BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/XXXX and XX/XX/XXXX respectively, two credit card charges were made by me on my Citibank Costco visa card for the amount of {$680.00} and {$200.00}. Due to COVID-19 and travel restrictions, multiple attempts were made to cancel the booking and obtain a refund. Both hotels agreed to not charge but XXXX was not responding to request for a refund, so credit card dispute was started. 
While the dispute was going on, on XX/XX/XXXX, the XXXX agreed to refund both charges. Keeping that in mind I withdrew my dispute with my credit card, letting the charges for both amounts get posted on my account. 
I got the confirmation for cancellation from XXXX on XX/XX/XXXX for the same. 

On XX/XX/XXXX, XXXX, and XXXX, I received multiple emails from XXXX that the refund was not processed and to call them. After the call, I was sent an email again saying the refund has been processed. This happened for both hotels. All this while the conditional credit was removed from my account and charges were made for XXXX. 
Both refund emails were sent to me again on XX/XX/XXXX for both the charges. 

On XX/XX/XXXX, XXXX sent another letter saying they can not issue the refund, provided me with a chargeback number, and requested I follow up with the bank. 
When I contacted Citibank, they said they can not do anything since I accepted this charge. 
I contacted the XXXX again and they said they had already dispensed XXXX for one the hotel booking and that this charge will have to deal with my bank. For the {$680.00} charge for another reservation, they would need a letter from the bank stating that they are no longer pursuing the dispute, for XXXX to refund. 

I have contacted them every day for the past two weeks and have been transferred from one department to another and have stayed as long as two hours on wait only to be disconnected and start all over again. 

Citibank is not cooperating and providing the service that they are supposed to, nor are they assisting in resolving this issue. It has been frustrating and financially excruciating as I am still being charged for {$880.00} ( XXXX+XXXX ) for services are didn't use and had canceled them within guideline to be eligible for a full refund.

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 2021-01-30
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: United Consumer Finance, Inc.
State: MA
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX financed by Prestige Financial. I have had the vehicle for 7 months and the transfer case is cracked and leaking. The cost of repair the transmission is {$3000.00} and I can no longer afford the car as my current only income is SSDI payments. I called the finance company multiple times, as they would not return any of my calls. I informed them of the situation and my decision to surrender the car while I am not in default on payments. I was told by one person to try to get an offer on the car and they will see about releasing the lien because if not, there would be more fees added to my deficiency. At that time, I requested a settlement if I was to work to sell the car for them. After I was able to get an offer from a car dealer they advised me that they will not take a settlement and they will not accept the car dealer ship offer of {$9500.00} ; the balance owed on the vehicle which is {$19000.00}. At an auction, they may get less and there will be auction fees which they will add to my deficiency. Instead, they will only reply that they have a right to pursue me for the entire loan. I advised them I did not initially call for a settlement or to make an offer, but was only doing what their representative advised when I called to surrender the vehicle. The company is refusing to allow me to surrender the vehicle which will lower the cost of a repossession added to my deficiency and their actions are preventing me from having the deficiency on my credit show as a voluntary repossession. Their refusal to allow me to surrender the car will also have my credit report showing multiple missed payments when currently that is not the case, today is XX/XX/XXXX because I am current my next payment is due on XX/XX/XXXX for {$420.00} which is why I was trying to surrender the car I can no longer afford before its multiple missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. 

One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have some collection accounts from 3rd party companies from accounts that either dont belong to me or just plain inaccurate or fraudulent. First, XXXX XXXX XXXX with a balance of {$640.00}, opened on XX/XX/XXXX. Next, debt collection company by the name of XXXX XXXX XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX. Next, XXXX XXXX XXXX with a balance of {$1400.00} opened on XX/XX/XXXX. Then, XXXX XXXX XXXX with a balance of {$87.00} opened on XX/XX/XXXX, Finally, XXXX collection with a balance of {$58.00}

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 2017-08-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: Public record information inaccurate

Complaint:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CL Holdings LLC
State: IA
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:
Jefferson capital keeps calling I ask them to send me something bearing my signature and to cease all calls until I receive something with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Billing dispute for services

Complaint:
I was charged {$29.00} by TransUnion for the service they mentioned as free trial. 

