BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}

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 2016-05-11
Company: Continental Finance Company, LLC
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.

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 2015-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with PenFed. 
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
Money was stolen from our bank account and the bank is refusing to refund it. We were trying to get a refund for a purchase from XXXX ( which ended up being a fraudulent site ) and instead of issuing a refund they took {$4400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2021 I received notification of a bill due on XX/XX/2021. I contacted the company XXXX insurance and informed them i was moving and did not need the insurance anymore. XXXX confirmed and suspended any auto payment for the insurance and sent emails to confirm suspension of payments. Payments were being made from Wells Fargo Bank. I went to my online banking and cancelled any recurring payments to XXXX to Wells Fargo and verified the recurring payments were cancelled all on XX/XX/2021. On XX/XX/2021 Wells Fargo made the payment. I contacted Wells Fargo and explained what happened. Wells Fargo acknowledged no requiring payment existed but a manual payment was made. We did not make a manual payment after escalating my complaint three levels Wells Fargo could not explain why the manual payment was made.XXXX XXXX case number is XXXX. XXXX $ was paid without our authorization, there was an implication that payment was in process but ended up as a manual payment which Wells Fargo said we did, this is not true. Additional problems occurred which a second case was open case number XXXX, theses complaints are secondary but i will outline them. Voice recognition did not work, Wells Fargo verified I was enrolled ( the system failed on four occasions to recognize my voice ). Next I gave my card number and was told it was not my card, the third representative verified it was my card.

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 2017-01-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.

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 2021-02-13
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/2020 through XXXX XXXX  XXXX. A couple weeks later I received a welcome letter from Loancare/XXXX  XXXX XXXX stating my loan was transferring to Loancare. I subsequently received a statement from Loancare for a XXXX payment ; attached. On XX/XX/2020 I paid Loancare {$2100.00} through XXXX XXXX  bill pay. I later received a statement from XXXX XXXX XXXX for XXXX and XXXX ; after making some calls to Loancare and XXXX XXXX XXXX I learned that XXXX XXXX XXXX never transferred my loan to Loancare. I contacted Loancare several times and no one was able to find any record of me, my account or payment even though I had received a statement from them. I was able to get an email where I could send my inquiry. I then emailed Loancare and provided the welcome letter, XXXX statement, bank statement and ACH trace #. Loancare responded that I needed to provide my full bank statement and a proof of payment confirmation letter, which according to XXXX XXXX  is not something that actually exists.They also immediately closed my ticket without waiting to get any kind of resolution to the issue. I called XXXX XXXX  and they were able to email some proof of payment to Loancare with a reference to my ticket number but wouldn't send it to me. I sent a separate email to Loancare to confirm they received the email from my bank and they responded that they couldn't find me in their system and closed my ticket again without waiting to actually get a resolution. I don't know how they were able to issue a statement and now cant find any record of me and are unwilling to assist in returning this money.

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 2016-10-21
Company: Home Loan Center, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PHH Mortgage Services Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ). 

On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future! 

I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. 

Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Complaint against Experian Credit Bureau regarding XXXX XXXX account. I contacted XXXX to ask about late payments from XXXX XXXX XX/XX/XXXX. XXXX  reported that they did not report any late payments in the year XXXX due to account being closed XX/XX/XXXX. I had no late payments during the year of XXXX and have never been late with any payments to XXXX. XXXX rep said that they havent reported any late payments and that Experian must have reported those late payments in error. The late payments are effecting my credit score as well.

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 2016-09-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am opted out from receiving promotional offers of credit, and my credit reports are under a freeze pursuant to North Carolina law. 
Despite those measures, Citibank improperly accessed my personal credit report and sent me a pre-approved offer of credit. 
I asked Citibank to assist me in removing their unauthorized inquiry from my credit report, but they refused to assist me. Citibank provided no assistance in resolving this matter. 
Citibank obtained my personal credit report without my permission. I have no account with Citibank. I do not owe Citibank any money.

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 2021-02-14
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Money from social security XXXX claim benefits have been taken from my account transferred to another bank with out my authority. accounts transactions transfer of {$20000.00}. {$15000.00}. {$9.00}, XXXX and more all my XXXX  money from social security is missing. People bank thru XXXX  XXXX XXXX. I have statements and was never provided with all the information that I have tried to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a bill from Macys that I am late on. The office sure collection department told me the XXXX due is a combination of XXXX ( the past due amount ), XXXX ( late fee ). Leaving XXXX unaccounted for. No one could tell me what the XXXX is for. When I got a supervisor when I asked for one - he supposedly put me on hold to find out and hung up on me. I want to know what the XXXX is for?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I came into a non-profit office to get help with a Loan Modification for our home. In the process of calling the lender and talking to the housing counselor, what we found out was my was sold in XX/XX/2010. I have no records of a foreclosure notice being mailed or an auction or sale of my home, yet now I am facing leaving a home that I am not sure I own. All the information that my counselor and I have received from the lender says I do not own the home and the lender shows our loan number not existing in their records. 
The lender did give us an attorney that has the files to be able to tell me that I still own my home. We called that number in my counselors office and it was disconnected. 
I am desperate to know if I can continue in my home or do myself, my wife who can not do anything for herself and our XXXX children, do we have to move. 
Records at the county where we live and on the property taxes, show the home owned by someone other than my wife. Yet we have lived in the home since XX/XX/2010 when the records showing it was sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: DISCOVER BANK
State: CA
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:
I made an XXXX purchase on XX/XX/20 for Order XXXX for {$310.00}. I returned the item for full refund on XX/XX/20 and it was confirmed delivered by XXXX on XX/XX/20. XXXX never refunded me and wasn't cooperative so I filed a chargeback dispute with Discover Bank to get my money back. Discover is inept and refusing to properly handle the dispute and get my refund. I'v submitted a wealth of proof that the order was returned and that XXXX has failed to refund me. Discover is automatically siding with XXXX and refusing to issue my credit as permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: U.S. BANCORP
State: IL
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:
Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove 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