BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I re-applied in  XXXX  for continuing on  the Income Based Repayment Plan with Nelnet, stud ent loan servicer. Company messaged me to state that they received the paperwork. Company did not contact me again until  XXXX  to state that my payment would be double (!!! ) from what I have been paying ( and that I was no longer in the IBRP program ). Upon calling, I was told the form I sent it was " expired. '' However, the form had an expiration date on it for   XXXX    (    XXXX   XXXX   ). The company also stated that they had sent me an email ( they did not ) and regular mail ( they did not ). Thus, I had not been notified of this " expired '' paperwork. Upon speaking to  a manager, it was acknowledge that it was Nelnet 's error and they would reprocess that paperwork as it was the appropriate forms. Three weeks later, no correspondence from Nelnet except to state that my next payment ( still the increased payment ) was due. I called the company again, and they stated that the paperwork was expired and that they sent me a correspondence to fill out a new form. This was never sent to my email or home address. I now have to take a forbearance as they will not accept the payment I have already been paying for the last year, or quickly process the paperwork ( which according to them was the correct paperwork ) in order to avoid economic hardship. I have based my career on making timely payments in an appropriate loan repayment program and I do not know if forbearance will affect the Student Loan Forgiveness Program. Further, I was told by the company that the paperwork was not expired while on the phone the first time and they rescinded that without ever contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-06-21
Company: ALLY FINANCIAL INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 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.

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 2017-06-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: EQUIFAX, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES 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 explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal is closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TCF NATIONAL BANK
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been processing  a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $  XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: AL
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:
Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 Consumer Financial Protection Bureau : Capital One Bank is fraudulently charging consumers for " late fees '' despite making payments on time, and on the due date, in the evening. They are purposely misleading consumers to assume their payments will be on time that evening, by not making consumers aware they supposedly have a " cut off time of XXXX '' which is unheard of with banks. Banks allow payments to post by midnight to be on time. They also keep this information hidden from consumers so they are not aware of this so the bank can make more profit at the expense of consumers, by falsely letting them assume their payments are on time, when they farudulently cut the time off at XXXX. This is fraud, and deceptive banking practice. 

On XX/XX/XXXX, at XXXX, I attempted twice with Capital One to get this erroneous and fraudulent charge of {$36.00} removed, which was charged on the date I made a payment, when the payment was due. I also asked to speak with a manager, by the name of " XXXX '' who also refused to credit this fraudulent charge. I asked him why am I being charged for a payment I made on the same due date, and he stated, " You have 29 other days to make the payment '' and also refused to address it or fix it. He also refused to give me his last name. Odd banking behavior for a major bank and completely unacceptable. I am asking for someone to intervene as this bank can not be trusted to do the right thing and refund fraudulent charges. This is how this bank makes profit. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Captial One Acct Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: VNU Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened a high yield savings account with XXXXXXXX XXXX. XXXX month later, they froze my account without ever contacting me or providing an explanation why after calling them several times. They have held my money hostage. 

On XX/XX/XXXX, I paid my mortgage, condo fees and made transfers to a vanguard account and another bank checking account from my XXXXXXXX XXXX high yield savings account. 

On XX/XX/XXXX, Bask bank froze my account without ever contacting me. I noticed since I happened to try and login into their account. I called customer rep and was told my account was frozen due to an investigation. Was never told why, how long it would take. I was lied that I would get an email from their dept that handles such investigations and never did. 

On XX/XX/2013, Bask bank requested money back from every account I paid a bill or made a transfer to on XX/XX/XXXX. 11-12 days later. I am now delinquent on those bills, have late fees and still need to pay those XX/XX/XXXX payments again. With funds that I don't have since XXXX has take all my savings and frozen them. 

This is the worst company I ever dealt with. Stay away at all costs, I don't know how they can take someones money hostage, request 12 days later money back from paid bills and still be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
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:
Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX  results that I was in hospital  and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.

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 2017-06-26
Company: Navient Solutions, LLC.
State: WA
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:
Although I have submitted 5 payments to my student loan company totaling {$2100.00}, they are only crediting {$500.00} to my account. I emailed the company and was told they did not apply it because I did n't specify where I wanted it to go. I have 2 student loan accounts with them and neither were credited my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to obtain my credit score for XXXX, nor file. I contacted Credit Karma to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: SYNCHRONY FINANCIAL
State: IL
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:
I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.

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 2017-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a letter from Synchrony Ba nk ( lo ses card ) stating there reduced my limit from {$3000.00} to {$2100.00}. The reasons were based in a part on a credit scoring system that was used, and my score was a  XXXX  with  XXXX . I find that to be interested, my payment was due on  XXXX / XXXX /  XXXX  , I was late by two days and made the payment and spoke with their client chat support via online. I explained I was late due to being hospilized with my   XXXX   XXXX    XXXX . I asked the representative to please waive my fee, which he did and i set up recurring payments. I 've been a customer with this bank for over 2 years and made timely payments and never utilized my full credit. I called their customer service number at  XXXX  on  XXXX / XXXX / 17  at  XXXX  ;  XXXX   XXXX . I spoke with an  XXXX  explained i wanted more details and speak with someone she hung the phone up on me, I called back again and got an  XXXX  and the phone was disconnected again. I feel very frustrated that as customer I ca n't get into with the credit division and to be treated this way. If i was not in the process of getting a mortgage i would of close my credit card. The major reduction with no bank credit contact has really caused me to question this bank integrity and client service. I 'm asking for someone to please help me get into touch with this bank.

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 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX Tennessee on XXXX XXXX While attempting to trade the vehicle in I discovered that there was an extended warranty contract that I never saw or signed for $ XXXX.I went to the dealership to address the issue they said it could be cancelled.I said what the amount financed from the beginning of the contract should have been.I asked for a copy of a signed document which they could not produce days later Finance guy gives me a document with a Clear forged signature.This is forgery and fraud.Capital XXXX financed the vehicle and said they couldn't provide me any documentation of said Extended warranty contract which was included in the financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: GVA Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}.
I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..

Company response to consumer: Closed with explanation