BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Went to XXXX to check credit card offers so I can get a card with intro rate of XXXX % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose Capital One Savor One Cash Rewards card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the Capital One number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. XXXX  ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down XXXX XXXX with the Capital one credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with Capital One over a decade ago which was XXXX though a XXXX  back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX  so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Reliant Capital Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My payment plan with my school was sent to collections without my knowledge. The collection company has reported this debt to my credit. Also the name they are reporting is not my name. This collection company reliant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I keep receiving emails from Bank of America regarding a new checking and savings account being opened under my name. I have called two times to close these accounts. But it continues to happen. I would like Bank of America to take action and not allow these accounts to be opened online. I am worried something fraud will result from these instances.

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 2021-11-06
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had two atm withdrawals that I did not make. i immediately reported the transactions to chime banking telling them that it was fraudulent and was not me. They closed my debit card and said they could not do anything about the transactions until they processed because they were still processing on my account. There was one transaction for {$400.00} plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021 and then another {$400.00} withdrawal plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021. I informed them that this was not me making these transactions and I still have my card on me and my phone and have not given my information out to anyone. They said they couldnt do anything until the transactions were processed once they were processed I called them back and again told them that these were not my transactions and that that money had been stolen. They said they were going to investigate it I never heard from anyone and then it said on the app that the investigation was closed and my claim was denied. So I again called them and told them that this was incorrect and they needed to re-investigate or do something because these withdraws were not mine I did not receive the funds. They said they were going to open the case again I have not heard anything from them besides that they say I have used this ATM in the past and therefore they do not believe that they are responsible for the withdrawals. I have since contacted the institution where atm that the withdrawls were taken out it is XXXX XXXX XXXX in XXXX  XXXX WA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported all to the ftc and transfusion, 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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to XXXX to verify the accuracy of two acts open fraudulently and ask the to request documentation if the acts and signatures and they refused to do so. If they did request it I was not giving proof. I was only told they investigated it and it was accurate but no proof they actually did that.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX  accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2020-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX of XXXX. Which is untrue.

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 2020-08-11
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Mortgage Research Center, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I saw a home for sale ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) on XX/XX/2023, learned it was a VA loan, and submitted an offer that required a VA Loan Assumption ( swapping out the current owner 's VA XXXX loan entitlement for mine ), and it was accepted on XX/XX/2023 with a contractually obligated closing date of XX/XX/2023. The lender, XXXX XXXX XXXX XXXX ), provided the wrong direction to me, for the first 2 weeks of a 30-day closing process. You see, I had XXXX homes on a VA Loan at the time, one in XXXX XXXX, IA, and one in XXXX XXXX, MD. VU confirmed to me, multiple times, by multiple loan officers, that I only had to refinance XXXX the XXXX XXXX XXXX out of a VA Loan and I was good. On Friday, XX/XX/2023, XXXX contacted me to let me know that everything they had been telling me to do was wrong. When I asked why, they were unable to explain why or provide supporting documentation in the VA XXXX XXXX why. I requested documentation but never received an explanation or citation. The new direction I received was that 1 home had to be sold and the other home refinanced out of a VA XXXX. Now, on the Friday before XX/XX/XXXX, I just had XXXX weeks to now sell the XXXX XXXX XXXX and begin the refinancing process of XXXX XXXX. I was able to accomplish both tasks but VU was constantly making up new rules and requirements. In the final XXXX weeks of closing, I had to call the Department XXXX XXXX XXXX XXXX VA ) nearly daily in order to get them to contact VU and have them explain themselves, and every time VU would fold and rescind their requirements. XXXX specific examples are : ( XXXX ) on Tuesday, XX/XX/2023, VU contacted me to inform me that they could not close on XX/XX/XXXX without an updated VA XXXX XXXX XXXX ( XXXX ) which is factually incorrect. I contacted the VA, the VA emailed VU, and VU honored the VA XXXX XXXX and confirmed they could close on the XXXX, MD XXXX on XX/XX/XXXX. This happened, yet again, within XXXX hours of closing, at XXXX pm on Thursday, XX/XX/XXXX, that VU would not close without a new, updated XXXX. VU 's loan XXXX, XXXX XXXX, informed me that XXXX 's legal team stepped in and enforced this requirement without providing any supporting documentation or explanation. Again, I called the VA, and they fixed the situation yet again but were alarmed to hear that a company 's legal team stepped into the mortgage closing process after the " cleared to close '' has been issued, within XXXX hours of closing. We demanded an explanation from VU to explain the irregularity of their legal team 's involvement but were provided none. I believe that XXXX was trying to prevent the loan assumption because it would be less profitable for them because the loan was going to be assumed at 2.75 %.

