BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my identity at Huntington bank and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1 : What is this complaint about? 

This is in regard to an available credit freeze after a payment. 

2 : What type of problem are you having? 

I recently opened the card and used it to pay for part of a large purchase. I used this card because I wanted to earn the point in the store it's associated with ( Bass Pro Shops ). I paid the balance down by {$100.00} before the due date in order to use the credit card again for more points on the next purchase but it turns out that the hold is in place from XX/XX/2021 until XX/XX/2021. I have made no other purchases and paid my first payment early, so I do not know why the hold is in place. 

Step 3 : What happened? 

I contacted Capital One in order to ask about the hold. I asked 1 ) why it happened -- they responded " there are several factors, '' but couldn't list any factors when I dug deeper 2 ) is there any way that I can request the hold to be lifted sooner -- they said no 3 ) who monitors and applies these holds -- they said they didn't know 4 ) how do I file and official complaint -- they responded that the supervisor I spoke with would escalate the complaint and offered no proof that it was in fact escalated Step 4 : What company is this complaint about?

Capital One on behalf of the Bass Pro Shops credit card Step 5 : Who are you submitting this complaint for? 

Myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
On XX/XX/XXXX  i was transfer from XXXX XXXX to this company Freedom mortgage, since XX/XX/XXXX  when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at 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 2023-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Im a Dealer in the state of Georgia. A customer came to my place to test drive a vehicle that she liked and wanted to buy it. She applied for a loan with USAA credit union that she is a member with. She was aproved for that loan and promised that with in 2 to 3 days the funds will be at the dealers bank account. after about 12 days the customer gave me premission to call USAA, and I did. I talked to someone who told me the loan is under review I asked to speak to a manager and after being on the phone for about 30 minutes the only respond I got is that the loan is under review. I decided to call again at this point the loan has been aproved 2 weeks before. to save time I asked to speak with a manager whom told me again that the loan is under review I replies by asking Please explain to me why has the loan been undre review for the last 2 weeks? why is it taking that long?

I got no reply. when I stated that I will be filing a complaint against the bank she replys " Are you thretning me? '' one more thing I wanted to add that everytime I called and my costomer called we had to speak to someone else they dont have one person that is responseble for the loan.

USAA credit union has showed behavior of restricted unfair actions, deseptive and abusive actions and should be properly disciplined for sush actions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a loan serviced by Aidvantage in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the Department of Veterans Affairs deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name XXXX and Aidvantage has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called Aidvantage and spoke to a Rep who could only note that XXXX had XXXX XXXX XXXX XXXX Aidvantage 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. 

I loaded the documents into the Aidvantage system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The Adivantage rep saw no discrepancy with the first or last name as seen in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Comerica
State: IL
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:
Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, 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 2023-11-08
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in XXXX  still, in deferment, so I do not have any payments on my student loan due until XX/XX/XXXX. Nelnet is aware of my deferment status and it shows on my account with them. I have records showing I do not need to make any payments until XX/XX/XXXX. 
On the bank account I used for auto payment with Nelnet, there is a statement for an NSF fee on XX/XX/XXXX. It says withdrawal for {$500.00}, Dept of Education. 
There is absolutely no reason AT ALL that I would need to pay {$500.00} for my loans or to the Department of Education for any other reason. 
I would have been charged {$500.00} just because I enabled autopay with Nelnet, and there is not even a due payment showing on my account. Now I need to dispute the fee I received for not having the money to make a payment I did not have to pay! 
The autopay feature gives a discount on the student loan payments, and taking out money irresponsibly is predatory to those who need that discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX CARD Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX  XX/XX/21 & XX/XX/21, XXXX XXXX  XX/XX/21, XXXX XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XX/XX/21 & XX/XX/21, XXXX XX/XX/21, XXXX  XXXX  XX/XX/21 XXXX XX/XX/21, XXXX XX/XX/21 & XX/XX/21, XXXX  XXXX  XX/XX/21, XXXX XXXX  XX/XX/21 & XX/XX/21, XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2018-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
an unauthorized transaction appears on on my saving account, but i did not lose your card, security code, or PIN or had any of them stolen, i contacted Wells Fargo bank straight away and they told me that they were to investigate and get back to me. 5 days passed and I talk to a banker at my local branch and was told my case was dismissed and was denied as theft their for any money taken from my account wasnt refunded even though I have never reported any theft to any of my accounts. Nothing was return to me.

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 2023-11-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
An escrow analysis was conducted on my mortgage loan on XX/XX/XXXX that increased my payment by {$720.00} MONTHLY. I have tried reaching out to MrCooper for information regarding this change since XX/XX/XXXX and I can not reach a single representative or get any response to this. After not receiving any support from MrCooper I had to consult with a mortgage consultant. They have advised to me this is more than likely a mistake due to the excessive amount of increase on my escrow payment. As well as my escrow had a surplus up until this analysis. The mortgage consultant advised me to get in touch with MrCooper ASAP to address this matter yet MrCooper continues to process my payments but failing to provide any customer service whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a few days past due on my credit card account through Comenity for Zales and began receiving multiple calls a day from a private number. I do not answer calls from private numbers as they are often spam calls. This caller never left a message but would call repeatedly. Had they left a message then I would have known to check my account. Finally, I answered and they told me who they were and why they were calling. I got online and made the payment as soon as I knew. 

The ridiculous number of calls I received is the topic of my complaint. It was 4 calls in 3 hours each day. I have multiple jobs and go to school full time. If it isn't important enough to leave a message or call from a visible number, then it isn't important enough to call that many times.

Company response to consumer: Closed with explanation