BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
US Bank sent me a confirmed offer to apply for a Business credit card. When i applied, the application is rejected. Why in the world, US Bank sent this kind of unsolicited offers when they are going to reject the application?

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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I noticed that my SSN was filed as the incorrect number with Capital One, so I sought to fix it. I immediately contacted Capital One and I was told to submit a W-9 form by a link to a secure document upload from email to request my SSN to be changed, which I promptly completed. I was also told that during this process, Capital One was to lock my account, until they had changed over the SSN. Hearing nothing more after submitting the form, I called back on XX/XX/XXXX to ask about the status of the form, and was informed that the form was completed incorrectly, as I had not completed one important piece of the form. I realized my mistake and was quick to correct the error, and double-checked the rest of the form this time to ensure its accuracy. I resubmitted the W-9 along with a scan of my Social Security card . Nearly two weeks later on XX/XX/XXXX, and I've heard nothing yet again about the whole situation. I call back Capital One yet again only to be told that no such system exists to submit forms over email. I am then transferred to several other representatives until someone who actually knows what they're doing picks up. For some reason, unlike before, now in order to check the status of my form, they need a form of verification. So, I complete the verification a couple of times until it works and get a success screen. The representative instead says that it failed however ( when it didn't ) and that he couldn't be bothered to try it again. So I call back to get another representative and this time, the representative is very kind and understanding of the situation. He suggests that I resubmit my form yet again, since it won't hurt, and the verification process with him works seamlessly. He checks on the form and it appears that it had not been reviewed yet, which he said is unusual and and I agree, such an extended time-frame is rather unacceptable. Bear in mind that since XX/XX/XXXX, I have not had access to any of the funds in my checking account, since it was still locked. So, I resubmit the form as per his request and thank him for his empathy. It is now XX/XX/XXXX and the account is still locked, and I see how far we are getting by contacting Capital One ( nowhere ) and now am I here to submit a complaint. For 23 days now, my checking account has been completely inaccessible and I can not deposit nor withdraw funds from it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Affirm 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: Reporting company used your report improperly

Complaint:
I tried multiple times fixing this issue with affirm and they keep neglecting me I have a baby o the way and told them this affecting my future with my family and even trying to get a home I started using affirm for XXXX present and they're was a XXXX present I bought through affirm that I never received so I opened a dispute with them affirm did not but got me late on payments neither did I have the option to pay for the shoes so I don't get late and mess up my credit they're app is faulty and makes people miss payments due to open disputes on purpose during the dispute I asked them would this affect my credit and they said no I waited and waited for them not to get my money back even after which made me have to pay for the shoes in full that I never received and then the dispute got me a missed payment on my credit report I tried 4 times to have them fix this and all they do is tell me to call XXXX when they messed up my credit and dropped me XXXX points for they're neglect while am going through hardship and covid they need to fix this has a goodwill I only have one account with them and they have it on my credit like I have 5 accounts. fix this,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove all prior work/jobs on my report and old addresses, I am no longer living. Please only use my current and up to date adress.

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 an 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX, XXXX, XXXX, XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: Supreme Lending
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was sent a notice for an escrow shortage from Supreme lending ~ {$650.00}. I paid it. They increased my payment ( as though I didn't pay them the shortage ) and pocketed the money I paid leading to an escrow surplus. 

I have contacted them twice and was told they would run an escrow analysis but they haven't. They're still charging my monthly payments as though I haven't paid the shortage. I want the lower payments I'm entitled to and the excess I paid in inflated monthly payments, refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: TX
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:
Dispute submitted to Equifax in XX/XX/XXXX for inaccurate reporting of two collection accounts named under XXXX XXXX. Equifax responded with the following statement '' more detailed information will need to be given in order to process. '' The following specifics detail the company and complaint : 1 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$48.00} 2 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$37.00} Original complaint : Two collection accounts under the name of XXXX XXXX from XX/XX/XXXX had been removed 4+ years ago has now reappeared or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report within 5 days of reinsertion. Please review my case and have Equifax remove the negative collections immediately from my report as this is a violation of Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert an item on your credit report without notifying you within 5 days of the reinsertion in writing. I was not notified. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the forbearance plan because I was having difficulties paying my mortgages due to XXXX. Now that I want to start paying back my mortgages they requested plenty of documents which I did submit everything and they are telling now that my loan modification was denied. Because I do not qualify and now I am very concerned about loosing my house due to this. I was told that these months on default will be added to the end of the maturity of the loan, but this bank is processing my loan modification like refinancing. I am a retired person with XXXX XXXX XXXX, I just want to continue paying my mortgage. I would appreciate if you can assist me with this issue with my bank. Thanks The name of my bank is : Shellpoint Mortgage Servicing Contact Information Customer Care Line : XXXX Loan Information XXXX My property : XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: TN
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:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and Transunion both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.

