BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Levon Gukasyan DBA Garman Financial
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with GARMAN FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and GARMAN FIN with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2021-03-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Cardinal financials neglected to pay my taxes even though it's and FHA and I ended up paying the taxes out of my pocket. They are assured me on multiples call that I made that I will be refunded my money by the latest XX/XX/2021. Now its XX/XX/XXXX and they are now saying they cant refunded it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
A " Jefferson Capital Syst " something company keeps calling at all times of the day, they flagged my credit with an absurd amount of money " owned '' that I have no idea where it's from. Please make them STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi Priority Account in XX/XX/2019 after seeing an advertisement that stated a {$700.00} bonus if you opened a savings account along with a checking account in the amount of {$50000.00} and left it in the account for the duration of the promotion. I spoke with a bank representative named XXXX at the XXXX Calif. branch and he assured me that the promotion was in fact as specified in the advertisement. After meeting the qualifications for the {$700.00} bonus Citi credited my account only {$600.00}. I tried reaching out to XXXX at the branch to see why I only received {$600.00} instead of the {$700.00} that was what we had discussed when opening the account but he would not return my call. I reached out to other representatives at other branches who said they would help but never heard back from them. At no time did I receive or even seen an advertisement that stated a Citi Priority bonus of {$600.00} instead of {$700.00}. I am still seeing and have a picture on my phone that states a Priority account bonus of {$700.00}. Where did my {$100.00} go?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
i have never used moneygram prior to yesterday XX/XX/2021 i signed up and created an account online I have lived at current location for 20 years own a home with no mortgage. I have had banking relationship for over 20 years. 

I sent money to XXXX ..to a friend. 
money was taken from my account from an international private bank 5 minutes later i received a cancelation of transaction notification ( no reason given ) one minute later canceled my profile for potential fraud ( no reason given ) They will not provide information nor tell me the actual reason they canceled the transaction and my account with them they are keeping my funds for a number of days and say they will return to the bank. So they acknowledge receipt of the money from me I completed my transaction thru XXXX XXXX ( who i also have never used prior to yesterday ) I wish to file a complaint against moneygram. they will not disclose what it is about my profile that makes them think my profile may be fraudulent i can not talk to the fraud department at the company as they do not talk to customers. 

CUstomer service says they can provide no information. 

corporate legal department has a recording and no way to talk to their attorney their internal complaint line does not answer it just rings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2015-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: OH
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX   report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit  Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX, XXXX XXXX XXXX, XXXX, OH 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 2020-09-08
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called United collection bureau to pay my debt on 2 medical bills. We only have health savings card to pay medical bills with just enough to cover the debt. They wanted to charge {$14.00} free to make the payment. Would not work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I spoke with a representative from the company called Santander about Mailing out the title to a car I just finished paying for this was on XX/XX/XXXX the representative inform me that the title was put in the mail on XX/XX/XXXX she informed me that it takes up to two weeks to receive the title I called again on XX/XX/XXXX and spoke with another representative and the representative is giving me the run around all I want is the title to the car I paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: GA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a been a victim of identity theft and have unauthorized INQUIRIES on 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 2018-07-05
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX PayPal over drafted my bank account 14 times even tho I called and told them I would pay the amount as soon as I got paid. Instead they attacked my bank account racked up {$2000.00} in overdraft fees and stolen {$580.00} from my bank account. On top of that still states I owe {$700.00}. Which doesn't make sense cause I only used {$350.00} which they took more than what was used by me. Cause of them overdrafting my account two of my XXXX checks have been eaten up. Wasn't able to pay for my monthly bills. I am a XXXX XXXX   veteran I live off my XXXX and PayPal has ruined my bank account and also made me miss my monthly bills. I was told I would be given a week to pay it back by their customer care but never given that time and was XXXX financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated calls and letters regarding this debt. I have requested validation of the debt and was told that the debt is mine however, how can the debt be properly validated if you don't know the services that were completed and if it is accurate. I personally don't remember ever receiving services here and especially not for this amount. In order to properly validate the debt, the bill would have to indicate what services were performed and doing so would be a HIPPA violation. Please delete this erroneous debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I walked in to bestbuy to purchase a product with cash. I was then offered a store card by an employee at bestbuy. I insisted in getting the store card because j knew I would be denied because my credit was not the best at the time and I did not want to geberate an inquiry on my report. The employee then insisted and told me the the application would not generate an inquiry in my credit. Trusting his word I then proceeded with the application and minutes later received an inquiry. I would like to have this removed because of the misguided information I was given at the store.

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 2021-04-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Back in XX/XX/XXXX I lost my job due to the pandemic and was unable to pay my car note. When I called and spoke with representatives they told me I would be fine because they were implementing a program for COVID relief that would put a freeze on credit monitoring. The next month I got the hit on my credit still, My payment history prior was perfect! I even paid twice in advance its the only late payment on my report and is hindering me from being able to get things I deserve. Ive reached out to the company ceo with a goodwill letter and was simply told they dont remove late payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation