BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I used XXXX as the promo code and opened the checking account under the terms below at capitalone.com. 

The terms : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. 
Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. 
This account is subject to approval. This offer can not be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account. 
If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I fully fulfilled the terms but never received my {$400.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I asked XXXX Mohela to defer my student loan payments for three months as a hardship in repaying my loans. Note my monthly payments are {$1300.00} per month. My husband is not working and has XXXX and we are now in the mist of mounting medical debt. I asked XXXX to defer just so that I can his doctors the {$6000.00} owed. Instead XXXX said no and raised my fix rate from 5.99 % to 6.79 %. I think this is unethical and outrageous. The FED gov is forgiving tens of thousand in student loan debt, you would like these private companies would do something similar or work with the consumer. Please investigate and I am hoping there is something that can be done. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I co-signed a school loan for my niece. My niece consolidated her debts on XX/XX/2020. I received a call from Firstmark Services on XX/XX/2020 at XXXX, notifying me the loan was past due in the amount of {$210.00}. I notified the Firstmark representative that my niece had just consolidated her loans and they should be receiving a correspondence or payment soon from the company. I informed the representative that there was no need to make further calls with the information I provided. 

XX/XX/2020 at XXXX, I received another call from a Firstmark Services representative notifying me my niece loan was past due in the amount of {$210.00}. I informed her that I had already received a call and notified the previous caller that the loan payment was being taken care of by a debt consolidation company. I further informed her that I would consider any further phone calls to be harassment. The representative told me they were not harassing me and had the right to call me until the past due amount was paid. 

I did not answer the following calls. XX/XX/2020, at XXXX, XX/XX/2020, at XXXX and XX/XX/2020, at XXXX. I answered a call on XX/XX/2020, at XXXX, a Firstmark Services representative named XXXX. I asked XXXX if they would know if their company had received any correspondence from the consolidation company notifying XXXX that they would be making payments. XXXX stated they would most likely just make the payments. I asked XXXX if he could see the notes from the previous calls, that I requested the phone calls to stop or I would take legal action for harassment. XXXX said it was in the notes but as long a the account was past due they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX rose gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have considerable funds on deposit at Navy Federal Credit Union including checking, savings and CDs. I submitted a line of credit application which had a maximum amount of {$15000.00} for my checking account, requesting an LOC amount of {$10000.00}. My credit score from XXXX is XXXX. My application was denied. When asked for a reason for denial, no reason was provided. Please require Navy Federal Credit Union to provide a complete explanation of their rational for their denial of this application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: IL
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 took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX  XXXX  XXXX  to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX XXXX XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dispute and Appeal

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last year Capital One closed my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) unexpectedly for one reason : activity that is not consistent with the banks expectation ... I had purchased tires online as a gift for my son, whose father had recently died in his arms. This is what they closed my rewards card for. Never a late payment ; never over the limit. Last month, I decided to open another card with Capital One based on being prequalified for two of their cards. After applying, they congratulated me on the card, sent an email when to expect it in the mail. When I went to activate the card, the day I received it, I was sent to a representative. This person said it was bad. I immediately felt offended. Bad, how? He said my account was closed. I asked how could that be since I just received it, and was trying to activate. Instead of giving me a reasonable answer, he gave me the run around, acting like I did something criminal. In fact, I told him that I was offended, and this whole thing was humiliating to me. Why approve me for a card and then close it before I even used it? Heres more issues : I took another 4 point reduction on my credit score for applying after they prequalified me ; now Im waiting on another hit to my score due to a card I never used being closed by them not me! All this because I purchased tires for my son?! That is inconsistent expectations? Are they stalking every purchase? I do nothing illegal, Im a tax paying home owner ... I stand extremely offended. Not only did Capital One close one account for inappropriate reasons ; they closed two. Furthermore, the representatives were extremely demeaning and I do not appreciate being condescended to that something bad showed up on the computer screen! A tire purchase is the only think I could think of. They were over {$500.00}, but I paid them off right away. Other purchases were typical. Groceries ... gas ... I have had enough of Capital One. Their actions have cost me a lot of damage to my credit. Please help. Thank you in advance! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with XXXX. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2021-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Please find the attached letter, XXXX label and fraud alert that I put on my account once I learned that an account was open with USAA. I have contacted them over and over to be told this account would not negatively impact me or my credit. I was told there are notes on my account and to disregard any letters. I was told they could not send me any confirmation due to me advising that this account was not mine. I need this cleared from my account immediately I am attempting to get a house loan and this is impacting me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ID Analytics, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Date of call : XXXX Unable to lift credit freeze using phone number provided by company : XXXX. No option is provided to lift or remove a freeze. No option is provided to speak with a representative. 

Per company ( https : //www.sagestreamllc.com/security-freeze/ ) : You can request the lifting or removal of the security freeze using one of the following options : Submit your request securely, online by completing our Security Freeze Lift / Removal Request Form Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX : Call us at : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: MD
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 received an email earlier through Equifax Inc was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with XXXX not as reported by XXXX through Equifax XXXX Inc for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: IL
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:
I am well aware of my rights as a consumer. I've reached out to this company several times regarding incorrect information within my credit file that means that they are reporting inaccurate information, I have no knowledge of these accounts being reported It should be noted to me an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access. but it was done through fraudulent means, it is not a factual record As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify. meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: FinCo Services Inc DBA Current
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had someone call me using Current banks customer support line claiming to be the fraud department. 

This person had my phone number & last 4 of my card already. 

They used this information to acesss my account and transfer EVERYTHING to themselves. 

{$3600.00}! This had to be a inside job & the bank is making no effort to contact me back about this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: CO
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:
Equifax is still showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA 609/611/623 violation. The Following accounts are listed : CAPITAL ONE BANK USA NA # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A few years ago something happened to make my mortgage goes into the delinquent status sso I called the mortgage company and they explained to me that I had missed a note two years ago so I brought the note current and they came back three years later and did the same thing which caused me to go into a foreclosed I know I had missed a note because I kept very good track of the payments after that the mortgage company did not want to hear what I have to say I've wrote letters and complain it an asked them to correct the matter they didn't prolong the issue until there was not enough time to correct the matter I had to file bankruptcy to save my home after showing them that I had not missed not one payment that still didn't matter being that I have the FHA 's very strict contract they disregarded all of the guidelines legal statutes and laws in my FHA contract through the FHA contract they found they could not foreclose on the book only put me through a forbearance plan and they had to get permission from the Bar Association to consist however I brought my long comment begin did everything that was asked of me through the forbearance plan and completed it and gain some interest back that was not replied to my principle about a long XXXX XXXX dollars that went into overpayment to bring my loan and reinstate my insurance however that didn, t happened I have spent money and time to fake foreclosure and now I am on a fourth fake foreclosure and I know and have record that I never mixed not on payment so I havenever should have been either foreclosed and look like to get rid of this one I'm going to have to file bankruptcy again mid First Bank is repeatedly committing bank fraud in predatory lending insurance fraud and breach of contract not to mention the sentence of 15 years of emotional distress and mentally anguish

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