BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX Bank, XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.

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 2019-03-15
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX   XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus  and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Nelnet, Inc.
State: DC
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:
In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
When I received my XXXX credit card statement the balance due was {$120.00}. I elected to use my XXXX Rewards of {$130.00} to make the payment for the month of XXXX which was due XX/XX/2019. This should have left a credit of {$5.00}. 

I received my statement for XXXX that showed a credit of {$130.00} posted on XX/XX/2019 which left my account balance of XXXX ( XXXX ) dollars, it also showed a late payment fee of {$25.00}. 

My question is how can there be a late payment fee when the account was reconciled by the due date with a XXXX balance?

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 monetary relief
Consumer complaint received 2019-03-15
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:
XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-11-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Chase, regarding my Chase Sapphire card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: STIFEL FINANCIAL CORP.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We wanted to make sure it was known that after a thorough search of options, we selected to apply for a VA Home Loan with XXXXXXXX XXXX XXXX XXXX. Everything sounded great, and there was absolutely no mention that the loan would be sold until we found it in the edocument disclosures to sign. Their online system actually scans past all of the disclosure information and sends you straight to the signature line. We had to scroll back up to read all of the information in the disclosures. ( Luckily, we did that because there were several errors. ) Needless to say, in the middle of all of the disclosures is when we found out the loan would be transferred. This is what we consider to be another shady practice of Stifel, and we think that the mortgage officer should have talked to us about the transfer up front. We should have known before we decided to lock in our rate and push forward with closing with Stifel that they would not hold our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company PHH has locked me out where I can not go on line to upload documents and they call me and when I say hello the hang up I informed them last month that I have been affected by the Covid 19 Pandemic and now they are attempting to accelerate my loan and they already sold one my other unit for {$15000.00} and they are trying to rip me off for {$89000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get a VA home loan through PNC bank, I was told to go outside my branch to XXXX NJ and got XXXX XXXX, he was unhelpful and did assist me what so ever, so I filed a complaint with the escalations team and was assigned a national loan officer XXXX XXXX via email, i was pre approved and asked for a letter for a certain amount that was to be my offer, she sends the FULL amount I was approved for, which is not what I asked for, she says to me that i can use that just not pay that for the home!? this is loan 101 no no, I told her she was wrong and I want the letter I asked for, she sends me this child like word doc with PNC n her name typed with the loan amount, that loked so fake and unprofessional, I told her this and she argued it doesnt matter, I said it does, she refused to get me the color copy which is the official pnc one, but i sent to the realtors and of course I was laughed at and it XXXX off the seller as they thought it was fake too! I file another complaint, then was assigned XXXX XXXX, who told me he likes Vets and will help me! he sent some stuff I needed but then when I asked questions he REFUSED to answer, REFUSED to email me back, then later REFUSED to call me back!! he also aprroved me for XXXX, he DID have the address and the tax info and my INCOME info, he said proceed with the sale, i was at inspection phase and he sends me a letter for XXXX, but wont cal me or email me why. I filed another complaint and got XXXX XXXX his boss, he took over, then REFUSED to answer questions i had on the loan and ones asked by the realtors, I asked ovr n ovr and was ignored over n over! I filed many more complaints via the escalations team, and neither XXXX nor XXXX would reply to me n answer questions. I then was MAILED an approval letter for XXXX?!!? WHY?!?! NO explaination, no call no email, yet was told to buy the house! I filed another complaint, it went nowhere and I was told they dont have to answer questions! I then got another executive manager to look into this, she tried but came back with lies and no answers. all she did was tell me the lies that the loan officers told me! she said they said they didnt have the address or tax or income info which was a lIE as i never asked for the loan without providing that info as that was the ONLY home I bid on! I told her this and she got snippy and still never got me the naswer why my approval went down that HUGE amount! on top of the super unprofessional behavior of pnc mortgage team. I reached out to my branch for help and they refused to help too. this was XXXX - XX/XX/2020. I have many emails asking for HELP on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
I finance my vehicle with Hyundai Finance Motor. I been receiving monthly statements from them since XXXX of XXXX. I made my final payment on XXXX. Today, I can not get my title nor a lein release for this vehicle. I have called them and has been told to allow title to issue 3 til 5 business days. Still no title or lien release. I called Hyundai Motor back, just to be told not able to speak with a manager only the highest command is a supervisor. This is my 2nd time trying to trade the vehicle in and has not been successful for getting a title. I asking to be paid {$1500.00}, a month from XXXX, XXXX, XXXX, XXXX and XXXX for a title of {$6000.00}, til I receive my title. I'm asking for titl to be overnight to physical address XXXX XXXX XXXX XXXX XXXX SC 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 2020-11-17
Company: Recovco Mortgage Management, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had an issue with my Mortgage. The mortgage was issued by Sprouts mortgage and brokered by XXXX XXXX. The mortgage was originally suppose to close on XX/XX/XXXX. I called every day for two weeks prior and we were suppose to close and everything was fine and i had setup my move. At XXXX XXXX on XX/XX/XXXX, i was told it was not going through. The company went radio silent and i di not really hear form them again until XX/XX/XXXX when they told me they were ready. I tried every day. I was effectively homeless and had to make arrangement on where to live with a 1 year old. It cost me XXXX buck and was not fully reimbursed. In addition, it took the firm over a month to get it set up on their system for me to make my first payment. This company was taking advantage of consumers and left people homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I ordered a article from XXXX and used the flex pay option to pay with my credit card. It was denied. Today I received a letter stating that they did a credit check using that credit card. I called customer service today and they stated they did not run a credit check on me. I disagree and I never authorized XXXX to run any type of credit check.It does not say anywhere on this site that this would be done. It improper use of my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: PA
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 found on my credit report from Equifax that XXXX XXXX  XXXX XXXX  did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, Equifax had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the bureau to inform them of the inaccurate inquiries on my credit report i was advised to call the company which I did and was told to call Transunion back so they could work together to have it removed but nothing was resolved XXXX XX/XX/XXXX contacted the bureau issue remains unresolved XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Contacted the bureau and it remains the same and unresolved

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 2020-08-25
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Entered into contract to buy a house. Loan originator has drug his heels for 2 months. Closing date has changed 4 times and still can't get a firm date to close. Southwest Funding has created a major nightmare

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased {$5700.00} of furniture and decor from XXXX XXXX on XX/XX/18 using their store-branded credit card ( can only be used at XXXX stores, not a XXXX, XXXX or XXXX logo card ). I checked off the box for a promotional 0 % financing for 12 months. I made sure that I did that critical part of the step. I paid my first payment due XXXX and when my following statement came due for XX/XX/XXXX, I noticed a {$120.00} interest charge on the statement. 

I didn't think the statement due in XXXX had all of the purchases I made on it because some of them hadn't been delivered, that's why when I saw the minimum payment as {$320.00}, I assumed that was because only half of the furniture had not been delivered. 

I called to dispute this and they told me they would return my call in the next couple of days. It has now been 7 days. I signed up for a 12 month promo period, and they just put it in a payment plan that was due immediately. This is very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.

Company response to consumer: Closed with explanation