BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Bread Financial Holdings, Inc.
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft COMENITY BANKXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft COMENITY BANK/XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Navient Solutions, LLC.
State: MI
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 have had issues with Navient in the past. They have been charging interest/fees ect. that I was told I would not have to pay as a part of the COVID stimulus. But, that is not my issue right now. My employer issued a check for {$5200.00} in an attempt to pay part of my student loan. That check was cashed almost immediately but not applied to my account. When I questioned it ( Case # XXXX XXXX they stated that I sent the check to the wrong address and gave me a different payment address to send it to. That address specifically states on their website that it is for inquiry only. Over a month after the initial payment was cashed, my employer received a check back and reissued the payment to the address I was given. Now it has been over a month since the re-issue and still the payment has not been applied to my account. Since I am on the accounting team at my place of employment, I could look up that the check cleared the bank on XX/XX/XXXX. It is now XX/XX/XXXX and it has not been applied properly. I now have nearly 4 months worth of late fees and interest that I should not have had to pay. I am at my wits end on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: VW Credit
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Well in advance of my schedule XXXX auto-payment to VW Credit, I changed the bank account information, as I was closing the account from which the payments had previous been processed. I confirmed on the website that the correct banking information was now entered, and all seemed well. Nevertheless, VW Credit still posted the charge to my old account, which had an insufficient balance and caused me to be overdrawn. I asked the bank XXXX XXXX XXXX XXXX to put a stop on the payment, which they did. I also attempted to call VW Credit that day, but " due to high call volume '' the automated system told me to call back at another time and ended the call ( they wouldn't even let me stay on hold ). I sent a message through the website explaining the situation and asking for resolution, with no response. 

Fast-forward to today, I receive a message that my account is being penalized for the returned payment and that VW intends to report the payment issue to the credit bureaus. I attempted to call again, and was again not even allowed to wait on hold, only that I could call back again later. And I sent another message, which I assume will not be returned. I don't want to wait to find out. 

In the process, they have disabled the auto-pay screen, which previously showed the correct ( updated ) bank information I had entered. Now that it is disabled I can not even show evidence that I had done what I claim. I'm sorry that I didn't take a screen shot earlier but it didn't occur to me at the time that I'd have to go through this kind of extraordinary process. 

Finally, I attempted to pay the now past-due amount, but the system will only allow me to pay both the past-due, and the current-due amount ( which isn't actually due until next month ) as well as the penalties which I refuse to pay. Essentially, because of their error, VW Credit is attempting to have me prepay a month 's lease and a penalty, and providing me no method to bring my account current while disputing these completely inappropriate penalties. And they're threatening to ruin my credit in the process. 

I'm hoping you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX I have worked with Amerihome to submit all documentation required to show that I am exempt from property taxes due to my 100 % XXXX XXXXXXXX here in the state of Oklahoma. Per XXXX XXXXXXXX XXXX XXXXXXXX, my mortgage payment should be adjusted to reflect the removal of property tax payments and updated to reflect that. When I called today ( XXXX XXXX ) to check on the status and see when the investigation would be complete, I was told no action had been taken. Furthermore, the customer service representative repeatedly derided and interrupted me as I politely tried to explain my situation and request that she look at my account and see if the 100 % XXXX  XXXX paperwork was on file for me. It was also implied that I was lying and that I didn't know what I was talking about when it came to my own military veteran XXXX status. I didn't get any help to resolve this issue and am now left to continue calling to rectify this issue. 
If this is how Amerihome views military veterans, and treats its customers then I would suggest looking elsewhere for a better mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: MARINER FINANCE, LLC
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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX,2021 ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
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:
I applied for a loan with XXXX XXXX XXXX to consolidate my credit card debt. Was approved for $ XXXX. They put the money in my account which on my end looked like a wire transfer in 2 payments of XXXX. Then they transfered half of that out of my account and to XXXXXXXX XXXXXXXX where they had gotten access to and transfered money from there to a XXXX account. USAA, my bank took all the funds I had in every account I was linked to and then closed them out. They then charged off only $ XXXX in fraud. Leaving me with a {$0.00} balance but not giving me access to the money that was previously in my account. This was not my fault, I was a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Mortgage Research Center, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and was approved for a VA home loan with Veterans United Home Loans, and Im currently in the middle of a chapter XXXX bankruptcy but I met all the requirements of the VA and VU. Then a day or so later, I had a conversation with my loan XXXX about why I wanted to move from the XXXX and aside from employer giving me a promotion requiring me to move, I stated that I wanted to get to a more diverse area, as it pertains to race relations. 
A few days later, my loan XXXX questioned me about a clerical error on two payments in XXXX 2020. The attorney handling my case gave me a incorrect payment amount which was off by {$10.00}. The error was caught two months later and the monies were paid i.e. {$20.00} immediately to bring the plan current. 
The lender said because of that, they couldn't proceed with giving me a loan because of the VA guidelines. I contacted the law firm and they advised me that the attorney that made the error is no longer employed there, but they were willing to draft a letter explaining that the error was no fault of mine. The lender refused to acknowledge the mistake from the law firm. I then contacted the VA regional loan center and gave them all documentation and after their review, they determined that the mistake wasn't mine, and they would guarantee the loan. Said lender still refuses to grant me said loan. This is a time sensitive matter because my employer has offered me a promotion requiring me to relocate to XXXX ; hence the home loan need. I have to report to XXXX by labor day.

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 2021-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.

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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the XXXX   breach!!!! 

XXXX XXXX XXXX XX/XX/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 2021-01-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made approximately $ 30k in purchases at XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I was encouraged by XXXX XXXX XXXX to open a credit card with them so that I could save 15 % -20 % .. I normally do not open store credit cards, but since the discount was so large, and on this size purchase, I did so, and it was clearly something they were promoting. The credit card is through Comenity Bank. I did not receive a statement from Comenity Bank until XX/XX/XXXX. The statement had a finance charge of {$27.00} and an interest charge of {$800.00}. I immediately contacted Comenity Bank. After discussion with 3 individuals with Comenity, they refunded the {$27.00} but refused to refund the {$800.00} saying that there was one statement prior to the one that I received and the interest accumulated since the first statement. However, I never received a prior statement, only the statement on XX/XX/XXXX. I don't know if they mailed me a prior statement, maybe they did or maybe they didn't. Perhaps it was mailed and subject to the USPS delivery issues we are currently having during the pandemic, exasperated by the XXXX holiday. I know I did not receive it. The general manager of XXXX XXXX XXXX escalated the issue with Comenity to refund the {$800.00}, but they would not budge. They have my credit report at Comenity and can clearly see that I pay my balances in full every month and they have my credit score, which is excellent. It is very suspicious for them not to be reasonable about the fact that I did not receive their first statement when it is widely known and on the news that there are widespread USPS mail delivery issues. Also, the first statement was due on XX/XX/XXXX and I called them on XX/XX/XXXX when I received the second statement - a very short period of time, why wouldn't I have paid the bill 10 days earlier if I had received it? It doesn't make sense for them to be so unreasonable. Perhaps they are doing this to make money. It is completely unfair for them to charge me interest for a bill I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-12
Company: EQUIFAX, INC.
State: SC
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:
ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
I'm submitting my CFPB follow up complaint today, and as per FCRA section 605b Experian, XXXX and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX 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