax return until I received a corrected form. Every representative that I have spoken to has conceded that the tax reporting appears to be incorrect ( this is related to my PMI insurance reporting ). At this point I'm unsure of what to do in order to move this forward to resolution. It is my understanding that Mr. Cooper has faced significant fines for similar conduct in the past, but they do not appear to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I always track my credit report from XXXX and XXXX through XXXX XXXX  In the last 10 days I have paid off one of my debts in collection. After I had made an initial payment another collection popped up on my XXXX report. I don't have any debts I can recollect from the time frame they posted and the name and the name of the original creditor they give are not names I recognize. The company is McNeil & Meyers. The original creditor is stated as McNeil & Meyers receivables the date of the collection opening is XXXX. I think this must be mistaken identity or something along those lines. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 15 U.S.C 1681c-2, it is mandated that a consumer reporting agency promptly block the reporting of any information in a consumers file that the consumer has identified as originating from an alleged identity theft incident, with a requirement for action within 4 business days upon receipt of such identification. 

However, I must express my concern that despite the statutory requirement, it has now been 30 days since I brought this matter to your attention. This extended delay constitutes a clear violation of the law, especially considering my status as a victim of identity theft. I kindly request the immediate removal of these disputed items from my consumer report, as their continued presence is in direct contradiction to the law. 

Moreover, I would like to draw your attention to 15 U.S.C 1681b, which delineates the permissible purposes for consumer report furnishing. Subsection ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only in accordance with the written instructions of the consumer to whom it pertains. It is essential to underscore that I have never provided any written consent or instruction to any consumer reporting agency to report the items in question on my consumer report. This situation is a direct violation of my rights as a federally protected consumer. 

I wish to emphasize that the absence of consent amounts to identity theft, a matter of significant concern. Therefore, as a consumer, I firmly demand the immediate deletion of the accounts in question from my consumer report to rectify this violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my Equifax was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. this info has been hindering my file. please review an remove the data listed to clear my file. none of the information listed is 100 % accurate on all 3 credit file. please delete an remove asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am permanently XXXX, my only income is XXXX. On XX/XX/XXXX a XXXX Sheriff delivered a wage garnishment to me personally at my home. This garnishment was also issued to a local company construction instructing them to garnish my wages.This situation has caused a great deal of personal stress unnecessary. 

I have NEVER worked for this company, my XXXX has rendered me unable to work, my last paid employment was XX/XX/XXXX. I am very concerned and bothered that Calvary SPV 1 LLC is contacting random companies and sharing personal information about me. 

I would like a retraction of this information and an explanation why this happened. 

This complaint is against : Calvary SPV 1 LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Direct Recovery Services, LLC
State: TN
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:
The company has called me a few times. Neither time have I answered but they have left a voicemail with personal information on the voicemail. They dont know that the number they have called on is my phone number. They told me in the voicemail how to pay the bill and the account number that is listed with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi my name is XXXX XXXX, I have never done business with Convergent outsourcing. Although I do have two amounts on my credit, one for XXXX ( XXXX ) and the other XXXX ( XXXX ). I do not have a signed contact with Convergent outsourcing. I have the right to demand to see the contract between Convergent outsourcing and myself.

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