BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I currently have an Ulta store account. I have never changed the process and how I made my payments to them. Ive never opened a second account, Ive always just had one account with XXXX. Two months ago for some reason they credited my payment to a different account and sent me two different statements showing both my current account and the closed account with now a - {$40.00} in the balance. Meaning that I over paid by {$40.00} on an account that doesnt exist. Ive talk to Ultas customer service to try to remedy this and get my {$40.00} back. I show my bill pay as successfully sending XXXX a payment. I have a statement from XXXX showing that they have a closed account with me that has a {$40.00} balance in it that is owed to me. Yet I can not get anyone at XXXX to refund that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called to make my final payment to XXXX XXXX in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to XXXX and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.

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 2020-03-24
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX - XX/XX/XXXX Fraudulent Transactions On My Card Were Made! I Called Early XX/XX/XXXX To File The Dispute And As I'm Speaking To The Agent She Adds In That There Were More Transactions Being Made That Same Morning ( Clueless )! I Had No Access To My Account Login So I Wasn't Able To See Anything Going On. I Found Out By Calling To Check My Balance And It Wasn't Near What It Should Have Been Because I Don't Use The Card! {$880.00} Was Spent -Netspend Pre-paid Card! They Said It Matched Previous Transactions But I DON'T USE THE CARD! They Told Me I Would Be Credited On Two Separate Occasions Providing Emotional Distress! Now They Closed The Dispute Saying No Error Was Made It Was Me! Please Help! Those Were My Savings.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: MI
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:
Concerning complaint # XXXX filed on XX/XX/2022, Experian claimed XXXX XXXX  account hd been reported timely. I am asking for Experian to answer the following questions. XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/2022 information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at 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 explanation
Consumer complaint received 2016-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and 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 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
4 months back I paid the total amount due on the charge card, showing a XXXX balance. Yesterday I got an alert from my Bank about an overdue account affecting my credit score. My accounts were all up to date, in fact usually paid several days to a week before the due dates. It was a Capitol OneXXXXBass Pro charge card. Apparently I paid on the XXXX, and the payment was removed on the XXXX, several days BEFORE the due date on the XXXX, and on the due date they assessed XXXX cents interest to my account. I never received a bill in the mail. I was never sent an email to my account on file. The following month they charged a late fee of {$3.00}, along with interest on the XXXX. The following month another {$3.00} late fee plus interest on the original {$3.00} late charge and accruing interest. The following month another {$3.00} late fee plus interest on the two previous {$3.00} late fees and interest on the original XXXX which had now grow to close to {$13.00}. The first call the customer service rep said she had no idea why I was charged the interest, which she agreed was XXXX cents, since my payment was in full and zeroed out the account. The second call to customer service today had the original amount change from XXXX to {$3.00}. I was also told they contacted me by email, but had no dates the emails were sent. She also agreed I paid the full amount of my balance and had a XXXX balance several days before the due date, but the interest was charged after the due date, but couldn't explain why my account was a XXXX balance before the due date, but they charged me interest anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses XXXX Experian. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to TransUnion and XXXX and I still have not received 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 non-monetary relief
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: CA
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:
I am in the process of Refinancing the Home Loan and the XXXX XXXX said I could call Equifax to get a free Credit Report. 
I called Equifax but the Agent completely disregards my request for the Free Credit Report, she instead wanting to process the Annual Free Credit Report that I am already entitled for every 12 months. And, she further to tell me I have to call my XXXX XXXX to get my report. When I asked to speak to the Supervisor, I didn't get to talk to her right away but have to wait for 25 minutes to talk to the Supervisor, XXXX. 

And the Supervisor, is asking whole bunch of Security Question but you could not tell me how many question you going to ask, everything is system generated, things like my Home Mortgage Loan, Auto Loan, Credit Card, etc ... .. 

Equifax is not making it easy for me to get my Credit Report, Can someone help. 
Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: WELLS FARGO & COMPANY
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 ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to Wells Fargo. After running my credit report in XX/XX/XXXX the remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which Wells Fargo confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.

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 2021-03-15
Company: EQUIFAX, INC.
State: TN
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 XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a voluntary credit freeze on my account with Equifax. I am attempting to refinance. The online temporary freeze lifting tool will not work and advises me to send a letter with payment. I sent a letter to XXXX at the address as instructed and enclosed payment. Now, 15 days later, the check has not cleared the bank, the freeze is not lifted, there is no telephone or email support available from Equifax and my banker is advising that my rate lock could expire because they are unable to run the XXXX bureau credit merge report on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have made repeated attempts with Experian to remove two XXXX  XXXX XXXX accounts that were paid in full and closed in XXXX of 2014. Both of these accounts had late payments, with the last late payment in each recorded in XX/XX/2014. I live in New York State and the law is that any negative information must be deleted after 5 years. XXXX  automatically removed this info after 5 years but Experian refuses. They state that XXXX  XXXX XXXX will " not allow '' them to remove this info from my credit report. I have called XXXX  XXXX XXXX several times and they say this is simply not true. I don't know what Experian has to gain by breaking NYS law, but I would like people to know what they are doing. My guess is that they do things like this to compel consumers to purchase their services.

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 2022-10-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Huntington Bank XXXX Huntington Bancshares Incorporated is an American bank holding company headquartered in XXXX, Ohio ) have a program called Stand By Cash. The requirements now are as follows. 

Standby Cash is subject to terms and conditions and other account agreements. A 1 % monthly interest charge ( 12 % Annual Percentage Rate ) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of {$1000.00} or more, and an average daily balance over the last 30 days of {$200.00} or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft or return fees or they are waived with our XXXX Grace and {$50.00} Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90 % or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until its paid to a XXXX balance. Business checking accounts are not eligible for Standby Cash. 

I was informed today that we were not eligible for stand by cash due to overdraft on XX/XX/2022. We did not get NSF fees, we just simply transferred money from savings to bring the account current. 

Problem 1 : The policy change to Stand by cash did not go in effect until " I was told XX/XX/XXXX XXXX XXXXXXXX 2022. The requirements did not state whether it back dated XXXX  days or if the policy change just started on the " XXXX ''. 

Problem 2 : I was informed that Stand By Cash is automated and it runs by an algorithm. Since we did not technically have any overdraft fees, but the stand by cash 's algorithm seen where the account was negative for a short amount of time ( XXXX XXXX to transfer from savings ) ... does it send a report to credit bureau of actual overdraft?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, I went into Chase Bank in XXXX NJ on XXXX XXXX an made a deposit into XXXX XXXX account in the amount of {$7000.00}. XXXX XXXX was said to be the account manager for the artist known as XXXX. I returned to Chase Bank two days after that deposit to inform them that the person was a scammer and fraud, and I wanted to recover my money that was deposited. I was instructed by Chase that I had to go to my bank in order to stop the payment because I wasn't a chase customer, and they ( chase ) can't look into someone account an just put a stop to the check. XXXX also stated they cant put a stop on a check they dont have in there posession. I've went back and forth with my bank ( XXXX ) an Chase there was an indemnity report done an chase denied reimbursement, I believe the report was done wrong by my bank thats why I was denied reimbursement. I had a police report and an investigation was conducted. I also have a signed affidavit from my bank. I contacted the fraud department of Chase an was told my police report needed to be given to Chase Bank. I sent those documents via email to XXXX the lady at chase who handled the transaction on XX/XX/XXXX. Sargent XXXX XXXX of the XXXX Police Department handled the report an investigation.

Company response to consumer: Closed with explanation