BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Having been paying on wedding ring faithfully every month. There have been a couple of months that the payment was made  but Capitol One proce ssed it a day o r two late,  so therefore they hit me with last payments and fees and they keep racking them as I am only paying the amount that I agreed to when I signed the contract. Tried speaking with them and they state they can only go back a year, which would have been   XXXX   XXXX     and during that time the payment was processed late twice, however, they will not let me know what the payments were before that time. My credit has been highly affected by this. I have spoken to my attorney about this and he suggested I contact you as I am probably not the only person they are doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
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:
I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Before my loans were in repayment I was making payments on the loans, There is nothing that says I can not pay on my principal balance, and yes I am allowed to pay ahead with out prepayment penality. I my case I considered my payments being a penality since the payments would only go toward the interest first and nothing to the principal balance. Please remember I was not in repayment status at that time. Only now that I am in repayment does part of my payment go toward principal. Now I am receiving, " capitalized interest '' meaning, my interest is being added to my principal and I get charged interest in my interest. What? No Bank, credit card or other legitimate lending institution would be allowed to do this. One loan  XXXX   XXXX ,  XXXX  my principal and interest combined balance was {$5300.00} today  XXXX   XXXX ,  XXXX  the principal balance is {$5500.00}. How can a company that gives the impression it is a government based program, and I think it is, rip us off like this and do it to millions of people and continue to no matter what. I feel like my goveronment hates me ; make billions of dollars off illegal lending practices and I will get this paid off, NEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, Transunion and XXXX  to have the data removed but customer service refused to help 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 explanation
Consumer complaint received 2019-12-16
Company: Navient Solutions, LLC.
State: MA
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:
I have two private student loans handled by Navient. Since XXXX of this year, I have had to call them monthly ( could not solve the problem via their web site ). Each month I have to make the same request which is to apply a specific amount to ONE of the loans, and leave the other loan UNAFFECTED. Both loans are paid automatically. I have requested {$1900.00} to be paid as an extra payment on ONE loan MONTHLY until THAT ONE LOAN is paid off. Each month less has been applied ; typically {$1900.00}. and dispersed among BOTH loans. Also, until the most recent phone call I made onXX/XX/XXXX I was not told that I could pay a MAXIMUM of {$1900.00} and was not given a reason for this. This is causing me to have to pay my loan off longer than I want to pay it off. My plan is that when that one loan is paid off, then the {$1900.00} would be applied to the remaining loan. Each month they apologize and assure me that the following month, the amount deducted automatically will be applied to the ONE loan I want it applied to. Each month this is NOT the case. This situation will cause me to have to pay my loan off over a longer time frame than I want to and will cost me more money to do so. I have never made a payment late or paid less than was was required. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX/Nelnet purchased my loan from XXXX recently. Initially they sent 2 letters, one of which  incorrectly stated that they purchased my XXXX loan, which they did not. I set up my account and made my first payment which has been withdrawn from my account. Since then, they have never contacted me, however have called my parents dozens of times insisting that I am delinquent on payments. When I called XXXX to discuss the matter, they confirmed that they had called my parents and that my account was paid up to date. They offered no explanation and refused to discuss it any further. They informed me that my parents should no longer be receiving calls. Since then, the calls have not stopped and my parents have continued receiving calls that still insist I am late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account balance is incorrect. Per my statement on XX/XX/19 balance due was XXXX I then made a payment for XXXX Which would bring account to XXXX due. on XX/XX/19 statement the balance due was XXXX which would be the XXXX with XXXX ( XXXX ) total owed which my statement on XX/XX/19 reflected. I then made a payment on XX/XX/19 for XXXX which would make balance due of XXXX ( which would be your fees only due ) and next payment due should be XXXX and XXXX in fees. Yet your website shows I owe XXXX which is wrong. Fix this immediately. I have also been locked out of my account for over 8 months which I have asked them to fix multiple times and they finally did today XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.

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 2018-03-09
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
RE : Penfed Auto Loan Acct : XXXXXXXX Refinanced this auto loan with Penfed and vehicle has had full insurance coverage since purchase ( see attached ) without any lapse in coverage.

Pendfed is placing and requiring additional costs be remitted in association with adding a new auto supplemental policy - above and beyond the coverage currently in place.

The loan agreement ONLY requires a standard auto insurance policy, which my policy complies and is above and beyond the minimum requirements set forth in the agreement and has been in place since the purchase of the auto.

This action by Penfed is illegal in the State of Florida.

I am therefore filing this complaint and submitting the same to Florida 's Office Of Insurance Regulation.

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 2017-04-20
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I received a quote for a  10/1  ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.

