BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports

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 2018-02-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are 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 2021-06-02
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account with Binance.US and i have been putting my money in as an investment for crypto currency. One day O tried logging in and all of a sudden my password was incorrect. I tried using the forgot password link but its not sending me the forgot password code. I never changed and of my information. I have been submitting requests to their online customer service since XXXX and I have yet to get any sort of response or resolution. They have kept all my money and theres nobody to reach out to in order to get this matter resolved. They are a complete scam stealing money from innocent hardworking Americans!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: MD
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:
The credit reporting agencies Equifax and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
Regarding Selene Finance : Recently I applied to refinance my home. The new company I'm working with says that I have a 30 day late payment for XX/XX/2017. I've submitted evidence of my XX/XX/2017 payment being paid on time yet they have continued to report it as 30 days late. They opened an investigation and somehow concluded that it wasn't paid on time, even though I sent them bank statements as well as the check from the bank, showing the date it was paid. ( This was last year when I tried to refiance then as well ) I've tried multiple times to speak with a supervisor of the company and every time I call, I'm told that I need to call back as they are too busy. I've called over 20 times now and still get the same response. Currently I have received a letter stating that they are investigating the situation again, just like they did back in 2017. This process takes up to 60 days and I'm currently trying to refinance my home with another lender, again. The new lender states that we are in jepordy of losing the rate lock due to the amount of time it is taking for my current company Selene Finance to fix their mistake. Please do something to get these people to fix what they messed up. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: TX
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:
Hello, I've tried disputing several unauthorized accounts and inquiries on my credit profile for a while now with both XXXX and Equifax. I've submitted all required documentation such as a valid police report, FTC affidavit along with valid identification in writing. Under the FCRA 605B once all required documentation is provided to the credit reporting agencies, unauthorized/inaccurate accounts must be blocked within 4 business days. I've also called these agencies every day requesting the information be blocked from my credit profile. Please assist me with enforcing my credit reporting statutes. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$810.00} due to unforeseen circumstances. 

I can instead offer the total amount of $ which is 75 % or {$200.00} as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX was the original lien holder. XXXX XXXXXXXX XXXX was acquired I. XX/XX/XXXX by Capital One Bank, received a letter stating that the bank was acquired and I would be submitting the loan payments to Capital One Bank. I paid the loan off in XX/XX/XXXX. I contacted XXXX XXXX to have a lien release letter sent to me. I was told information could not be found without the VIN, I gave several representatives my name, date of birth, social security number and the VIN. My information could not be found within their system. I am totally baffled by this, especially since I made payments to Capital One Bank for 4 plus years. 
I paid the vehicle off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2019 My son XXXX XXXX contacted his auto loan holder Capital One Auto Finance to inquire of options to help him keep his account current and in good standing. He knew he would have difficulty making his XXXX payment. When he spoke with Capital One Auto Finance representative she suggested a " catch up plan '', this plan would take XXXX payment and spread it out over three months to keep his account in " good standing '' and that his vehicle would not be in jeopardy of repossession providing he made his payments as agreed. With this arrangement he made his payments as agreed. What the representative failed to do disclose was that this arrangement would be reported negatively on his credit, and my credit since I am the co-signer. The representative did not read a disclosure, and when I called to dispute this reporting I was informed that the company has no disclosure stating such to read or share with the consumer. I have disputed this reporting on XXXX  with no resolution. I believe that this negative reporting should be removed due to the failure to properly notify the consumer. Capital One Auto Finance 's own policy lacks the forthcoming information necessary to comply with the Fair Credit Reporting Act due to no disclosure. I also feel that this is a contradiction to the Good Faith requirement between lender and borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
Placed an order. The store cancelled it on XXXX XXXX because items were no longer in stock. Money was never refund in my account. Called store XXXX XXXX was told refund had processed to bank account. Made claim with simple bank on XXXX XXXX. Provided documentation return receipts to bank on XX/XX/XXXX. Its not fair I should wait 90 days when I provide proof and Im the consumer. The company didnt have to wait 90 days to draft anything from my account. I recently lost my mother and job in this pandemic. And am now XXXX XXXX XXXX and could use my money to get things that my family needs. This situation with this bank account has been the last straw and I now have to go to counseling to deal with XXXX  XXXX and XXXX  due to XXXX XXXX, which I have documentation from my doctors. This not the first instance where this bank havent processed my refund and expect me to wait 3 months time to get my money back. And thats not fair. Worst bank ever everything they do is slow and based on their time and is not in the best interest of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CITIBANK, N.A.
State: AZ
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 had the Citi American Airlines AAdvantage Executive Mastercard. The charge for the annual fee, in the amount of  {$450.00}, posted to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid the balance of the statement, which was the charge for the annual fee. On XX/XX/XXXX, American Airlines closed all XXXX XXXX locations. This is the distinguishing benefit of this credit card. On XX/XX/XXXX, I contacted Citi to inquire about a credit to my account due to the XXXX XXXX closures. At that time, I was told by the representative that no credit was being offered. I was enticed to keep my card open, as there would be positive changes to be announced in the near future. 

