BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
XXXX thru present. Terms insufficient termated transaction. On recite XXXX XXXX any of a. .Advocate said alot of people not. One said snack bar only XXXX. XXXXyrs XXXX limit Balances are XXXX for that purpose Got new pin today. Told I hope not to be disappointed..I Chatted excessive. on advance XXXX limitXXXX upgrade. XXXX help Alert Secret adversity plot Vile promise. XXXX Sycroiny Bank 5 months among 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 2018-05-12
Company: Home Loan Center, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I submitted a form on XXXX that espoused free auto loan offers that did not impact my credit score. I only gave them the last four of my social security number. They then proceeded to provide that information, although with my FULL social security number ( no idea where they got that ) to lenders that then pulled hard inquiries on my credit file. I did not authorize the hard inquiries and am now having to chase down the individual lenders to remove the inquiries, as XXXX XXXX says there is nothing they can do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: SYNCHRONY FINANCIAL
State: NY
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 went to get gas yesterday with my XXXX card ending in XXXX. I was told that I could not make the purchase and I had to call the number on the card to find out why. 
Today I called XXXX Customer service at XXXX. First they could not find my account. Then they told me I hd the wrong account my account ended in XXXX not XXXX. I was then told that the reason that I could no longer make purchases was because I am due for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments in the amount of XXXX. ( its not even XX/XX/XXXX yet? ).  I asked him when was the last payment sent he said sometime in XX/XX/XXXX they received XXXX. I checked with my bank while on the phone with XXXX and found that a payment in the amount of XXXX was sent on XX/XX/2018 and received by XXXX on XX/XX/2018. I was told I needed to fax proof of that payment in. I said ok give me the fax number. The Representative would not give me the fax number and said my call needed to be transferred to a different department. 
I was switched to a gentleman that identified himself as XXXX XXXX # XXXX. I told him what happened and that I needed the fax number to show proof of payment. He said that as far as he was concerned that was not necessary as XXXX never received the payment on XX/XX/2018. I was told I needed to call my bank XXXX XXXX and they would have to handle it. He then went on to say I would have to pay the money. I told him to close my account. All this sounded strange so I called XXXX XXXX XXXX My Bank the payer and spoke to XXXX she told me that that was not the case the money had been paid to XXXX and I needed to take it up with them. So now I am am writing you the CFPB. I need to find out what happened to the XXXX that was taken out of my account and sent to XXXX and why XXXX never applied the payment. Please Help me resolve this issue. 
See attached my XXXX card and my proof of payment to them from XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a victim of the Bank of America issue with the XXXX freezing accounts I have spoken to him for the past five months and I still have not gotten help and I have nearly giving up it's so hard especially everything is going on not only did they freeze my account and whatnot also money was taken from my account from a XXXX XXXX  account and I try to make the attempt to figure out who was and with cash at the only let you message him to the inbox when you use your own account while I didn't steal any money for my own card so course it can't help me and isn't XXXX number anyways I have told Bank of America I need to get my money they have XXXX my money and I want it and they won't give me my funds either hang up on me or the transfer to different apartment at saying that we can not assist me and XXXX said that they did their part that my sponsor which is XXXX needs to do their part and I've been waiting every since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.

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 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, On XX/XX/XXXX, I was denied by a creditor for health financing. Thus, I requested a copy of my consumer report from the consumer reporting agency the creditor used -- XXXX XXXX. I received my consumer profile on XX/XX/XXXX, and noticed SEVERAL fraudulent inquiries made by : " Santander Consumer USA XXXX DBA Drive Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ''. The inquiry type states, " Credit application ''. It fraudulently states I have submitted credit applications on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These repeat inquiries, systematically fall on the XXXX day of every 3rd month. Not only are they fraudulent but seemingly willful ( given the pattern of submission ) on behalf of the company. This caused me to be declined from healthcare financing. I received a determination letter from the healthcare financer that states, " Number of inquiries was also a factor '' in my denial. Thus, I have been gravely harmed by this institutions behavior I did not, on any of those dates, submit a credit application. 

When an individual fraudulently submits a credit application, especially in an ongoing fashion such as this, they are prosecuted by the FBI. Thus, this company, too, should be prosecuted. Lets start with XXXX XXXX ( the woman whose phone number is provided on my consumer report ). I tried to reach out via phone three times on XX/XX/XXXX at XXXX XXXX. There was no answer, but I left a message. I still have yet to receive a return call. I would now like a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and TransUnion about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a monthly {$19.00} credit check service via TransUnion on XX/XX/XXXX, and canceled the subscription service exactly one week later via their website, which confirmed my account was closed. Subsequent to this, I was charged in XXXX, XXXX and XXXX for an ongoing monthly subscription. I have called TransUnion to dispute this and was told that " I did not successfully finish the process of unsubscribing on their website. '' I told them that I had unsubscribed already and certainly wanted to unsubscribe again, effective immediately. Even at this stage, they suggested I use the website to unsubscribe. When I told them that my login no longer worked, since my account no longer existed, they asked if I was sure that I wanted to unsubscribe and made me confirm this multiple times. This is a scam and it should be rectified.

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 2019-01-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I was involved in a scam.My XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with MOHELA/XXXX 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  and MOHELA/XXXX XXXX XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: AL
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:
Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.

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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one is reporting me with late payments and that card belongs to my dad. 
XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Nelnet, Inc.
State: MD
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 had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TD BANK US HOLDING COMPANY
State: AL
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 noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX  never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX  so I never opened any of that mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are 3 hard Inquiry on my file report on transunion that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-09
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:
XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

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 2019-01-12
Company: Innovis
State: NY
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 was looking at my XXXX  score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are CBC Innovis XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A complaint was filed against Wells Fargo Bank # XXXX for the misapplications of my mortgage payments and for failing to apply the designated payments to my principal mortgage balance. Wells Fargo and XXXX XXXX  have put on two demands to collect {$76000.00}, to reinstate a loan where the borrower only owes no more than little over {$38000.00}. After writing and calling since XX/XX/XXXX, Wells Fargo essentially washed their hands of the loan and transfer the loan to XXXX XXXX and stated that they had no further dealings with the loan. XXXX XXXX has continued with the foreclosure sale dated for XX/XX/XXXX without any resolution to the original complaint, When a reinstatement was requested XXXX sent one out with the amount of {$38000.00}, XXXX XXXX Wells Fargo sent one out also demanding more money {$38000.00}, each institution has different wiring instruction for two different banks. 
This situation demonstrates no accountability and fraud on Wells Fargo part who seems to want to have it both ways. Wells Fargo written response clearly communicated that they were no longer the servicer and they had no intentions of rectifying the misapplied payments, yet they continue to use a questionable Trustee XXXX XXXX who the Secretary of State of California states they must use the word Arizona in their written communication which they refuse to do, now they are trying to collect more money than entitled to.

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 2019-01-12
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:
While reviewing my free annual credit reports from TransUnion, XXXX, and XXXX, I noticed an open account with XXXX XXXX from XXXX 2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the TransUnion credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.

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