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 2021-05-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have setup a Auto payment plan over three times now ( in person and over mail ). We have continued to get billed late fees and charges at which we can not control at this point. We have been billed over {$300.00} extra dollars in late fees after we have tried to fix the problem for two months now. FNB had not been helpful and continued to tell us to just fill out a form and mail it in ( which we have done over three times now ). We now owe more money on a car loan than we started. We thought we could trust in the the bank with the loan set up for us but have been constantly let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a Student loan on my credit report from Fed Loan Services this account is a result of Identification theft. Tried to dispute this and contact company they keep saying that its mines and it is not. It was opened on XX/XX/2017 the balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I got a Home Depot credit card around XX/XX/2020. I used my credit card and pay off in every stamens, I start getting calls they said from XXXX XXXX saying that I owe money to Home Depot, so was weird and I contact Home Depot and they told me that I dont have any balance ; I notice that my credit score was going down, so I decide to request my credit report and I found that I have 2 open accounts from Home Depot and I havent paid one of them, that account was open on XX/XX/2020, is named as XXXX/CBNA, account number XXXX account type : Revolving Charge Account, on XX/XX/2020 has a balance for XXXX. Has a XX/XX/XXXXXXXX XXXX XXXX, SD XXXX. This account its not mine. I called XXXX  and they suggest me to contact you, thank you for your attention.

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 2019-12-16
Company: BARCLAYS BANK DELAWARE
State: ND
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:
On XX/XX/2019, I faxed a detailed letter ( attached ) to my BarclayCard mastercard 's billing dispute department to file a claim about a {$3000.00} charge that was made to my account as a deposit for services that the merchant never ended up providing. I received a letter from BarclayCard confirming that they received my dispute, would investigate the problem, and resolve it within 45 days. The case number they assigned to my dispute is case # XXXX. On XX/XX/XXXX, I received a voicemail message from BarclayCard asking me to call them regarding my dispute. I called them on XX/XX/XXXX and was told that they couldn't process my dispute because they needed more information. They couldn't tell me on the phone what they needed ; instead I was told they would mail me a letter. I asked them to email me the information, but they refused. I asked to speak with someone else, and the operator refused to transfer me to anybody else. I finally received a letter from BarclayCard last week ( attached ), but it is simply a duplicate of the initial letter that I received from them acknowledging that I filed a dispute and they would investigate and resolve it within 45 days. I called Barclaycard again today, XX/XX/XXXX, to inquire about the status of my dispute. I reminded them that the 45 days had elapsed, I still haven't heard anything from them, and my account has not been credited. I was told by the operator that they closed my dispute because I failed to provide the information that they requested. I told them that they NEVER sent me anything requesting any additional information. The operator insisted that they did and I failed to respond. I asked to speak with the person who was actually investigating my claim and was refused. I asked for them to have the personal actually handling my claim to call me and I still have not received a phone call. 

The merchant in this case TOLD us to file a dispute with the credit card company. All they have to do is contact the merchant and HE WILL VERIFY that he did not perform the work. The charge was made on my son 's card, who is an authorized user on my credit card account. My son is a XXXX  XXXX -- he certainly is not going to file a fraudulent claim. Again, this would be EASILY resolved if BarclayCard would simply CONTACT THE MERCHANT!!!! Instead, they are refusing to reimburse my money by lying and saying that I failed to submit information that they NEVER requested.

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 2020-04-22
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.

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 2019-12-16
Company: DISCOVER BANK
State: NV
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 customer service

Complaint:
On XXXX, XX/XX/XXXX I called in to inquire about an interest rate reduction.  I was declined.  Discover offered a 12 month interest free purchase promotion which I did not accept.  I called back on XXXX,XX/XX/XXXX to accept the 12 month interest free purchase offer.  I was told it was not available but, my interest rate could be reduced.  I did not not accept.  I called back in XXXX XX/XX/XXXX to complain and was told nothing could be done but, a reduction in my rate was available.  I did not accept and informed Discover I wanted to make a complaint.  They offered to accept a complaint to be presented to a higher authority @ Discover.  I declined.  I asked the rep for the name of an Agency outside Discover I could make a aomplaint to and was told by rep that she had no idea.  I then when online & found CFPB.  So, my complaint is that Discover told me my interest rate could not be lowered.  Then offered me a promotion which they declined to honor & now again are telling me they can lower my interest rate.  At no time did Discover inform me that the Promotion was a one time momentary offer.  They declined to give it to me after I showed interest in it.  This in my opinion is misleading, unfair and disingenuos.  I feel Discover should be bound to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt from the original creditor   XXXX   XXXX   XXXX   was deleted from my credit report  XXXX  last year. Now this new collection agency  XXXX   XXXX   XXXX  has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAD FILED WITH CFPB ON XX/XX/XXXX19 TO HAVE THE LISTED ACCOUNTS DELETED BY STATING THAT THESE ACCOUNTS WERE " NOT MINE '' AND I UPLOADED MY IDENTITY THEFT REPORT. PRIOR TO XX/XX/2019 I HAD DISPUTED THESE SAME ACCOUNTS AND SUPPLIED AN IDENTITY THEFT REPORT BUT I HAVE NOT RECEIVED INVESTIGATIVE RESULTS REPORTS FROM XXXX, TRANS UNION OR XXXX. 

THIS IS THE THIRD ATTEMPT TO DISPUTE THESE FRAUDULENT ACCOUNTS AND I HAVE ATTACHED MY IDENTITY THEFT POLICE 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 explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.

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 2021-05-13
Company: Experian Information Solutions Inc.
State: TN
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 several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief