BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
Date : XX/XX/2022 ( date fees were posted to account ) Amount : {$10.00} x2 ( two separate cash advance fees ) Used a Huntington Bank Credit Card to pull money out of a Huntington ATM. The ATM offers the ability to pull money out of checking rather than credit since they are both backed by Huntington. I used the checking option on the ATM.

Despite this I was charged two cash advance fees of {$10.00} each as the ATM decided to ignore the checking option and treat it as a cash advance. The two charges are because I pulled out {$20.00} two separate times.

I Called Huntington and was told I'd have a callback in 48 hours from someone with the ability to refund the fees. The call never arrived and more than a week later I can not get hold of them as the number on the back of my card puts me in a queue where I sit on hold for more than an hour and a half, without the ability to leave a voicemail or email as apparently email is not a thing. 

I would like the two cash advance fees refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
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: Personal information incorrect

Complaint:
I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help

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 2016-05-04
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Issue: Payoff process

Complaint:
Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to validate the accounts listed on my consumer credit report. TransUnion has failed to provide a full credit file as well as a corrected consumer credit report. 

I did not give TransUnion written instruction to furnish my personal information to anyone. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX XXXX XXXX Docket # : XXXX 2. XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX Acct No. XXXXXXXX 4. XXXX XXXX  XXXX XXXX  Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX 8. XXXX Acct No. 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 2022-09-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

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 2020-04-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY SON & I head. Im a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card through synchrony bank for XXXX as well as for walmart and amazon. I fell behind on my payments and missed a payment XX/XX/XXXX for XXXX. Since XX/XX/XXXX I have made XXXX to XXXX payments every month but XX/XX/XXXX. I new I was behind so I logged in and set up auto payment for XXXX payments ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) to at least pay something until I got my refund XX/XX/XXXX and could pay account off. I have been getting up to XXXX calls a day from them between the XXXX accounts all while I am at work. My job is upset my phone keeps going off I am a Therapist and I can not take calls while in session all day every day. According to the FTC they have harassed me by calling up to 50 times a day, I emailed them ( which I have ) stating I can not take calls do not call me and they continued to do so anyway. I logged into my account and set up these payments within a day or two I got notice that immediately after they closed my account. When I called to ask them about this today I was told that making a payment every month expect one and setting up a payment arrangement was n't good enough. So now, my credit report reflects a bad debt despite me making payments.

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 2018-12-01
Company: EQUIFAX, INC.
State: MS
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 been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Synchrony Bank took funds out of my checking account with my consent. This is causing me to go without money for me and my family of XXXX for over two weeks. I can not even feed my children due to them taking out money without my consent. I understand that I was late in my payments due to my job loss, but I had never agreed nor had a monthly payment reoccurring plan set up with them. How did they get my bank account information? Is n't that theft and fraud? I am still struggling and plan on making payments to them but how can they get away with this.

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 2017-01-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability services LLC is working with XXXX University creating falsified accounts and demanding payment. They're dragging their feet and try to stall consumer financial protection Bureau. I have documented proof that they are doing this it will be formed to the PDF of all below. Please read so you have a brighter picture

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 2020-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
So I obtained a loan through usaa for a used XXXX XXXX. I was paying for the car till I went through some hard times the vehicle was purchased in XXXX where in XXXX it was repossessed the amount that I owe the for the car has changed between several amounts and on multiple calls it's a different amount. The amounts range from XXXX, XXXX, XXXX and XXXX every call to usaa over the years lead to a different number. After the repossession appox a week later the vehicle was returned to me and they still made me responsible 5 years later but without a clear amount that is owed. Also on my credit report it is being switched between being active and non active after placing it in a write off profit and loss. In doing so its keeping the account alive when it should be closed and at some times they switch it from write off to repossession after they've already repossessed and returned the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent. 
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure. 
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am submitting my credit report with the disputes under the fair credit reporting act. 

Experian Records management system is automated and it has not fixed the errors with my credit report. The problems that i am experiencing has caused me great harm and needs to be addressed immediately. The accounts all show closed in status but it is harming my credit score due to negligence. The negligence is not entirely experian fault but its subscribers that report to this reporting service. 

The eleven accounts subscribers customer service representatives did not include the notes in the accounts before an mutual agreement was made before it was submitted to the account managers. The account managers only verified the notes between me and the representative and closed the accounts under my request due to XXXX XXXX caused by XXXX XXXX and home care with hospitalizations. 

I have even offered to let the companies representatives the right to speak to the hospitals and XXXX by which they have said it was not necessary before i spoke to the account manager before the closure of the accounts. 

I have found Eleven errors in my credit report and under the fair credit reporting act i am demanding my rights under the following sections Sections 603 ( i ), 604 ( c ), 604 ( e ), 615 ( d ) old addresses removal page 3/31 Sections 611 ( a ), 1681 ( i ) Modifications to payment legend to show payments XXXX, XXXX-XXXX,XXXX   Sections 1681 ( c ) Removal time barred debt removal fair debt collections practices act XX/XX/31. 
I understand 35 percent of my score is payment but it is not shown or reflected on the accounts by which i am submitting my credit report with the pages to show how it should look with corrections in ink. 

Please delete the account if by 30 or 30 according to the month if the information is un-verifiable the subscribers services of these companies have given me the run around so much that i had to come here for closure.

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 2017-02-20
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am submitting this claim in reference to Case No : XXXX, a case I opened against CMRE Financial Services. This debt collection agency is in defiance of the law. In their response to my initial compliant, they stated that they would be placing my file with them in dispute. However, after that statement, I received an offer to settle the account at about 75 % of the amount posted by the provider of service. I called them to explain to them that what they were doing was against the law. I also again requested that they remove the negative information from my credit profile. Their rep was so RUDE! She said that XXXX on two different occasions the in XX/XX/2016 denied payment of my claims. The funny thing is the claims were sent approx. 7 days a part. XXXX is denying that the provider was told that I was not insured. I explained that to her and told her simply the provider just needs to file the claim again for payment. She told me there would not be any other attempt to collect from the insurance company, and that if I wanted the debt settled, I would have to pay the settlement offer. This is a gross violation of the law! She hung up in my face. I called back and asked for a supervisor. I was transferred to a voicemail. However, the system would not accept the message i was trying to leave. I am requesting the the CFPB sanctions CMRE for this nefarious attempt to gain payment by holding my credit hostage. They are not trying to collect a payment from the insurance company or relay pertinent information to their client. They are only interest in increasing their bottom line. It makes one wonder to whom else they are trying to hold hostage in this manner. I want CMRE to delete the negative information they slammed on my credit report. They have already admitted not speaking to me. This is fraud! Pure fraud and nothing else! I am thanking you in advance for your assistance.

Company response to consumer: Closed with explanation