BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Resurgent Capital Services L.P.
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:
I have contacted this company on numerous occasions to validate the account that they are reporting on my credit report. Have contacted my certified mail. Company refuses to validate debt and prove ownership but constantly update credit report in an attempt to continue collecting the debt. Have requested numerous times to delete this tradeline from my credit report as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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:
Please remove this account that keeps deleting and place back on my credit report. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This place calls me all day everday from different spoof numbers. It says porfolio recovery on one of the numbers. The numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This is just the ones I am reporting, but it is more than that all day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A balance transfer in the amount of {$1000.00} was supposed to post to the account from XXXX XXXX XXXX XXXX to this account. The balance transfer never posted and XXXX XXXX advised the payment was sent electronically in XXXX and that citi bank needs to verify the payment.

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 2018-06-05
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I applied for a Citibank card with a balance transfer of {$3900.00} to my XXXX account. 
The balance transfer never posted to the XXXX account. On XX/XX/XXXX,  while on vacation, I received an email from Citibank saying my statement was ready with a balance of {$4000.00}. I called Citibank to inquire when the balance transfer would be completed. They informed me that the transfer had cleared the bank on XX/XX/XXXX. After 23 minutes on the phone they said they were placing an investigation ( ref XXXX ) they insisted I needed to call XXXX to have them find the funds as they had posted to someone else 's credit card account. 

I called XXXX and asked for help and was told if I could get them the bank account number the transfer had originated from they could find the funds and correct the issue for me. 
I called Citibank back and had to request a supervisor as the operator couldn't understand the difference between my 16 digit credit card number and the bank account the transfer came from. ( I also never received the Citi card )XX/XX/XXXX I called Citibank back to check up & was told it was my problem to work out as the funds had cleared the bank. It took more than 30 minutes to get a supervisor on the phone who finally understood the funds weren't put in my acct but were credited to a strangers account ; she wouldn't give me the bank account number XXXX had requested to trace the payment but stated she would call me back and I still haven't heard from them. She did tell me the cc number the funds were applied to so I called XXXX back, they can see the pymt but since it isn't my account they need a transfer transmittal report from Citibank. After another 21 minute call they recorded what i needed but told me I have to wait to be called back. 
Citibank 's inability to understand a simple mistake and provide resolution for the customer is resulting in the worst customer service issue I have ever experienced.

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 2021-11-30
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I signed closing documents with XXXX they are refusing to fund my loan after closing because the loan officer that started the loan is no longer with them. they are holding my loan hostage after the 3 day rescission period because they want documents corrected AFTER I signed closing documents because the loan officer is no longer employed with them. this is causing me additional time, money and will cause my mortgage payment to be late with my current lender because they will not send the payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer 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 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: World Acceptance Corporation
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Asking for assistance : Reporting Corruption I XXXX XXXX XXXX started on date XXXX XX/XX/2016 to make a loan from Capital Loan. 

I paid fees upfront, my agent at Capital loan was XXXX XXXX. Everytime the money for the loan was supposed to be paid to me their computer system said I have to pay a deposit into the loan amount which will be paid back to me as credit. Then my application will be approved. The computer system accepts payments to be credited on top of the loan amount. They told me the system accepts and the only to progress is on the system on computer. By now I have paid +- XXXX XXXX to Capital loan. I then decided to cancel my loan. I had to pay a fee for canceling to get my money back. To get my money back I was told to pay fees numerous times now in total XXXX. I have a email what the lawyers of Capital loans send me called a irrevocable guarantee letter stating to credit my account at XXXX after payment. I did the payment but still they say I have to pay more. I have no more money I made a loan to pay this thinking I'm getting my money back. 

I am under debt review because of this incident and I don't know who can help me. 

I have alot of messages and emails and deposit slips for all transactions. I have no resources to get my money back. They always told me that this one payment will be the last. 

Please assist me. Please guide me in the right direction as I am under debt review and have no more funds. I currently work for XXXX XXXX work from XXXX to XXXX night shift XXXX XXXX and my cell nr is XXXX. 

Loan company details are as follows : Loan officer XXXX XXXX XXXX XXXX Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a XXXX dollar Vanilla Visa gift card for XXXX  XXXX. In XXXX XXXX I finally got around to using it at my local gas station. The purchase was declined. It turns out the card was used without my knowledge. 
I immediately made contact with the company and started the dispute process. 

On XX/XX/XXXX. The card company wrote back to me via email and advised me that the dispute was being reviewed. 

On XX/XX/XXXX, I received an update via email that the investigation was complete. My request for a replacement card was denied. It turns out that they were unable to locate any problems. 

On XX/XX/XXXX, I contacted them via phone for further clarification, the operator informed me that my dispute was closed. I informed him that the card was used before I received it. For my record He refused to tell me the name of his supervisor, or his employee ID #. All he told me was that his name is, XXXX. 

XXXX, went on to inform me that I needed to contact the purchaser for some sort of receipt. I told him that it would be very difficult considering that we are experiencing a covid situation and I believe the purchaser lost his receipt. For the record, XXXX and co. never informed me to contact the purchaser when I first started the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Took out loan in distress. Later contacted company to halt payday withdrawals as I could not afford them. Requested multiple times to cease all contact to me. Failed to do so harasses me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to Covid-19 my, son 's wedding ceremony in XXXX XXXX was cancelled. My wife and I cancelled our flights on XXXX XXXX XXXX and received partial refunds of {$6700.00} each for a total of {$13000.00}. 

These refunds were paid to our Citi AAdvantage Master Card on XX/XX/2020. A copy of that statement is attached. 

I had one other, unrelated charge on this account in the month of XXXX, in the amount of {$120.00}. So a credit of {$13000.00} appeared on my XXXX billing statement, which was due XX/XX/2020. 

On XX/XX/2020, I contacted the Citi customer service line for the account to request that a check for the credit balance be sent to me. The representative said that was not possible, but that they would credit the amount to the bank account which I use pay my card balance. Since it was a large amount, there may be an extra delay for management approval, but that I should see the credit within some 5 business days. I agreed to this arrangement. 

On or about XX/XX/2020, having not received the credit to my bank account, I once again contacted the same Citi customer service line. The representative confirmed that the refund was in process, but needed management approval. I asked to speak to a supervisor and was told that was not possible. 

today is XX/XX/2020 -- 37 days since Citi received my money and they continue to hold it with no recourse available to me.

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 2021-08-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have not received any letter of default or anything about repossion, i fell behind during covid and have been trying to catch up since. I owe them 8 payments, i offered to make 4 which they denied. I asked them to give me 30 days to sell the vehicle as i have equity in the car and are unwilling to help. The confusion started when we did a forebearance plan at the start of covid with start dates and wasnt properly explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). XXXX  HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.

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 2020-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a line of credit with Brand source in XXXX of XXXX. On XX/XX/XXXX I made my last payment to close out my statement balance of {$170.00} All my bills are set on auto pay through my bank. I had never been late on my payments. Brandsource claimed they received my last payment a day late. I had never received a phone call from them and until I came across an email in late XXXX stating I had a past due balance of {$100.00} which I paid immediately and asked them to please remove the late payment they reported to the credit bureau as it was an error. I even offered to share my bank statement that shows the date I paid them. They refused to help me.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that XXXX XXXX reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with XXXX was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted XXXX to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within XXXX, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.

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 2020-10-09
Company: EQUIFAX, INC.
State: PA
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 have contacted XXXX XXXX XXXX as well as XXXX  and equifax various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
an account was opened in my name that is not mine and was done as a result of identity theft with XXXX XXXX. I have been contacting them and submitting documents related to that but they refuse to acknowledge any of it .... the account is with XXXX XXXX XXXX this account is not mine and yet they continue to report it to the credit bureaus like it is

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 2020-12-22
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for Wells Fargo Autograph visa. It took around 3-4 weeks for it to reach me. Already raised CFPB complaint for that. Finally got it. Now other issue- the credit limit is way too low for me - XXXX XXXXXXXX. When i called Wells fargo- they said that it's the combined one for all the credit cars with wells fargo. I have XXXX as XXXX XXXX and easily getting $ XXXX and $ XXXX kind of credit limit. Wells Fargo is really very adamant and troublesome bank- they keep the credit limit very low which makes credit card useless. 
Moreover there is no way I can buy something more than XXXX XXXX XXXXy adding funds into the account also. 
Why not wells fargo show us the credit limit at the time of application and the let the customer decide whether they want this card or not?

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