BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: CITIBANK, N.A.
State: WA
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 was overcharged twice by XXXX XXXX XXXX XXXXXXXX during my stay from XX/XX/2022 through XX/XX/2022. I was prepaying one week in advance. The hotel double-charged me on : XX/XX/2022 for {$590.00} and on XX/XX/2022 for {$550.00}. I was laid off my job on XX/XX/2022, so I left the hotel on XXXX XXXX. They should have refunded me for the {$550.00} as I didn't stay for that week ( prepaid ) and there was a second debit from my credit card on XX/XX/2022. 
I sent a detailed schedule to Citibank that demonstrated the dates I was at the hotel and corresponding payment from my credit card and one payment from my debit card. The schedule clearly shows the two overcharges. Citibank temporarily reversed the charges in XXXX, but last week they returned the charges. I was clearly overcharged when you match payments to dates of stay. The entire ordeal has been extremely stressful. Now, I am out of pocket {$1100.00}. Each time I call the Citibank, I am on hold for extended periods. The Citibank representatives I have spoken with have been unwilling to assist me. They claim it is my fault for not responding - but I have responded. When I called XXXX XXXX to voice my concerns, they hung up on me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 mailed in letters before XX/XX/2021 asking XXXX, Transunion and XXXX who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, Transunion and XXXX showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2017-08-28
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: Account status incorrect

Complaint:
the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.

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 2017-04-19
Company: Carter-Young, Inc.
State: GA
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 am making a dispute against  XXXX   XXXX  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices AC T, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION mad e pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This  action constitute fraud under bo th Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dates : XXXX.XXXX/2017 ; XXXX.XXXX.2017. 

Actions : Repeatedly tried to obtain my online credit report from XXXX to correct inaccurate information obtained within my credit file without success. 

I was denied credit for an auto loan which initially sparked my inquiry. 

Please advise.

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 2022-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: A.R.M. Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I opened a non-descript letter that happened to be a debt collector for XXXX XXXX. The service fees had already been paid. I attempted to reach the debt colletor A.R.M. solutions. The debt colletor will not answer the phone. The line was automatically dropped after about 10 minutes of holding. 
This debt collector company is not operating in good faith if they can send a letter but not provide legitimate numbers to contact them for follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Aqua Finance, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX   XXXX  installed an air condition system in my home. I paid {$700.00} to fix installation errors out of my own pocket. I was paying {$100.00} as I understood would be my payment. Now this  Corporation  says my interest rate went from 5.6 % to 13.99 %. I 'm a  XXXX  Veteran with Service connected  XXXX   XXXX   XXXX   XXXX  which I told them. I called them and asked them tom help me. They said I was  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: United Credit and Collections Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-03-02
Company: SYNCHRONY FINANCIAL
State: MS
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:
XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX Syncb belk {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX  XXXX {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX 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 2017-04-18
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
X/XX/XX  - Submitted a request to Myloancare.com to remove my PMI as soon as the payment I just mailed arrived. The check would put me over the 20 % equity in the house, I have consistently paid on time, since I 've purchased the house. And it 's been longer than 5 years since I owned the house, as a principal single household residence.     On  X/X/XX   XXXX  XXXX  XXXX  responded with, " Our records indicate that your loan was originated on  XX/XX/XXXX . In order for your mortgage insurance to be removed you will have to pay ( MIP ) for at least 5 years and the LTV will have to reach 78 % on a 30 year FHA funded loan per the FHA guidelines. FHA does not allow appraisals or additional principal payments to remove MIP early on 30 year FHA loans. At this time, your loan has not met these requirements '' On  XXXX , I responded w/ the Homeowner 's Protection Act and how I have met all the qualifications needed to cancel the PMI. I sent them the link and specific quotations to verify my request. Their auto response suggest giving the m 5  business days ... .. X/XX  and  XXXX  I have followed up replying to the e-mail chain, requesting that the PMI be cancelled and submitting the backup and ticket number provided with the original request. Today,  X/XX/XX , is the end of the 6th business day since my last request and in my last message, I had let them know that my next step is contacting the  Consumer Protection Agency of the issue.

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 2017-04-18
Company: Byrider Franchising, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On   XXXX   XXXX   obtained my credit report pulled by  XXXX   XXXX  Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  XXXX  of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is  XXXX   years old  and the company is still attempting to collect on a debt past  X  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, Complained about continuing inability to access my account. The following error message continues to show up and Coinbase support replies do not address the issue and tell me thanks for submitting my request and that they'll be in contact with me. Then they tell me they resolved and closed the case and ask me is the issue was resolved. When I tell them no it wasn't resolved nothing further happens. 

" Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status '' Ongoing problem for 4 months, can't access my account to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBT and Sun Trust recently merged. None of my log on credentials no longer work, and the company has wait times of XXXX minutes to speak to a representative. Everything was fine when I was a sUn-Trust customer. It seems that this merged bank goes out of its way to avoid talking to customers. 
They want a customer to fix problems themselves. They are a great source of annoyance and frustration. Can you 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 explanation
Consumer complaint received 2022-03-02
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: Was not notified of investigation status or results

Complaint:
I have been following up with Transunion for the past couple of months for the accounts that you can find in the attachments that i need to be removed from my account but they have not been able to do so. Thats why i am asking for your help now to have the false accounts removed from my credit report because it has been causing me so much distress already.

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 2018-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number 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 non-monetary relief