BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: DISCOVER BANK
State: SC
Product: Credit card
Issue: Cash advance

Complaint:
I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
Experian, XXXX and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

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 2020-08-07
Company: NATIONS LENDING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company Nations Lending practices predatory lending. When transacting with their senior loan officer XXXX XXXX NMLS # XXXX, she intentionally gloss over important information. For example, she gave false information about the impact on my credit file. She claims that since I am shopping for mortgage within 30 days multiple credit inquiries will not impact my credit scoring at all. When in fact it does just to a lesser degree. I repeatedly asked her if they have jumbo loan rates with no points that is lower than a specific number I am already working with. She was very vague and evasive without committing. Most other lenders have no problem with disclosing. In the end, she gave me a rate that I need to pay over $ 30K of points for. She didnt even discuss it in specific details directly when I asked for it and tried to bury this key information in the initial disclosure paperwork. 

After reviewing other complaints filed with the XXXX I felt this is a company wide issue and want to bring this to your attention so others are aware and warned.

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 2015-04-13
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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:
I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX Credit/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 explanation
Consumer complaint received 2020-01-07
Company: FACTUAL DATA CORP.
State: WA
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:
There is old information that is not correct anymore. I want factual data to be correct with the credit bureaus and send me an updated report there are some old tax liens that are no longer apart Of my credit reports anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute the reporting of my student loan on all three credit reports, XXXX, Experian, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.

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 2020-01-07
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING DEROGATORY TRANSACTIONS ON MY CREDIT AND I WOULD LIKE THOSE TO BE CORRECTED. I WAS UNAWARE OF THE ACCOUNTS UNTIL I WAS SHOPPING FOR A CAR. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS PURGED FROM MY CREDIT FILE.

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 2016-03-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision.

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
Consumer complaint received 2016-02-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: OH
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet has 2 separate loan accounts listed on all three of my credit reports. There is one loan and one loan amount only for the amount of {$12000.00}. I was late on XXXX and XX/XX/XXXX. Being that Nelnet has listed 2 separate loans, via my credit reports, it states I have been late 4 times ; this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted Fifth Third disputing the lengthy hold and also the fact the check had cleared and I could verify the funds had cleared and they stated there was nothing they could do and that funds would not be available for 7 business days. This is not acceptable since it is drawn on a local bank, plus the fact the funds had in fact cleared and there is proof of that, they apologized and said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Halsted Financial Services, LLC.
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BARCLAYS BANK DELAWARE
State: CA
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:
XX/XX/2020 I noticed my credit score went down significantly. When I looked into it, it showed that I had a delinquent account with Barclays Bank Delaware. Shortly after, I contacted the company and thought I had resolved the issue. Basically I had been charged two dollars and some cents for an XXXX in XXXX. I knew this transaction was impossible since I had not visited the country. The company said they would report it as fraud and everything would be taken care of. The company stated it would take 40 to 60 days to reverse the charges that were made out of the country and fix my credit score. Two months later my credit score was still extremely low ( Almost 100 points lower ) and the account continue to accrue interest. When I called back, the company said it would only take a few more weeks to come off my credit score and reverse the charges. Flash forward to XXXX and my credit score is still being affected and now Barclays is saying I owe over {$200.00}. I have contacted the company multiple times, spoken to many supervisors and specialists, and the company has not changed anything.

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 2020-08-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a surplus check from my escrow account on XX/XX/XXXX for the sale of my home from my then mortgage company, Ditech Financial ( which is attached ). Unfortunately, Ditech addressed the check to both myself and my deceased husband, so along with moving it wasn't until the following summer ( XXXX ) when I came across the check and tried to cash it at my new bank. I was told I could not deposit it since my deceased husband 's name was listed, and called Ditech on XX/XX/XXXX. I was told that a new check would be re-issued in my name only and to allow 10 business days to receive it. However I never received it and called again in XXXX only to find that Ditech had gone bankrupt. My daughter and I have spent many hours calling different companies and assistance bureaus to try and find a way to track down this money as it is not an insignificant amount ( {$2600.00} ) but to avail. Most recently I contacted the XXXX XXXX XXXX XXXX and spoke with Ms. XXXX XXXX who had reached out to XXXX   on our behalf as they had acquired existing mortgage accounts. But given that when Ditech went out of business I was no longer a customer, they have no record of me and this account in their system. I am very much hoping that someone at the CFPB could assist in some way, I would be forever grateful to be able to get a new check reissued. I understand that I waited some time to get on top of this but I was going through a lot with my husband passing, the move, etc and I dropped the ball. I am still holding hope that this will be resolved. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07
Company: FIRST NATIONAL BANK OF OMAHA
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:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

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