BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One 's abrupt policy change to only accept bank routing numbers for credit card payments has unfairly led to late fees, harming customers and potentially damaging their credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I have a checking account and a debit card with Citibank When reviewing one of the statements I noticed a charge called " Foreign Transaction Fee '', I looked further and it turned out I was charged XXXXUSD of this fee in total over the past 15 months or so I raised this in the bank 's branch and ask to refund the fees as I wasn't aware about them, they told me that they notify the new clients about the fees and refused to refund it.., but I was never notified about this fee, neither verbally or in writing. Also other banks have never charged such a fee to myself so I couldn't imagine it was possible.. 
Can you please advise what could be my potential next step to try and have this fee refunded? 
If it helps - the Citi bank 's person name who refused to refund the fee is : XXXX XXXX ( Vice President, Branch Manager, NMLS ID : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ) thanks a lot in advance for your kind help with this have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX  {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day? 
On XX/XX/XXXX I had a mortgage payment XXXX  and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX  and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ). 
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX   receipts prints date AND time for electronic payments " bank card '' same USPO receipts

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 2023-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX charged me multiple times in total {$88.00} on XXXX XXXX. ( Morning ). I called Wells Fargo when I got the notification message and they closed my card and replaced it. ( I received the card few days later ) On XXXX XXXX, Wells Fargo mail me a letter states that I denied my claim and the claim was considered closed. However, I didn't authorize those transactions, It's rediculous as I really did nothing and even don't know who used my card! 

I called back to Wells Fargo but they said there is nothing they can do. I'm so frustrated with their poor investigation ability. Could you please help me with this please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to authorize nor benefit from the following account ( XXXX ). Block and remove.

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 2023-09-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment has a due date of XXXX. I went to pay it today only to find they have an unfairly early cutoff time that benefits only the XXXX XXXX. The time is set for XXXX EST which is only XXXX PST. No other credit card company does this. It is not something that is fairly done, if a payment is due on a certain day all other credit card companies give one until XXXX to pay, this includes those on the east XXXX XXXX, they also make an allowance for time zones. I did speak to someone who basically told me there are no exceptions and that I was rather stupid not to notice they had a very early time in tiny print on the back of the statement and it was my fault and " too bad '' for me. It seems a punitive way to make people pay days ahead to not be charge late fees again. It is even too early for the EST, XXXX is not an accepted time, again XXXX is. I will be incurring a late fee for paying on the day it was due. This is XXXX XXXX XXXX XXXX XXXX, they recently took over from XXXX  XXXX XXXX who did not have such unfair and unheard of cut off times. Why do they have EST cut offs when they are based in Texas? I do not think it is fair to be charged a late fee when one has paid on the exact due date and before XXXX in one 's time zone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Back in XXXX I called XXXX to request a refund for the payments I made during the pandemic period as allowed by the cares act. In XXXX they said my refund was above and that the funds to be refunded were transfered over to Mohela since they were the new servicer for my loan. I called Mohela and they couldn't confirm this info and said I would have to wait. Since then there's been no updates and I still haven't received my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-04
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Redfin Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Redfin Mortgage handled our mortgage loan origination, and we were misled throughout. We were baited with appealing interest rates that they did not deliver, kept on the hook while they 'investigated " credit worthiness for weeks, only to be told they would stick to the original, flawed credit information that we had diligently corrected and for which we provided evidence. Being that the sale was scheduled to close a couple of days later, we were forced to stick with them instead of using a different lender. Throughout the process they kept losing documents and failing to convey information to the next person in the closing workflow. Only countless hours trying to fix their errors and laziness kept the closing on track.

After all of this, Redfin Mortgage transferred the loan to XXXX XXXX  dba XXXX XXXX, and they could not be bothered to pass on relevant information like our homeowners insurance policy. This resulted in the servicer, XXXX XXXX, threatening to charge us for high-priced, low-quality insurance. 

I would NEVER, EVER deal with Redfin Mortgage again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX We went to a club in XXXX Fl I authorized XXXX charge of {$700.00} for a table. They requested to keep my card and ID until we left just incase we order anything else I agreed and signed the receipt authorizing only {$700.00} crossed out tip and put {$700.00} for final amount. They kept charging my card multiple time equaling to {$4000.00} and XXXX of the waitresses used my card to order something online. I called the establishment and told me they will review the cameras and I should call the bank to dispute charges. Which I did chase reversed my disputes claiming they have receipts which makes no sense ok they charged my card and because they have a receipt its prof I did not sign anything not authorized anything but XXXX transaction. XXXX is requesting me to send them a receipt for the XXXX transaction I never received XXXX. XXXX is not will to re open the claim. I have only claimed XXXX transactions the whole year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
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:
All 3 Credit Bureau 's did not fix the problem of " Statue of Limitation Law '' for the State of Georgia. The Georgia statue of limitation law is capped at six years, and you can not be held accountable or be sued if the collector tries after four years since you made your last payment or defaulted. The account was open with XXXX XXXX XXXX opened XX/XX/2015 and charged off car and totaled in accident. It must be removed from credit report.

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 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
All three letters were mailed certified to the national credit bureaus. reference numbers below : XXXX- Equifax XXXX - XXXX XXXX - XXXX please see the attached letters and please remove the inquiries based on those letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Was not notified of investigation status or results

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2018-07-27
Company: Nelnet, Inc.
State: HI
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:
On XX/XX/XXXX, I contacted Nelnet in regards to what my repayment options were for my student loans. The representative asked for my updated contact information, which I gave them. After explaining what my repayment options were, I was emailed an application for income based repayment and told that it would be pre-filled out with my current contact information. 

Later on that day, I received the application as the representative stated with the correct contact info, filled the rest of the form out and sent it back via email. 

For the following 4 months, all of my loans remained in good standing and were listed as current on my credit report. Flash forward to just a week ago and I find out that I am suddenly 2 months behind and have negative marks added to my credit report due to both XX/XX/XXXX and XX/XX/XXXX payment statuses being reported as late. I had no idea I had fallen behind since I had not done anything differently on my repayment since first contacting them in XX/XX/XXXX. 

When I contacted Nelnet again on XX/XX/XXXX, the representative I spoke with read off the wrong contact information to me when we connected on the phone. I once again gave him the correct info and he relayed to me that the reason why my payments were marked as late is because they did not have updated contact info for me. 

I let him know that I had electronic proof of them having the correct contact info from the pre-filled form they sent me back in XX/XX/XXXX. He apologized and told me there was nothing he could do to remove the marks on my credit history and once again forwarded another application on to me to fill out. 

I once again filled out another income based repayment application and sent it to the proper email address as instructed. It is presently XX/XX/XXXX and I still have not heard back from Nelnet about what my repayment options are. I'm extremely worried because I do not want to have any additional negative marks added to my credit report and I am making the effort to communicate with this company to responsibly resolve my debts. 

I contacted Nelnet again on XX/XX/XXXX via chat about once again disputing the information posted on my credit report and the representative I spoke to even gave me another address they had listed for me that was incorrect and had never been one of my former addresses. He also told me there was nothing he could do to correct matters and that I'd have to type up a letter and fax it to the disputing department. 

Seeing that I have made attempts to contact Nelnet and have proof of them messing up my contact info, I am requesting these two derogatory ratings be lifted off my credit report due to their own errors in updating my records. I should not have to deal with a drop in my credit score because of something they did incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Experian has not corrected my city as it appears on my license.

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