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 2017-08-01
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a large payment to pay down the principal of one of my student loans. Nelnet does not recalculate automatic loan payments and make it unnecessarily onerous in order for them to recalculate automatic loan payments. I 've contacted them twice with regards to me paying down the loan while the automatic payment amount has gone unchanged. This varies very differently from other student loan service providers I have used, specifically XXXX XXXX. In addition, Nelnet does not allow for me to change the automatic payment myself, so regardless of how much I pay they will continue to take additional money out of my account to force me into shortening the duration of the loan rather than lowering my monthly payments. I have already submitted a letter indicating I do not want to advance my payment schedule, they continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was stuck in Florida and bought a NetSpend card at a Love 's truck stop because I needed to get an XXXX to the airport the company refused to activate the card told me to call back on Monday so I then walked the XXXX MI half of it that night and then the next morning after spending all night on a bench at a bus station bus the rest of the way to the airport almost missed my flight when I returned home I contacted NetSpend and asked them why I could not be activated they still have not given me any reason besides I can not validate and address for an old account which I had XXXX to XXXX years ago they made no effort to give me back my money the amount of distress that I went through is unimaginable I starved for almost 2 days because I put every dime I had on that card thinking that I would be able to use it and it would be safe all they do when I call is past me around from representative to representative and basically tell me that I receive my money when they decide to release it

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 2023-08-02
Company: Acra Intermediate Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is held by Citadel Servicing Corp, dba Acra Lending. 

I've been told by customer service via email that " your account does not qualify for interest on escrow as this is a state by state requirement and the state of Texas does not qualify to have an interest on escrow. '' This is a predatory practice. I'm reporting this as a complaint to the CFPB because homeowners in Texas are being taken advantage of. We are being charged exorbitant interest expense on our home loans, while not being paid interest on our escrowed funds. This makes no sense and is tantamount to theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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: Information belongs to someone else

Complaint:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX/XXXX is fraudulent on my credit Account # 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 2020-08-11
Company: WELLS FARGO & COMPANY
State: SC
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:
ATTENTION CUSTOMER SERVICE WF/XXXX  Account # XXXX is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this ridiculous debt. I was given free pillows and now they're trying to charge me for them?! I tried to return the pillows when I returned the bed and they wouldn't accept them. I can't tell you enough how many times I have tried contacting this company to resolve this issue. No one wants to call me back, NO ONE wants to answer the phone!! I have never received any notices, letters, or phone calls about this debt. I do not owe this debt. This debt needs to be removed immediately off my credit before I get my attorney 's involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I set up an account with MOHELA and paid the past due balance online on XXXX. I called MOHELA on XXXX to discuss this and they left me on hold for an hour and 13 minutes with no answer. When I set up my account to make a payment, they had an old address and phone number listed for me, which I don't know how that happened since the prior servicer, XXXX. has my current contact information and I haven't lived at the old address since I moved in XXXX of XXXX. MOHELA claimed in an email that I had asked for paperless billing, which I never did. Their poor customer service resulted in me missing my XXXX payment. I feel like their ineptitude has now jeopardized the Public Service Loan Forgiveness that I had been notified in XXXX that my application had been received by the government. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deserve this loan forgiveness. I also don't believe I should have had to make any payments to MOHELA, but when they don't mailed me timely billing statements or answer their customer service phone line, it's impossible to resolve with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with US Bank never received my card and when I did finally receive my card their were transactions, I didnt make so I did one dispute, and US Bank did multiple Now theyre holding my money hostage soon as they sent me a card my account is on hold so I cant redraw any money and US Bank said it will be a check and I never received that either

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 2020-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have disputed several hard inquiries found on my credit report. XXXX has investigated these inquiries and found them to be incorrect and deleted them immediately. Transunion has failed to do so.

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This account still shows up on my credit report and it is unverified.

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 2020-08-11
Company: EQUIFAX, INC.
State: AR
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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED  XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX   XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}

Company response to consumer: Closed with explanation