BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They have my worng persoanl information reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I used my debit card to purchase a door from XXXX XXXX XXXX XXXX My bank card was with Capital One Bank . The card was run through 6 times and the bank authorized pay ment 3 times the amount was {$4200.00} times 3 that illegal plus my limit was {$2500.00}. I went to the bank and talked to at less 8 agent 4 were supervisors the all had a negative attitude showing me on the screen my account was right but would not let me see the other screen that showed the truth and the name of agent the made 6 illegal mistakes my account is still missing {$4200.00} Tried to file complaint at the bank but they would not allow me to nor give me any information how to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: AES/PHEAA
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:
My consolidation loans with FedLoan servicing is incorrectly showing a past due balance. I have reached out to FedLoan three times and the issue has not been resolved. My payments have always been on-time, in full, and never late. 

My account is on the REPAYE program and was properly recertified. In XX/XX/2019, i returned to school ( XXXX and XXXX XXXX - LLM ) and took out an additional GRADPLUS loan. Without my knowledge my consolidation loan was put into deferrment. I filled out a form to undefer the student loan. I continued to make all payments during this period. The deferrment was taken off ; however, it now shows a past due balance even though all payments have been made. I believe the issue is how Fedloan servicing applied my payments. I did not " target '' any loans, again, I did not " target '' any loans. 

I demand that Fedloan servicing fixes their error, properly credits my payments, and returns my account to a good status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company operates under two names Columbia debt recovery and Genesis collections. They have put a negative mark on my credit without notifying me of debt. When I called, I first spoke with someone named XXXX who was rude, kept talking over me and said that my complaint was " not a big deal '' and that they have something called " a hardship '' that might be able to lower my amount due. He then stated that theres no rush on it as his sarcastic implication was as if I couldnt pay it anyways. 

Problem is-THIS IS A BIG DEAL to me and I asked for an itemization of what they are trying to collect on. I even asked for proof that they are who have been put in charge by XXXX to collect. This person was sarcastically speaking so I asked for a manager. I spoke with XXXX XXXX who did speak professionally and heard me out without speaking over me. Still, this company refuses to remove this collection from my account while correcting the amount due errors or giving me a chance to pay any correct amount and instead, XXXX stated " we will update it '' with the correct amount due. However, this shouldnt be there at all because they never gave me a chance to pay the correct amount before putting this on my file. XXXX also stated that he has had the account since XX/XX/XXXX and that they mailed me a letter of the debt. I told him that you did not because I would have received it and it would have also been pictured in my informed delivery from the USPS which nothing from their company has been. I also asked for any proof of mailing me such notification and he said they arent required to have that. Still, XXXX refused to remove this from my account. This is a collection, full of fraud/eroneous billing that has been placed on my credit file ( s ) under two different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: FIRST HORIZON BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AZ
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:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " 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 explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing this due to non-compliance with the bureaus ( Experian, XXXX, and XXXX ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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 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 2023-01-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to deposit a reimbursement check from my XXXX XXXX business account for the amount of {$2900.00} check # XXXX, into my Huntington Bank checking account using a Huntington Bank ATM. The chip in my card was not working so I could not use the ATM. My friend who was with me also uses XXXX and suggested I deposit the check in her account and she would transfer the funds once she received them. I failed to sign the check over to her and Huntington Bank has seized the funds. The check has cleared my business bank but Huntington refuses to release the money to my friend or return it to XXXX XXXX A few weeks passed and my friend received a form for me to sign authorizing release of the funds to her. I signed the form and submitted it to Huntington Bank XXXX XX/XX/XXXX. I was told it would take 24 hours for the funds to be released. Today, XX/XX/XXXX, the funds were still not released so I had the bank resubmit the form. I was told the funds could be released within hours, but they have yet to be released. As of today, Huntington Bank has held my funds for 24 days without and end in sight..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ). I have sent to a 1 ).  I have sent to a Cali fornia Beneficiary Information reque st Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notic e Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused  to return the information as required by the California   Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar on    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowle  dge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date s  cheduled for  XXXX   XXXX ,  XXXX  for the home.       4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gross income.
Request Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notice Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused to return the information as required by the California Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowl  edge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date scheduled   for  XXXX   XXXX ,  XXXX  for the home.      4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gros s income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit 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 2021-07-25
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive notice of a medical bill. Because they failed to send a debt validation notice, I did not even know about this bill. 

Details - Collection Agency AMERICOLLECT INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$70.00} Amount {$70.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) 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 2019-10-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went into a bank to open a checking account and after opening the checking account i inquired about a load. They recommend to me a sba microloan. I say down with the loan officer. The loan officer proceeded to fill out the application and ask me a few questions to complete the loan application. I had asked if a bankruptcy over 2 years old was an automatic denial they replied no. So i signed my name to it without reviewing what the officer entered. They said the application would be immediately submitted that day and I would have a response by XXXX the following day. Around XXXX the next day they called me and asked me to sign another spot on the loan of that was transmitted to me thru email. I did and emailed back to them that night. The next day and they said I was denied because of the bankruptcy verbally over the phone. I went to the SBA website to review conditions to qualify for a microloan and to my understanding discharged bankruptcy over 2 years was not grounds for disqualification and also saw than my fico score was within guidelines. The next day I went in with tax records and bank statements to submit and ask for reconsideration and offered collerterial to cover the difference of the SBA guarantee so that they would be secured 100 percent of the loan. I waited till an officer was available to plea my case and during that the branch manager introduced herself to me very loudly and said there is no reconsideration and our voices escalated to where everyone in the bank could hear. I was afraid that she may call the police on me so I exited the building. When i got into my vehicle she was standing outside watching me. I guess she had followed me. I called TD bank customer service to talk to a business account manager and explained what had just happened without naming names or branch location. He assured me that someone would contact me to hear my request for reconsideration. They never called back. I did get a call through from the manager who threw me out to apologize for her behavior. When I received the decline letter i was bankruptcy but after researching sba loans it is my understanding that the SBA also has to provide an adverse action letter as well which I never received. My complaint is I don't know if the application was filled out properly having the right information on it i signed. The behavior of the bank manager. The reason for adverse action that was not supplied to me from SBA and not being able to plea my reconsideration. The bank representative was bank manager XXXX at the XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX  ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX 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 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 2023-08-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX, I live at XXXX XXXX XXXX XXXX, LA XXXX PH # XXXX I have had some health problems that cause me to lose my job and and a result my house payments got far behind. I have been trying to get a load nodification. Rushmore Management is PURPOSELY giving me a hard time requesting documents I already sent and asking for bank account information I don't have and never had. I once did gig work with XXXXXXXX XXXX XXXX XXXX and XXXX.I never had a business account. my pay was loaded to their pay card. I sent statments to show that. I am now working full time 40 hours per week and can afford to make my house payments but Rushmore is PURPOSELY wasting time with asking for information that is nonexistent or what I already sent so they can forclose on my property. I am asking for help. I want to keep my home. I understand the payments must be made monthly and on time. I can now pay but my lender is operating in a un business like manner. my loan acct # XXXX. I also called today to check the status of my modification and spoke with loss draft department their ID # XXXX, to only learn my mortgage company is still playing games. The under writer who is assign to my account is very difficult to work with. Thank you.

Company response to consumer: Closed with explanation