BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: NAVY FEDERAL CREDIT UNION
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:
In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. 

I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX  when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to Experian as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.

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 2017-12-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
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:
I requested a report from XXXX and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit

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 2018-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is a continuation of complaint XXXX. I have yet to have the issue resolved with Capital One regarding the inappropriate fees. They have referred me to collections on top of this. Also the ongoing fraud investigation has yet to be resolved. I have called Capital One on several occasions, multiple times a week to get a status on the investigation because my account in its current status has had a negative impact on my credit report. No one will give me an account of what is happening, I have submitted requested ( and very sensitive ) documents over and over again, without any followup or request to resubmit due to an error unbeknownst to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : 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 2021-04-11
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:
I have sent to Transunion my XXXX  and XXXX  credit reports/files that show, I had identity theft on my credit report. For some reason, Transunion still has on my credit report and an item on my report that was due to identity theft, and as you can see from the attachments XXXX  and XXXX  have removed the item. 

I have attached the proof that XXXX and XXXX  removed the alleged debt from my credit report because it was identity theft. 
I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. 

My ask is that unless Transunion can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX  and XXXX  have done. 

CFPB can you look into this matter and my next steps will be to seek legal 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 explanation
Consumer complaint received 2019-04-03
Company: UMB FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
RE : Misleading offer from UMB Bank Visa Signature Card.

Offer States : " 20,000 bonus point offer when you spend {$1500.00} in the first 90 days of opening your account. You may even choose to redeem your 20,000 points for {$200.00} cash back or use it for other great rewards! '' Does not state in offer any delay in having points credited to your account for redeeming the reward. Other credit card companies apply the points to your account upon your monthly statement when qualifying for the reward. 

I did contact by phone UMB Bank and was told they did not have a rewards department or contact person and that any qualifying points that I was entitled to would be delayed from being added to my account after 90 days and one to two billing cycles of the card. This wasn't specified in the written promotional offer, making it impossible for any cardholder to be aware of the delay in receiving the bonus reward. 

I made numerous phone calls over a 2-day period ( XX/XX/2019 & XX/XX/2019 ) to have my reward points applied to the credit balance on my account only to be mistreated and given a vague response. 

Please note the offer states " WHEN '' I spend {$1500.00}, which means at that present time qualifying for purchases of {$1500.00}. UMB Bank is not abiding by the terms stated in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NY
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
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:
In XX/XX/2022 there were fraudulent transactions on my card I reached out to Wells Fargo and they said they would not cancel my card as I requested them not to do so. I received notification that my card had been canceled and a new one would be issued. I called back and asked why was my card canceled when I asked them not to do so they said it had been requested by me which was not the case. I had bills on auto pay which caused me to receive late fees and my new card took almost 2 weeks to arrive.

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 2018-07-12
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX  and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX  from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TD BANK US HOLDING COMPANY
State: AZ
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 TD BANK USA/XXXX XXXX. 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 TD BANK USA/XXXX XXXX   and with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Asked that a duplicate title release letter be mailed to me on XX/X/2017. 

Bank will only email me an " account status '' letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested my PMI be removed on my home. I obtained a BPO appraisal and was appraised to a value that put my LTV at 80 %. The mortgage company rejected my request because now they are saying my LTV has to be less than 75 % because my loan is less than 5 years old. I have searched the laws and I cant find that listed anywhere. This is not the mortgage company I bought my home through. My loan was sold to this company just a few months after closing. I didnt sign up for those terms. I sent a rebuttal letter XXXX and never received a response. I called the mortgage company in XX/XX/2019 and it was under review. I called again around XXXX and was told I was still denied due to the length of the loan and LTV was not less than 75 %. I was told I would be receiving a letter, however I did not receive any letter or follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Was not notified of investigation status or results

Complaint:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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