BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: Square Inc
State: VA
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:
My cash app account withdrew XXXX dollars from my bank card to someone else cash app card without my permission I have reached out to them several times and they keep saying that its my banks fault which my bank says because it was taken out from a card that was liknked to my cash app account I need to talk to cash app.i sent them a copy of the transaction and the number of the card it was sent to they still refuse to investigate this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: TN
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:
Experian should not be reporting a collection/chargeoff in the amount of {$780.00} on the XXXX XXXX. partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and is reporting in error. I have never had an account with XXXX and I never gave permission for an account to be opened with XXXX. I have tried to contact the bank as well as the bureau to have this line item removed however, I have not been successful. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score. Please remove this line item.

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 2022-04-11
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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to TRANSUNION, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.

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 2020-03-25
Company: Bread Financial Holdings, Inc.
State: OH
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:
I was given a charge card by XXXX Visa Comenity Bank in XX/XX/XXXX. 

My payments were always on time. 

I had a credit limit of {$2500.00}. My balance was {$95.00} when I received a letter from Comenity dated XX/XX/XXXX saying that I was able to use my card until XX/XX/XXXX and at that time my card would be closed. The letter stated that other accounts including my own would close on XX/XX/XXXX. 

I only had my credit card for approximately six months when Comenity closed my account. 

I feel that Comenity was unjustified in closing my credit card. I feel I should not have been charged the high interest rate from 19.24 % to 18.49 % once the card was closed.

Had I have known that Comenity would have only allowed me to use my card for six months I would have gone with another credit card company.

The hard inquiry when I filled the Comenity credit card application resulted in a negative affect on my credit score. In addition, my credit score was further negatively affected once Comenity closed my account all through no fault of my own. Furthermore, since I had no credit card once Comenity closed my account, I had to apply for another credit card and again this hard inquiry once more affected my credit score.

This action on behalf of Comenity was unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a federal student loan and there is supposed to be a zero percent interest rate effective XX/XX/XXXX. However, my monthly payment on their website is still reflecting an interest rate factored into the principal. I have been holding off on making the full monthly payment waiting on Navient to reflect the correct amount. I am relying on this zero percent interest because my income went down due to COVID-19. The lack of their compliance with the new federal regulation will set me up for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to XXXX, XXXX AND EQUIFAX which lack a great deal of integrity which has caused substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Access Financial LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.

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 2016-11-12
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I respectfully request full investigation and based on the information I have provided I request the LVNV FUNDING LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. LVNV FUNDING LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
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:
Not reporting correct amount -- -> XXXX I have disputed this matter with all three credit bureaus as well as credit card company, XXXX XXXX I disputed a charge on my credit card after not receiving the product. And XXXX removed the charge and then later reapplied the charge without notifying me why the charge was reapplied after I did not receive the product. XXXX did not respond to any of my inquiries sent via certified mail. And then began reporting the incorrect amount to the credit bureaus. I disputed with all three credit bureaus. After the second attempt, XXXX  investigated and was able to determine that the amount being reported is incorrect and/or could not be verified and therefore removed the account from my report. I have disputed with both XXXX and Equifax and the investigation process is insufficient. I have provided supporting documentation of the letters sent and never got a response from XXXX. The last response I received from XXXX was in XX/XX/2016, when they put to monies back on my card after removing it. I never received any other correspondence from the company after several attempts to reach out and see why the monies was put back on my account without notice and/or I still never received the product that was promised from the vendor. This account is now closed, " charged off '' due to dispute never being acknowledged. I refuse to pay amount and interest for items I did not purchase. I need this account removed for reporting incorrect balance to credit bureaus and not acknowledging my disputes with company. This has been going on for over 3 years. 

Equifax XXXX XXXX, XXXX / XXXX. XXXX XXXX / XXXX, GA XXXX XXXX  / XXXX. XXXX XXXX / XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal credit union told me that if deposit was cash my money will be available immediately with a Co op atm. 
I have a family emergency now I can not make it due to them putting a hold on my account. 
They won't contact or have a 3way with the other back to the bank atm company to verify it was a deposit with cash. 
Navy Federal stated that on their side it does not show if it was cash deposit. 
I have been trying for 3 days going back and forth with Navy Federal and XXXX XXXX XXXX XXXX XXXX on getting a company of my deposit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: AR
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've made the attempt to removed a fraudulent student loan account on my credit profile with Experian multiple times but it seems as though they are the only bureau that's not following the guidelines under the FCRA. I asked that this consumer be blocked and not have access to my credit profile as well as removing this account from my credit report indefinitely. I've requested investigation results regarding this matter as well as the means in which they conducted the investigation and who they were in contact with because its been past 90 days and still no clue as to what went on or a proper answer to my disputes about the fraudulent account. They have not by any means follow the guidelines under the FCRA not one single time. They have been abusing their power and haven't made contact with this fraudulent consumer on my behalf and they have no proof to show that they actually investigated because if so I would have received documentation. So, I would just appreciate if this matter can get resolved and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Concord Resolution Inc (Closed)
State: KY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Concord resolution has been harassing my phone, employers phone and other members of my family claiming that I took out an online payday loan over four years ago ( 2011 ). they are claiming that I owe the amount of XXXX XXXX and XXXX XXXX dollars. I asked for more information and received a brief letter stating the same information in which I was told over the phone.there are no details as to the date of the loan, the original amount and if and when any payments where made.i do not recall ever taking out a loan and after looking up this company each story is similar to mine saying this is a scam.please help to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: JPMORGAN CHASE & CO.
State: MO
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:
Whenever I try to access my XXXX credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called XXXX and they send me to every department they have without me being able to even notify the correct authority about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX I entered into a contract to purchase my father 's house for the property at XXXX XXXX XXXX XXXX, KS Loan # XXXX. Freedom Financial ( FF ) is the reverse mortgage lender and FF was helping me to pursue a short sale. All of my siblings signed the contract as the sellers for the XXXX XXXX XXXX XXXX XXXX as FF required. My contract was scheduled to close on XXXX. FF hired an appraiser and FF and myself agreed to a {$150000.00} short sale payoff. The contacts at FF are XXXXXXXXXXXX and XXXXXXXXXXXX. FF filed a petition to foreclose on the subject property using a local attorney XXXX and XXXX XXXX XXXX XXXX of XXXX KS. On or about XXXX a very wealthy neighbor XXXX XXXX XXXX XXXX contacted XXXX, the attorney for FF. This very wealthy neighbor told my sister, XXXX XXXX, that he was able to stop my contract from closing through his contact at XXXX. XXXX told my sister he would have his friend at SandA tell FF to terminate my short sale because XXXX wanted to buy my father 's property. This powerful neighbor, XXXX XXXX is represented by XXXX XXXX XXXX as Shareholder XXXXXXXXXXXX. We continued to pursue the short sale with FF throughout the summer. A second appraisal was completed. Again, I and my family agreed to all of the terms to close with FF. XXXX XXXX, the attorney for XXXX XXXX filed an affidavit of equitable interest against the property to prevent me from closing. Today my short sale was cancelled. I feel that I am being taken advantage of by powerful lawyers and they are manipulating this lender Freedom Financial into denying my right to purchase my father 's house as the rightful heir. Can you please help me? We are scheduled to go before a XXXX Judge in XXXX. I have spent tens of thousands of dollars trying to defend my right as a consumer to purchase my dad 's house. All of my siblings want me to purchase my dad 's property. The wealthy neighbor seems to be pulling all of the strings. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Grain Technology, 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: Account status incorrect

Complaint:
I emailed this company on XX/XX/2022 for charging me 3x in one week totaling to {XXXX} with their auto pay system. I received no response. I then emailed XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX in regards to my bank account being closed and needed to update my bank to make my payments on time. Ive called the company and theres no way to talk to a representative, their automated system says itll take 48 hours to respond and its been over a month! I now have late payments reporting and its negatively impacting my credit and my ability to buy a home. These are the only late payments on my credit. I also filed a complaint on XXXX where I read Im not the only customer experiencing this issue. I would like my account to be updated to current and the ability to update my bank to make my payments. Grain has been a big help with allowing me to build credit but their system is flawed and the lack of customer support is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase from XXXX XXXX XXXX XXXX  XX/XX/XXXX. The purchase was for {$2700.00}. I was told that I could pay a small portion up front ( mostly taxes ) and finance the remaining amount INTEREST FREE over the next 12 months. 
I signed up for their credit card and was approved. 
They sent me my first statement and stated the amount I owed each month ( {$230.00} ). They stated a payment due date and I set up an autopayment which allowed them to charge my bank card the amount they set out on the date they set each month. 
These payments were made regularly with no issues until the last payment. They debited my bank card the remaining amount on my statement ( {$190.00} ) and then sent me an additional invoice the next month for {$420.00} in interest charges. I immediately e-mailed their customer service department asking someone to contact me by phone to discuss. They sent me a letter saying they had tried, but I had not received any calls or voice mails. I received a letter at the end of XX/XX/XXXX saying they had attempted to contact me. I phoned the customer service line XX/XX/XXXX when I received this notice to set up a dispute and received a letter later in XXXX. I sent another letter back XX/XX/XXXX and received another letter XX/XX/XXXX stating they would not support my claim. 
I have been trying to dispute this charge ( see attached letters and statements ), but they say I still owe this amount. They have continued to charge me interest on this during the dispute process.

Company response to consumer: Closed with explanation