BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good afternoon, Since XX/XX/XXXX I've repaid {$13000.00} on my federal student loans through Great Lakes Student Loans. Due to the announcement concerning student loan forgiveness, I requested the full amount to be refunded on XX/XX/XXXX. I was originally told 25 days for it to be processed. Today is the 60 day mark, and it has neither been refunded nor has my XXXX XXXX XXXX XXXX account been updated to reflect the balance. I've called and emailed customer service a total of four times, and each time was simply told it was being processed without a clear time frame as to when. I was also concerned that each time I asked to confirm the amount to be refunded, they were unable to confirm the amount I calculated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Santander/ Chrysler Capital There was a joint loan taken out XX/XX/XXXX. 

This is account is to old to remain on my credit. 

The account was up to be taken off my credit XX/XX/XXXX. 

I filled for a dispute 11 times and it keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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 pay my Huntington credit card through XXXX XXXX XXXX XXXX every month. The payments have been submitted to the same address Huntington provided us for the past five years without issue until XX/XX/XXXX. My payments are auto withdrawal from my account via XXXX XXXX each month and they sent the XXXX and XXXX payments as normal however Huntington never credited my credit card account. I initially called XXXX XXXX to inquire about this in XXXX and left a message for someone to call me. I was not able to talk to them the day they called back and due to a family situation I did not get back in contact with them until XXXX. I received another late notice from Huntington and called XXXX XXXX. XX/XX/XXXX we finally were able to speak to XXXX with Huntington and explained the situation, 2 case numbers were opened for each missing payment. XXXX stated that my payments were going to wrong address and provided corrected address. Asked why after 5 years of sending to address provided initially and no issues that all of a sudden my last two payments werent posted even though they cashed the checks ; she couldnt explain. XXXX XXXX sent Huntington copies of the cashed checks and was told it would be resolved in a few days. On XX/XX/XXXX nothing had been resolved yet and on the XXXX called again ; they said they were still reviewing the informationwe provided the proof of the received checks and them being cashed but they didnt post payment to my account. They turned my account into collections which dropped my credit scores by over XXXX points. On XX/XX/XXXX, we called again because I received another late payment notice. We spoke to XXXX and she said both case numbers are closed and payments posted as of XX/XX/XXXX and XX/XX/XXXX ; only one payment shows posted and not per dates they stated. She stated that my account was current and I need to contact collections to clear things up. I explained they need to do this because this was their error not mine. As of XX/XX/XXXX, second payment they claimed was resolved is still not posted and now Ive received notifications from other creditors that they have decreased my credit limits because of this situation and the whole collection thing. Their error is ruining my credit with other creditors and not by any error on my part and Huntington said its not their responsibility to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Caliber Home Loans, Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans has taken a total of {$52000.00} out of my XXXX checking account between the months of XX/XX/XXXX and XX/XX/XXXX. The Caliber Home Loans online payment portal and shows that Caliber Home Loans has only deducted {$37000.00} from the total original debt. That is a difference of {$15000.00}. 

When I call customer service, they tell me that the funds were returned to my bank account, but I called my bank and they said that my bank statements are correct and no money has been returned ( Caliber Home Loans has not refunded any money to my account ). When I brought this to the attention of Caliber Home Loans Customer Service, they informed me that it can take several days. This descrepancy has been an issue since XX/XX/XXXX. 

On Caliber Home Loans website, it shows " misapplied funds '' and " return payment reversals '' in seemingly random amounts on several dates. I was told that at one point Caliber Home Loans had incorrect bank account information for me but, despite that, as of XX/XX/XXXX, a total of {$52000.00} has been removed from my checking account by Caliber Home Loans, {$0.00} has been refunded to my checking account, and only {$37000.00} has been applied to my loan. 

I have bank statements showing that Caliber Home Loans has not refunded any money. They have not applied the correct amount to my loan. 

When I call customer service it is a new person every time and they have no record of the conversations I've had with other customer services reps so I have to repeat the entire situation again. There is no option to escolate or to talk to a supervisor. I wrote a letter and sent it snail mail to their headquarters which resulted in them responding with an apology letter on XX/XX/XXXX. They said that they would apply the funds and refund the late fees they had charged me because I have never been late in making a payent. To this date they have not applied my {$18000.00} payment to my load and they have not returned it to y bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account NumbeXXXX XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Wells Fargo has notified me of XXXX and XXXX fraudulent charges. I asked them to. Lose card. They read a closure telling me they are transferring it to a new card. 
I went through the same thing months ago with Wells Fargo and closed the card however they reissued a new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have fully paid off a collection account to have tagline removed. All but experian has remove the account. They have not update the balance or removed the account.

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 2022-01-04
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I settled a credit card account with Macy 's. The account was closed, however a duplicate of the account was also added to my credit report. The account has two separate account numbers, but the account ending in XXXX clearly states that it was previously closed or sold. In credit disputes in XXXX, XXXX and XXXX I have requested the duplicate accounts be removed from my reports. Each time the creditor reports to the credit bureaus that the information is correct and the disputes are closed. I sent letters to the credit in XXXX and XXXX requesting the deletion. On XX/XX/2021, I received a letter stating that their would be no change because the information is correct. I called after receiving that letter and I was told that the info was still under investigation because I had opened a new dispute with the bureaus. However, On XX/XX/2021 I received notification from the bureau that the dispute was closed and the information is correct. I called the creditor again and was told that they are only showing the one account in my name with my social and I should file an appeal. I was also informed that although I'm doing what's requested, I would probably would not get a deletion because " we don't do that ''.

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 2021-08-03
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son, with me as a co-signer, rented an apartment from XXXX until XXXX. My son vacated on XXXX and, after a walkthrough, both parties agreed on a cleaning fee and a small amount for damages. Legal possession was given back to the landlord on XXXX. The company refunded our security deposit on XXXX for the agreed upon amount which included the cleaning fee and the small amount for the agreed upon damages. 

Inexplicably, in XX/XX/2020, they added charges after they refunded security deposit and double-charged for items they had already deducted from the security deposit ( and actually charged more for said items ). They never sent a bill or any notification out for the additional charges ( because they knew that was going to be contested ). So, what they did instead is send the old account to a collection agency 8 months later. As soon as it hit my credit report approximately on XXXX - which is the first time I learned of any purported charges - I contacted both XXXX at XXXX. He did not respond but my son received a ledger randomly. Once I reviewed the ledger, I emailed XXXX as well as Hunter Warfield and neither has responded. That second email was sent on XXXX. 

So, I am having to waste time disputing with each of the credit bureaus this account and am reporting them so that they dont do it to anyone else. Because they rent to college students, it concerns me that this may be a pattern or practice of adding charges after a security deposit is refunded, refusing to respond, and negatively impacting a student ( and the co-signing parent ) credit.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been submitting a collection account dispute with Transunion. I have successfully disputed this creditor with XXXX and XXXX and it has been removed from both of those credit reporting agencies, explaining I had no idea who the debt belonged to and that I have never heard of the company. I received a letter from Transunion stating their findings concluded that the collection was " valid '' and would remain on my report until XX/XX/2025. I called their consumer help line and and requested they provide me with the documentation they received from the debt collector to verify that in fact the account was valid. After 20 minutes on the phone with a representative and getting no help in having them provide anything from that collector I asked for a supervisor. After another 20 or so minutes going around and around with him, his bottom statement was simply " we do not investigate per se, we send an electronic request to the debtor to verify they have your information and that is the extent of what we do, and therefor you will have to contact the company and find out what the collection is for. All I can see is that it is a bank, ( one I never heard of or that exists in NY ) and was with XXXX collection company that wrote it off and then sold the current collection company, which they are allowed to do ''. I also told him that had an address on there that I have never lived at and also put that in my original disputes to be removed and that also has not been done. Transunion is severely negligent in doing a thorough investigation and in deciding on their own that sending an electronic request is sufficient enough to keep this collection on their credit reporting. IT NEEDS TO BE REMOVED ASAP!!!

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 2021-05-18
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX for Volkswagen credit inc, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my account that is CURRENT right now under an open and consumer credit plan as late for whatever purpose. 


I have been going through immense financial hardship due to my son being diagnosed with XXXX and not having any help so my car was reposted. I got 2 months assistance for XXXX and XXXX for Volkswagen credit and they said okay no problem this will report as current on your report, no it is not!! Showing Im 2 months late, again!! They will not remove the repossession off my credit even asking them to dispute it. I am a single mother trying to fix my credit and they are charging me all these crazy fees even after I spoke to someone saying if I got my account current they would removed the late payments with me. When my son was diagnosed I had a choice - either to give him all the therapy he needed to help him strive and quit my job to do that or keep my job and have my son not get the help he needed. This was a legitimate financial hardship and they are tearing my credit apart and violating my privacy rights all of my credit with all of these reporting like I said, the representative told me would be removed after said account was up to date and still is reporting at late. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I ordered XXXX XXXX XXXX for my nephew 's B-Day XX/XX/XXXX with an arrival date of XX/XX/XXXX, last status check showed XX/XX/XXXX. I switched the delivery location from my home to XXXX, however, I never received the shoes. I checked XXXX first in which 3 different enployees said the shoes weren't there and then I contacted XXXX and XXXX, both companies said they started a claim, but I never got a refund or the shoes therefore I contacted Capitalone, who gave me a temp credit, but took it back after XXXX submitted 1 false receipt of delivery even after I submitted several documents contradicting I ever received the shoes. I even had to purchase the same sneakers from XXXX XXXX shoes since I didn't receive the shoes from XXXX and I informed XXXX and XXXX know that if the shoes were in transit to keep them since they didn't arrive as stated and that I wouldn't accept anything from them. 

Also, I checked with my Leasing Office after seeing the charge back on my account for the XXXX shoes and calling Capitalone the rep stated the shoes were delivered to a XXXX zip code. My Leasing Office gave me a document showing a package was delivered there by XXXX on XX/XX/XXXX signed by XXXX the Property Manager, but XXXX came back on XX/XX/XXXX and picked up the same package. I explained all of this to Capitalone and submitted several documents of proof however they are refusing to refund me for an item I never received. XXXX never refunded me either. 

Also, informed all companies that there was 2 items listed for that one tracking number, but no one could explain why. Also, not sure why XXXX delivered shoes to Leasing Office at all when my request was for XXXX pickup?? That couldn't be explained either. 

Also, per Capitalone rep XXXX submitted 1 receipt that shoes were delivered on XXXX, however I have submitted a document contradicting that from their site as the shoes were still in transit, shows delivered on XXXX to XXXX which wasn't true after calling XXXX & doc shows shoes were then picked up by XXXX and delivered XX/XX/XXXX assuming that is the Leasing Office where the shoes were then picked up by XXXX on XX/XX/XXXX according to the Leasing office document, and now the shoes are in Limbo, but I'm being charged for them. 

I also feel this is retaliation because I informed Capitalone that once the case is resolved and I get my refund I'm closing the account with them.

Company response to consumer: Closed with monetary relief