It was mentioned as a 30 day free trial period, but instead was charged {$29.00} without even a prompt to tell me before clicking the authorized button. 

Complete deception method applied. The customer service says that can not refund the charges back as we availed for the service.

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 2020-01-24
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 have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions 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 have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 2019-10-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So there a charge on XX/XX/2018 that was not authorize by me for XXXX for XXXX XXXX and I let navy federal know about it and nothing was done also I had ACH charges to account that I never have or used that I disputed and I was told nothing is going to be done by it I want my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am an authorized user on the XXXXXXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  and XXXX  have removed this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2018-02-09
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 have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

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 2019-11-14
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've contacted Navient Student Loan requesting a lower and more affordable monthly payment, but my request have fallen on deaf ears. The company is wanting me to make a monthly payment of {$1500.00}, which is completely unattainable. {$1500.00} a month is more than 70 % of my monthly income. I explained this to the representative and asked if there was an income-based payment program I could participate in, but I was told that was not an option. I'm completely out of options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a savings, checking, auto insurance and investment accounts with USAA since XXXX. I cancelled my auto insurance policy and moved it to XXXX for a better rate. Despite the cancellation of my policy, USAA continued to attempt to debit my checking account for the USAA insurance. I sent documentation on 4 ( four ) occasions to prove that the policy had been cancelled-USAA refuses to correct their error and has now frozen my access to my banking accounts and my investment accounts. They also refuse to timely process any investment transactions I request. My last transaction was not only late in processing, but they also sold the wrong stock ( requested the sale of XXXX XXXX but XXXX XXXX XXXX was sold ) and they witheld extra fees. I have had a XXXX on file since the inception of my investment account, no change has been authorized by me since XX/XX/XXXX. In XX/XX/XXXX, more than {$320.00} in backup withholdings were held from a sale of stock ; my social security number has not changed and has not been questioned in prior sales. Currently, USAA is holding my accounts XXXX by blocking online access to my accounts. This is causing me much distress because I have no other means of accessing my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 2018-07-10
Company: CrossCountry Mortgage LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 I was trying to pay my mortgage and was told that my mortgage payment had increased by {$800.00} I immediately called the mortgage company and was told that someone would get back to me, I have called almost weekly to this date I have asked for the Manager and was told that they were researching it but no one will return my calls or answer the line Im having to leave messages and the rep is having to email. I am currently behind on my mortgage because they will not except my payment unless it is {$2500.00} which I don't have, I am receiving collections calls, people are coming to my home leaving foreclosure pamphlets in my door and today I received a letter from a collections agency demanding payment in 30 days or foreclosure processing will start. Can you please help me I am a normal person trying to make it I can not afford for my mortgage payment to increase in this magnitude and I can not loose my home because someone did not do what there suppose to do as I have been doing everything I was asked to do and have not been late on my mortgage prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company 's " Loan to Value LTV calculator '' is incorrect and deceiving. 
Attempting to pay a lumpsum to bring my mortgage to 78 % LTV in order to remove my mortgage insurance, using the provided " Loan Calculator ''. I submitted in excess the required amount to reach 78 % Loan To Value, yet the Loan Calculator is now displaying a new amount to reach 78 % loan to value. I previously experienced issues with this bank regarding their failure to submit my property taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is attempting to collect a debt that is not owed. I do not have XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
I am requesting the credit card company provide all audio tapes from XX/XX/XXXXthrough XX/XX/XXXXto show I tried to cancel the card in XX/XX/XXXX, I took my ex off the card in XX/XX/XXXX. This information was confirmed to me in phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation