BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have communicated with Nelnet regarding a loan for XXXX XXXX XXXX in XXXX which this loan was a student loan, but somehow it turned to a commercial student loan, as high {$10000.00}. Im unaware of signing for a commercial loan or applying for a commercial loan. I received a call from a Nelnet representative in XXXX XXXXXXXX regarding repayments. I informed the representative that payments were on hold per president, Joe Biden order. I was then told I had a commercial loan, after his statement, I told him I have a student loan. Nothing was presented to me after I disputed his statement, the representative laughed and stated, your loan is not on hold and you do have to pay. Late payments were submitted to the credit bureaus without presenting me any information. Im not going to pay for something and unsure of my liability for that commercial loan. The information Ive received appears to be fraudulent because the school that they have listed ( ie, XXXX, XXXX XXXX ), I have never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear Sir, On Friday, XX/XX/XXXX my wallet ( CCard, debit card & XXXX DL ) was stolen and subsequently money was taken out of my chequing account via debit card purchases at XXXX & XXXX ( over {$2600.00} in total ). Police reports were made to the XXXX XXXX Police Dept ( city where wallet was stolen ), and to XXXX XXXX Police Dept ( city where the frauds occurred ). Videos of the person ( s ) using the cards are available at the respective stores but will not be released to me, awaiting PDs collection, On Monday XX/XX/XXXX, I realized the Debit Card was frauded ( debit card used fraudulently on XX/XX/XXXX ) when I checked my account and immediately reported it to HSBC Fraud Dept. Note that I was immediately informed of a fraud situation by HSBC for my stolen Credit Card on XX/XX/XXXX itself, but could not stop the transaction of over {$810.00} on the Credit Card. A transaction of {$820.00} on the credit card was stopped however at about the same time. That said, I was not informed of the debit card situation on the XX/XX/XXXX by HSBC, which was frauded within about a 30 mins timeframe from the Credit Card. 

I have been working with HSBC Fraud Department ( contact as below ), primarily with XXXX XXXX, since XX/XX/XXXX. Since then, I have provided HSBC Fraud Dept with both the police reports, and have had numerous conversations with their CS Fraud Reps, and with XXXX ( over 5 calls, possibly more ). They have records of the conversations in their CS logs. Many excuses were raised as to why they are not moving on the case and refunding me the money on this case, the bottom line after many conversations, they are waiting for the PDs to " do something '' with the case - unfortunately, it seems like the PDs are ignoring this case and are not investigating for whatever reasons. I am stuck between the PDs and a huge bank that does not seem to care to want to take care of the fraud situation but is sitting on the case, seemingly to wait for the time to expire. 

I would appreciate it if you can help as I do not have any more data to provide HSBC as to my innocence - unless I am lying in the police reports, which I am not, and the videos should demonstrate that, I do not see what else I can do on my end, with both the PDs and HSBC. 

The contact/address for HSBC is as follows : HSBC BANK USA Fraud Claims & Recovery XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX ( apparently if you hold on, you can get to an operator ) Investigator worked with : XXXX XXXX ( XXXX I am attaching the police reports with all the relevant details accordingly in the reports and supplemental report. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I have visited BECU for the third time to dispute an unauthorized transactions ( using debit card and depositing forgery checks ) due to fraudulent scam. There is a negative balance of {$6200.00} on my savings account due to the fraudster depositing forgery checks and using those money that got returned afterwards. I have filed a police report on XX/XX/XXXX and gave it to BECU but they did not approve the unauthorized transaction. The fraudster, XXXX XXXX is also being charged for Identity Theft on XX/XX/XXXX but BECU ignore the fact and take no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: OH
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:
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.

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 2023-08-23
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
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:
This company is reporting and inquiry on my credit profile that I do not recall submitting! I have reached out to this company by mail and the company is non compliant, also there is no active account on my credit profile indicating that I made this inquiry! I demand the deletion of this inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Avid Acceptance, LLC
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:
My account with Avid Acceptance LLC should show a XXXX balance as it was included in a bankruptcy filing. Please have Avid Acceptance correct and remove the incorrect account information.

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 2023-08-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX got tickets purchased with my debit card information fraudulently. 
On XX/XX/XXXX XXXX XXXX got a reservation made with my debit card and the information was used fraudulently. XXXX XXXX gave me my money back in XXXX  days XXXX XXXX XXXX said that they don't give money back at all they were non-refundable tickets. I said not if it was fraud you have to give it back to me. My bank said that it would take 90 days and that they may not give me a temporary credit. I went to the police and the police check the ISP addresses of my device and the device that logged in to get those tickets and the reservations made they did not match mine and I was cleared. 
I gave my bank chime Bank which is backed by XXXX. 
XXXX XXXX XXXX committed fraud and made tickets and claim that I got those tickets. The post office said that no mail ever left XXXX XXXX XXXX address to mine in the last year since back in XXXX of XXXX. 
Chime Bank actually found against me because of the information sent to them by XXXX XXXX XXXX. I told my bank you have the police report proving that it was an unauthorized transaction and all you need to do is call XXXX XXXX XXXX and find they never sent me any tickets in those tickets were never claimed and those tickets were never used. 
For some reason chime Bank denied me again even with all this proof that it wasn't me and that I didn't authorize it they still gave my money to XXXX XXXX XXXX. I have asked for any new information to show why they're denying my claim. So far I have gotten nothing but my account sits in a negative because of chime Bank and deposits and withdrawals have been stopped because of that negative balance. Chime Bank refuses to pay attention to the facts and they also gave me a new card back in XXXX because of the unauthorized transaction. I really hate the fact that they're not giving me any information to show why they're denying me because the information they gave me after the first time I've already proven to be fraudulent and wrong because XXXX XXXX XXXX even wrote them and said we never did give XXXX XXXX  any tickets but we've got a XXXX for him if he ever wants to go to a future concert. I said that's my money I don't want to go to any concert I didn't pay for the first XXXX but you guys are stealing my money from me even though the police agree with me that it was an unauthorized transaction and the fact XXXX XXXX XXXX admitted they never gave me anything for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Atlanticus Services Corporation
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please verify these accounts in my file : XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}

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 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
XXXX FTC : This is a report of fraud by the Capital One green Spark Business credit card in XXXX ) aiding and abetting the fraudulent car dealership XXXX XXXX XXXXXXXX in XXXX, and XXXX ) implementing institutional policies to # whitewash or obstruct an appropriate credit card dispute investigation. In late XX/XX/2023, XXXX XXXX XXXX sold me a used vehicle that did NOT pass XXXX  state safety inspection - and the illegal business relationship has since been uncovered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I am on social media and alerted my XXXX, XXXX police & my credit card companies starting XX/XX/2023. Also, I no longer have the car ( it was returned XX/XX/2023 ). 

Of the {$5000.00} that I paid to the dealership, {$2500.00} has been returned via my other credit card while Capital One continues to turn a blind eye. Today, I closed the account with Capital One and cited the Federal Fair Credit Billing Act ( FCBA ) - " the Act limits liability of consumers for transactions by unauthorized users to {$50.00}. '' The Capital One credit card dispute number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: General Motors Financial Company, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that GM Financial had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that GM was at fault for placing a wrong last name on my account. GM had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. GM has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. GM placing an incorrect name on my contract ( please see attached statement with incorrect Name )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Lennar Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
Hi, I worked with a mortgage officer at Lennar after speaking with one of their sales person. 

After we toured a few homes, he ran my credit for a FHA loan for a total {$370000.00} at a 4.99 % ( promotional rate ). 

Once we were pre approved and preparing our purchase agreement, the sales person then said that we can not get the XXXX price and the 4.99 % rate. 

They then explained that I would have to pay XXXX to buy down the rate to 4.99 % or pay the market rate at the then initial agreed upon price of XXXX. 

I have a pre-approval email from Lennar for XXXX at the 4.99 % rate that they refused to offer. Once I explained to them that this is upsetting and completed by acceptable, their mortgage officer was also extremely rude to me and questioned my gender and said that I need to be a man. Not sure what my gender had to do with the application. This was very condescending and discriminatory. 

The XXXX price was never talked about during our initial pre-approval. Even if the XXXX price was talked about it doesnt make sense why they would run the loan at XXXX with 5 % down. The math wouldnt have added up. I feel as if this is a classic bait and switch scam. I would have never applied for the loan at XXXX. 

Lennar dinged my credit simply to waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
In XXXX, I entered into an auto loan agreement with Ally Financial for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to Ally Financial. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with Ally Financial to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with Ally Financial, they ( ALLY ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, ALLY Financial reported a missed auto loan payment to XXXX, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted ALLY Financial. The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call ALLY again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.

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 2022-06-01
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 don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Delete the following from my credit report immediately! 

XXXX # Transunion date last active XX/XX/XXXX. Last payment date XX/XX/XXXX DELETE XXXX  XXXX # Last active date XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX # Transunion last date active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX  XXXX # Account opened XX/XX/XXXX. XXXX open date XX/XX/XXXX. DELETE XXXX  XXXX/XXXX  XXXX XXXX # XXXX reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE THE XXXX # Transunion active date XX/XX/XXXX. XXXX active date XX/XX/XXXX. DELETE XXXX  XXXX  XXXX # Last reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX XXXX XXXX # Last report and last active date the same. DELETE XXXX # XXXX last active XX/XX/XXXX. XXXX last active XXXXTransunion last active XX/XX/XXXX DELETE XXXX XXXXXXXX # Last report and last active the same date. DELETE XXXX XXXX # Provide proof of open date. DELETE XXXX # Credit limit {$200.00}. Credit high {$400.00} DELETE FST XXXX # Credit limit {$400.00}. High credit {$700.00} DELETE FST XXXX # Credit limit {$300.00}. High credit {$510.00} DELETE XXXX # Credit limit {$300.00}. High credit {$630.00} DELETE

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 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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