On XX/XX/XXXX, I read online that Citi would be offering a {$220.00} credit to card holders. However, there were two stipulations : 1. This applies to those who had an open account as of XX/XX/XXXX. 
2. The one-time {$220.00} credit will be issued when the account was renewed. 
This information was released on approximately XX/XX/XXXX. However, I did not receive an email from Citi, nor was there any form of communication by Citi to me. 

On XX/XX/XXXX, I contacted Citi to ask for the {$220.00} credit to be applied, as my annual fee was applied in XXXX, two months prior. However, I was told this could not be done and that the credit would be applied in XX/XX/XXXX! There was nothing that they could do until next year. I feel that this is unacceptable. I had paid the annual fee in XXXX, and one of the primary benefits of the card is not accessible. And they would not be able to issue a credit to my account for 10 months!? I then told the Citi representative that I wished to cancel my credit card. However, no portion of my annual fee would be returned. There would not be a pro-rated refund. I am incredulous at this. Canceling my account on XX/XX/XXXX, means that for 9+ months, I will not be using this card. For Citi to keep the entirety of my annual fee is not just.

Please look into this issue and help me to resolve this matter.

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 2019-09-10
Company: Bread Financial Holdings, Inc.
State: TN
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 have received the email screenshot since XXXX. I spent the required XXXX before the XXXX statement but have received no statement credit even after the XXXX statement. No where in the email does it state when my statement credit will be processed. After emailing the company, they said I am to receive points. I was expecting a statement credit. I get no clear answers from the company about this. Please see attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax- I have called on several occasions regarding not being able to access my credit file and score. I attempted to apply for a loan and was told I had no credit file pulling from equifax after I have attempted to correct this numerous of times with no help. Seems that my file has been split. I have over 90 accounts that should and have reflected on my account in the past that has now disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent out dispute letters to XXXX Equifax and XXXX for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX, Equifax and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: HYUNDAI CAPITAL AMERICA
State: OR
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:
The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out Hyundai Motor Finance sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my HMFUSA online account, or emails surrounding the issue. We were just sent to collections. I have called HMFUSA repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against Hyundai for all the people they have XXXX over, in the middle of a pandemic.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion reported a hard inquiry from XXXX XXXX XXXX. I have NOT requested any credit from XXXX XXXX XXXX. TransUnion is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want TransUnuion to remove the false information regarding XXXX XXXX XXXX & restore my 10 points!

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 2020-07-30
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Trying to establish payment plan based off of income and student debt payments. I continuously submit the appropriate paperwork ( income amount and frequency, other debt payments, and proof of payment relief, etc. ) but they just keep rejecting the forms. These are also the exact same forms I submit for another loan I have with them that they have accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
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:
At present I am exasperated! I have endeavored to be patient yet it is very difficult to be patient when you feel that you are consistently being dismissed by someone. I think you neglect to recall that I am the client agreeing! " 15 U.S. Code 1681 - Congressional revelations and statement of purpose ( a ) Accuracy and respectability of credit uncovering ( 1 ) The monetary structure is dependent upon sensible and definite credit reporting. Mixed up credit reports directly cripple the viability of the monetary structure, and unmerited credit declaring techniques damage the public assurance which is central for the continued working of the banking system. ( 3 ) Consumer enumerating workplaces have expected an essential part in accumulating and surveying customer credit and other information on purchasers. The monetary system is dependent upon the sensible and accuracy declaring of purchaser workplaces. Exactly when you disregard to deal with your work notwithstanding the way that it harms me it impacts the monetary system. The monetary system acquires cash by crediting to clients like me. I have associated a couple of times protesting about the mistaken things on my purchaser report. Well I am complete whimpering. I demand you take out these off-base things or I will search for suit for the total of the encroachment and for the torture all of you have caused me by annihilating my remaining by uncovering mistaken things.

Company response to consumer: Closed with explanation