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 2023-09-12
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
Aidvantage took over my loan servicing from XXXX and has lost all my account information. My loans were taken in XXXX and there's NO record of my 4 years of public service or the past payments I've made - I should be in a forgiveness stature. I re-financed my loans and it looks like a lot of my information was lost there too. 

I have tried to reach them because they are asking for too much in my payment, i filled out the income based repayment information and have not heard from them in weeks Now my loan is coming into repayment and I can't even get a hold of anyone over there! 

This is criminal they are going to bankrupt me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a product that was financed through GreenSky and backed by Goldman Sachs. I paid off the account in XXXX of XXXX and the company stopped reporting to my credit entirely. However, they failed to show the account as paid in full and a balance remains ( XXXX  XXXX  ) of {$15000.00}. I have called the company 3 times and, to date, the credit has not been adjusted to show that the balance has been paid. The company responded to my credit dispute in XXXX that the " account is reported correctly '' which is also a false and misleading statement indicating that thee company does zero research into customer concers relative to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE. 

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Credit Card Receivables Fund Incorporated
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The collection agency got a judgement against me dated XX/XX/XXXX for a {>= $1,000,000}. I disputed debt and asked for proof on the phone back with them XXXX. I told them to stop calling me and I haven't heard from them until now. I got a letter on XX/XX/XXXX for pending income execution for {$24000.00} including interest and poundage from the XXXX XXXX Sheriff for this debt that was never validated by the collection agency UNIFUND CCR LLC. I reached out to the Attorney listed and they gave no information and have not called me back XXXX XXXX XXXX XXXX XXXX in XXXX NY ). The XXXX letter states that I have 20 days to respond to them which is XX/XX/XXXX before the demand payments from my job. I spoke to the over the phone and they said they won't do anything before XX/XX/XXXX because the letters weren't mailed right away. 
I'm fearful that I will get my pay garnished for a something I don't owe this collection agency. 
Any assistance you can offer would be greatly appreciated '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: U.S. BANCORP
State: TX
Product: Credit 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:
On XX/XX/2023 I had my garage door repaired. I tried to use my card via XXXX XXXX XXXX so they could get the money sooner. But, my transaction was rejected. So, I called Customer Service to see why. I was told that platform was not an option. Neither was XXXX. Instead, I could go to the bank for a cash advance. I went to the Bank, with Teller assistance we found out that a pin was required, which I was not told till the rejection. The Teller even tried to assist me at the ATM first, before the call to Customer Service. 

The staff there seems not well informed and indifferent. I know I can't be the only person they have treated so carelessly.

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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got an email at XXXX XXXX  and an alert from my app that my funds are currently not available for withdrawal. I answered the email and still the issue was not solved. I called during my lunch period from work and the message said the hold would be XXXX minutes and was on hold for XXXX minutes and nobody answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: DE
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:
After reviewing my credit report I noticed several inaccurate late payments on. my credit report that were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MD
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/2023, XXXX fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

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 2019-07-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo bank has been charging ridiculous fees for transfer of funds between checking and saving account from my account due to not have a local branch available to do transaction. I'm a XXXX veteran and have call an tried to work out a solution to the fee problems. Just this last two months alone, they have been transfering my money on from checking, but when I need to transfer money from saving to protect my checking account they have been charging my account as much as a XXXX dollars in fees, I have had my sister go into the branch as explain the situation and they have said that I should close my account and go to another bank to stop the fees. I have had this account for over 22 years and there should be some type of assistance for veterans. I was sent a message on my savings account dated XX/XX/16 in regards to excessive fees that have been taken from my account and that the account would be forced closed and changed to a second checking account without my permission. I believed in my account at Wells Fargo but now my feeling have changed. I felt this type of service needed to be reported to help other veterans not suffer from this type of treatment.

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 2023-05-26
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation