BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BARCLAYS BANK DELAWARE
State: NC
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 applied for the Barclays XXXX XXXX XXXX Credit Card that included a signup bonus of XXXX XXXX XXXX XXXX  and a {$95.00} statement credit after meeting spend requirements. I met the required spend and received the XXXX XXXX, but did not receive the {$95.00} statement credit. After multiple calls and emails I still have not received the credit. I wish to receive my {$95.00} statement 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 explanation
Consumer complaint received 2021-04-08
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have filed several disputes which should have been returned but we're not and requested a merchant be blocked yet they had access to charge my account anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my card 4 days after I was billed an annual fee. I called the credit card company to close my account. They refused to prorate or credit my portion of this fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ON XX/XX/XXXX A Process Server, Came to my home. And hand delivered a ( Citation Debt Claim Case, ) From XXXX XXXX XXXX, XXXX It states that Im being sued by the State of Texas, XXXX COUNTRY THIS ACCOUNT HAS BEEN CLOSED NOW SINCE XX/XX/XXXX THEY ARE SUEING FOR {$820.00} AND THERE WAS A COURT DATE ALSO, THAT I WASN'T AWARE ON XX/XX/XXXX .THIS PETITION WAS FILED ON XX/XX/XXXX Just trying to understand why Im being harassed at my home by a debt Collector..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: General Motors Financial Company, Inc.
State: IL
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:
I paid my account within the 30 day timeframe GM is reporting late saying payment made after 30days. Ive paid on the 30th day before and wasnt reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSWORLD SYSTEMS INC
State: CT
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:
This complaint is against University Accounting Service ( UAS ). On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University in order to rectify this situation. 
This Monday I received an email from XXXX University where I was informed that UAS is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling UAS I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a loyal customer to Chase Bank for many years and today I was a victim of security fraud and a victim of a scam that I immediately called about and told my bank what happened and they told me that they couldnt do anything because I accessed my account and initiated the payment through XXXX. I completely understand that it was a bad judgment on my end however a victim usually doesnt know they are being taken for by someone who claims they are trying to help until its too late. I stated that I was a victim of a scam and that I would like assistance with helping me get the funds I lost which is used to pay our mortgage and for our family to survive. Im not running any scam or trying to commit fraud, Im the victim! For my bank to basically tell me oh well too bad Im absolutely devastated and feel so helpless and feel like I have no support from the company I have trusted for so long. Im already broken and sick from the fact this happened to me, to have the company I look to for trust turn their back just feels like another dagger in my chest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Millco Management
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 have been writing letters since XX/XX/2021 and I didnt receive any information to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a letter 8 weeks ago to let the know i have never had a XXXX account.

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 2020-06-25
Company: BARCLAYS BANK DELAWARE
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:
XXXX of XXXX I contacted Barclay 's Carnival Master Card points department to ascertain how much money toward a cruise my points equaled.

I was informed that my points were worth double the amount for a XXXX   XXXX  than any other cruise line. 

After researching XXXX  XXXX lines and not finding the cruise I wished to take, I contacted the points department again to see how much points equaled on a XXXX XXXX line cruise. 

I was informed that I would receive the same as I would on a XXXXl XXXX   and given the amount of {$4500.00} and some dollars. 

I booked the cruise and took the cruise in XX/XX/XXXX. 

When I attempted to redeem the points toward the cruise amount charged on the Barclays Mastercard, I was told I would only receive approximately {$2200.00}, not the {$4500.00} I had been promised. 

I made several calls to the company ( and was placed on hold for several minutes, up to 45 minutes in one instance ) in an attempt to resolve the matter. Several times I was told that the recording of my call ( s ) would be listened to and that I would receive the credit amount promised to men by their representative. 

After doing everything the company had asked, there was an " investigation '' that found that even though a review of the phone call they had recorded did indeed support my claim that I had been told I would receive the {$4500.00} in credit, they were not going to award me that amount. 

I asked for an appeal. The company representative and I also agreed that I would not be charged interest or late fees on the disputed amount. 

After a couple of months, the company did put delinquencies on my account for several months for the disputed amount. I realized this when I noticed that my credit rating had dropped precipitously from over 800 points to as low as XXXX I spoke to the company and late charges and interest were removed but not the delinquencies. 

Now, I am applying for a mortgage and my credit report shows serious delinquencies which may affect the mortgage interest rate I am able to get.

So, not only did I not get the entire credit amount that had been promised me prior to the cruise, I had my credit score demolished despite the company having a recording of every conversation I had with them which verified that I had been promised a points credit of {$4500.00}. 

I want the erroneous charge of serious delinquencies removed 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 2023-03-06
Company: Stellantis Financial Services US Corp.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Saw a hard inquiry on my account which I had no idea about and did not authorize on XX/XX/23.

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 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I placed a credit freeze with One of the main 3 credit reporters. This was because I received a letter in the mail saying my old company I worked for XXXX had been hacked in XXXX and they just now found out. I signed up because my info is on the dark web, i have been hacked earlier in the year, and a car and insurance from XXXX was purchased. I still am seeing credit inquiries nearly everyday that I am not familiar with at all and nobody is calling me to verify if it is me! Please remove all ( HARD & SOFT ) of these inquiries from my reports and freeze my credit now. If the Inquirer DOES NOT HAVE MY WET SIGNATURE, OR IDENTIFICATION WITH THE APPLICATION. ACCORDING TO FCRA SECTION 604 THEN IT IS NOT VALID ... I AM DEMANDING ALL INQUIRIES BE LOOKED INTO FOR PREVIOUS 2 YEARS FROM TODAY XX/XX/XXXX. 

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 non-monetary relief
Consumer complaint received 2021-01-27
Company: American First Finance, Inc.
State: IL
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 XX/XX/2020 XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Amer Fst Fin has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portion of my XXXX has been forgiven. But, the loan balance is overstated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Self Financial Inc.
State: SC
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:
I closed my account with self. Prior to me closing I sent then a email telling them that it is illegal to report late payments on my credit report. Self has reported late payments and credit usage on my credit report causing my credit score to drop tremendously from over 150 points.Credit reporting is optional and they did not Clearly and conspicuously share wityme the country consumer that I had the option to opt out of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received " BASIC FORMATTED SECURE STATEMENT REPLY EMAIL TODAY ( XX/XX/XXXX ), TELLING ME THAT CITIBANK RECEIVED MY COMPLAINT { XXXX }, BUT " THERE WAS NO FURTHER INSTRUCTIONS / ACTIONS CAN I TAKE '' FROM MY DIRECT PHONE CALL ( XXXX ) TO CITIBANK XX/XX/2020. 

My problem with CITIBANK, is that I live in XXXX XXXX, TX and I am NOT CAPABLE OF not going to CITIBANK. I had to Mail-In a company check from XXXX XXXX XXXX when they closed my account ( {$740.00} - XX/XX/2020 ). [ through USPS ] I put in the SIGNED CHECK from XXXX  with my CITIBANK SAVINGS ACCOUNT NUMBER, ( WITH THE CHECK MADE OUT TO ME ), and " FOR DEPOSIT ONLY '', in a envelope that XXXX  provided me ; to THE MAIL-IN ADDRESS ASSOCIATED with TEXAS, [ Citibank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ] from the Citibank web-page Mail-In address. 

Since being a 1st time Citibank customer, I am UNABLE TO " ( COMMUNICATE CORRECTLY ) * WITH CITIBANK. ( either through Phone or Email ). 
On my CITI Accelerated Savings Account ( that I opened XX/XX/2020 ), I still got notified through automated phone service that I currently have {$0.00} balance as of XX/XX/2020. 


I COMPREHEND THAT CITIBANK KNOWS HOW TO CONTACT ME THROUGH MY EMAIL THAT I PROVIDED TO THEM WHEN I OPENED MY SAVINGS ACCOUNT IN XX/XX/2020, BECAUSE XX/XX/2020 ; I RECEIVED EMAIL FROM Citibank - Service XXXX, INFORMING ME THAT MY " APR '' ON CITI SAVINGS ACCOUNT DROPPED FROM 1.35 % TO 1.20 % .. 
I did access my Citi savings account from my apartment, approx 1 1/2 week ago and went to updated my Preferred Settings, so I just SELECTED EMAIL ME WHEN DEPOSIT HAS BEEN PROCESSED BY CITIBANK and CREDITED TO MY SAVINGS ACCOUNT. 

Since I just asked Post Office worker if I had correct postage on XX/XX/2020, to arriving correctly at Citibank, I DID NOT PAY MORE FOR CERTIFIED MAIL / RETURN RECEIPT. 
NOW, I don't " KNOW HOW I CAN RECOVER '' that check amount {$740.00}, that never arrived in my Citibank Savings Account., BECAUSE CITIBANK REFUSES " NOW '' TO HELP ME RESEARCH THIS PROBLEM and FIND OUT WHERE MY MONEY IS. 
( Customer Service just keeps on forwarding my calls to another representative, until the phone call hangs up from Citibank )

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 2020-06-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use the Citi.com website to pay my CitiAAdvantage Platinum Select credit card every month. On XX/XX/XXXX, Citi charged me a {$29.00} 'Return Check Fee ' and claimed the account information of the payment bank was incorrect ( it was a non-Citi account ). I have pointed out that my bank information was already stored information on the Citi website and I used the same account to pay the credit card bill from XX/XX/XXXX to XX/XX/XXXX with no issues, as well as pay my Costco Credit card with the same account in XX/XX/XXXX. They refused to accept the account was ever valid and refuse to waive the fee.

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