BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There were cash advances made on my credit card which the bank let exceed the credit limit. I did not get a notification that this was happening but now I al responsible for paying it back. The bank closed my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted Citicards to check the payoff amount of my credit card. It was at that time that i was made aware that two payments i had made with my debit card had not been credited to my account. The Citicard representative then called Citibank via a 3 way call to verify the transactions. The Citibank representative confirmed that two transactions for {$500.00} each were deducted from my account but not credited to my Citicard account. The Citicard rep stated that there was no history of those payments. The Citibank representative advised me that " this could be easily resolved '' all i had to do was dispute those transactions. So i did that day. I was advised that i would receive a response in 7-10 days. And if it rool longer then i would be provided a provisional credit while citibank further completed rhe investugation. On XX/XX/XXXX i called to check the status of my dispute and i was advised at that time that an error had been made and the previous rep opened my dispute in the wrong department. So my dispute would have to be reopened. I was told again that the funds would be returned to my Citibank account. Today when I called I was told that yet again there was another error. And NOW I WOULD HAVE TO WORK THROUGH CITICARDS REGARDING THIS ERROR. Which made no.sense.since they have no evidence that those transactions went through. I need help getting my money back. They are not following there own policies and i recorded every conversation to validate my claim.

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 2022-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is closed as of XXXX have reported late payments every month to be credit reports for the last 4 and 1/2 years. I do not have this vehicle. When calling this company they refuse to connect me to an associate they refer me to a collection agency that NEVER answers the phone. If I'm being referred to a collection agency anytime I call WHY IS THIS ACCOUNT STILL OPEN ON MY CREDIT REPORT. Its been referred to XXXX XXXX so why is this still open? No one at credit acceptance will speak to me and I can not contact anybody at XXXX XXXX. This needs to be placed as a repo or closed account. To report to my credit every month as a missed payment is outrageous when I do not have this 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 explanation
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
State: CA
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 applied for the Citibank Platinum Advantage card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.

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 2017-02-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BACK IN XXXX OF XXXX I HAD AN ACCOUNT WITH MY GIRLFRIEND AT THE TIME. SHE OVER DRAFTED THE ACCOUNT, DIDNT KNOW THIS AS I HAVENT HAD ANYTHING CONNECTED TO THAT ACCOUNT. IN XXXX I MY SELF OPENED AN ACCOUNT UP WITH TD BANK ONLINE AND EVERYTHING HAS BEEN FINE. YESTERDAY XXXX/XXXX/XXXX, I WENT TO WITHDRAW A CHECK MY GRANDMOTHER HAD GIVEN ME AND TD BANK HAD ME WAIT AN HOUR TO THAN TELL ME THAT THERE WERE GOING TO HOLD MY FUNDS UNLESS I PAID XXXX DOLLARS OF THE OVER DRAFT ON THE CLOSED ACCOUNT FROM LAST YEAR. I THREW A FIT. I AM A FATHER OF XXXX AND THE MONEY IN THE ACCOUNT WAS MY RENT. THEY DID NOT WANT TO HEAR ANYTHING. DIDNT EVEN BOTHER TO OFFER A PAYMENT PLAN OR NOTHING I HAD NO CHOICE BUT TO PAY THE XXXX DOLLARS. NOT ONLY DID THE BANK MANAGER LAUGH AND SAY SHE WAS TAKING MY MONEY BUT DIDNT CARE THAT IT WAS THERE MESS UP TO OPEN UP ANOTHER ACCOUNT FOR ME EVEN THOUGH I SUPPOSEDLY OWED MONEY. I THINK THIS WAS UNFAIR AND OUT RIGHT MESSED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money to XXXX on XX/XX/XXXX. The intended receiver ( my boyfriend who is visiting his cousin there ) went to pick it up on XX/XX/XXXX and gave his passport to a MoneyGram agent. After getting his passport back from the agent, he was told that there was a network/internet error and the money could not be given to him. My boyfriend stepped out of the MoneyGram location to ask if I wanted to cancel the transaction but I declined. My boyfriend verified that the money was still available on XX/XX/XXXX. When he returned to the MoneyGram location on XX/XX/XXXX, he was told that the money had been picked up on XX/XX/XXXX. My boyfriend was understandably upset and questioned the agent. He demanded to know who picked it up and what ID was used. My boyfriend accused the agent/MoneyGram of foul play. The agent did not like that and came around the counter and grabbed my boyfriend by his neck and collar. I filed a complaint about the money ( {$1500.00} ) and the physical altercation. I called numerous times and sent emails, only to be given the run around. I asked if the agent was reprimanded. I asked if my money would be refunded. I asked if the cameras could be viewed so the truth can be revealed ( XXXX  cameras are required by law in business establishments in XXXX ). I received a letter saying the case is closed on XX/XX/XXXX. The letter said I can ask for the details of the investigation. I requested the details on XX/XX/XXXX, none have been provided. I am deeply saddened that our money has been wasted and we have nothing to show for it besides a roughed up collar, scratches, and the humiliation. No one should be handled this way physically or professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FABCO claims that I owe {$840.00} that was belong to XXXX XXXX a landlord that once I was renting an apartment from. 

FABCO sent me a list of maintenance charges that XXXX XXXX  ( their client ) believes that I caused them. 

I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the FACTA report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XX/XX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score

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 2020-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2019. With little planning no experience in buying/owning a car. I went to a dealership, not knowing that day I would make the biggest mistake of my life so far. I was helped by a XXXX sales representative, but with no talks or reassurance about anything. I basically only remember signing papers, I had nothing explained to me. I understand was the one who signed the paper but still. Nothing was explained, no advice was given to me, nobody explained my credit score. The detail of the car I was buying. I thought it was a nice car but not for the price they gave me. I bought a brand new XXXX XXXX XXXX for XXXX. There's 3 prices on the papers they gave me. Price of the car was XXXX and the amount financed was roughly XXXX. But with the interest for 72 months it skyrockted all the way to XXXX by the end of the term. I don't know if there's anything I can do to get out of it. But I feel like I was set up, with NO guidance from my sales rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion credit bureau is reporting a credit score decrease by 28 points on my credit file and has no reason for it. Transunion states " We found no changes to your Transunion Credit Report '' via CreditKarm.com on XX/XX/2019. This is unfair and unjust. I have proof of such, but was unable to upload a document photo directly from XXXX showing the decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Set up a plan with XXXX XXXX XXXX ( XXXX ) for my Best Buy Credit Card. 
Thought everything was clear and I was already paying extra to ( XXXX ) I thought my automatic payment would stop and I would stop. 
I was billed by an automatic paymen. 
I called Best Buy for the reimbursement they stated it was against the law for them to reimburse. 
I mentioned that a payment would be posted soon. 
They said that they could not I asked for reason along with documentation showing where that it states that its against the law. 
They told me they did not have time.

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 2020-02-18
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I was under XXXX  by the florida department of corrections on a XXXX  in florida, I was in the back of a transport vehicle and that night the officer driving must have dozed off because he hit the edges of the railing and the XXXX rocked back and forth violently. I was squished between the metal seats ( while in cuffs ) and another inmate who was larger around 300 lb at least. I was having XXXX XXXX XXXX and the officers did not report the incident. Instead they continued to drive in fear of their own jobs and avoided the situation. I was passed along to another van transport whom was concerned with my health and took me to the XXXX XXXX XXXX XXXX whom is now charging me, but I was A ) in XXXX  up until ( XX/XX/XXXX ) and B ) If anyone is to be charged with this debt it is the police, the department of corrections of Florida.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are so many attacks and dates on my record that I couldn't possibly be at to write all out.

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 2020-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

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 2022-08-29
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Reporting Act XXXX Accounts, above has violated my right.

15 U.S.C 1681 SECTION 602 A STATES I HAVE MY RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTOIN 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Bridgecrest Acceptance Corporation
State: AL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-06-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received my monthly statement I was XXXX now XXXX starting XX/XX/XXXX I had received a tax bill after I refinanced in XX/XX/XXXX I had closed on a refinance in XX/XX/XXXX my husband had passed away and the loan would put only my name on mortgage with Nationstar mortgage XXXX XXXX was my loan agent at Nationstar I called when I received tax bill and was assured it is handled by my mortgage company I called them they said when they refinanced the LOAN they made mistakes now they are saying my payment will still be higher XXXX month please Help me they now say I have to refinance the taxes out of my equity with them to fix the mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX  for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.

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 2021-09-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
CARRINGTON Mortgage is servicing the USDA loans wrong. I paid off my mortgage before the next annual fee was due, and they charge the annual fee for October 2021-September 2022, I paid off my loan in XX/XX/XXXX. 
I called to dispute the amount I received from my escrow balance since it was missing about {$420.00}. They stated that the USDA are backpay, so the fee they charged was to cover for XX/XX/XXXX to XX/XX/XXXX. I know that is information they are giving is completely wrong. 
They are charging me for an annual fee when the loan does not exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I got loan was paying on loan and lost hours due to a fire at a customer. I talked with the loan company and they started a garnishment and paid thru payroll. Loan is paid in full and I found out she didnt send to circuit court that is was paid until after a year later. I had to call the regional Vice President to get him to call and have them fax documents to courts. I asked for a good will delete and I cant get anywhere with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was transferred to 21st Mortgage in XX/XX/XXXX, at which time, we had been working with XXXX for modification. Despite having TPP, was unable to reach anyone until I learned we were actually transferred to 21st. IT was months before they had our account information, and by that time, 21st Mortgage made us reapply. Unfortunately, they have kept us in dual tracking limbo since XX/XX/XXXX, when loan was with XXXX. It was transferred multiple times with multiple assignments filed ; however, 21st Mortgage acquired loan from XXXX. Hence, it was eligible for HAMP modification. They repeatedly wrongly denied and took advantage of us at every turn. As a result, we have not been able to submit any payment, nor come to any kind of fair & reasonable modification, despite the loan being eligible and part of past XXXX settlement and foreclosure review.

Company response to consumer: Closed with explanation