BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through huntington Bank. In XXXX I signed up for the covid relief forbearance program. I did not have to pay my XXXX, XXXX, and XXXX payments. Then in XXXX I filed the paperwork to remove myself from forbearance and defer the missed payments to the back of my loan. I've now made 6 on time payments and my account still says that I'm in forbearance. Besides that my monthly statements show that I owe all those payments. In XXXX my wife and I started the process to get a loan on another property. We were pre-approved and began to move forward with the loan process. This was when I found out my account with huntington still showed my account in forbearance. I contacted huntington and they confirmed that I had been making my payments and my loan was no longer in forbearance. after multiple calls I got someone to agree to send me a letter stating that my loan is no longer in forbearance and my payments since then have been made on time. Its been two months and I've yet to receive that letter. This is now delaying the closing on my other property and I'm now calling daily to try to get this paperwork and every time I call they say they're going to send it but I have yet to receive it. This isn't right and they can't treat people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.

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 2022-10-20
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have requested to close my albert account since XX/XX/2022. They refuse to close my account or transfer any money out of my account claiming " Our team is actively working on this. Once we have an update, we'll reach back out. We appreciate your patience as we continue to work on this '' I have asked what they are working on : 1. The reason why my ACH deposit was returned 2. Why they have not documented my when I have requested a dispute?

3. Why they are not withdrawing funds?

4. why my account is still open? 

I get the same generic response. 

I have no notification of funds being help or why my account is not closed or " suspended ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-12-17
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CCS Companies never notified of my right to dispute the validity of the debt. 

They reported to XXXX that my account was opened with them on XXXX/XXXX/2016. 

The first notice I ever got from their company was on XXXX/XXXX/2016 and the notice was dated XXXX/XXXX/2016. 

On XXXX/XXXX/2016, XXXX was reporting a collection on my credit report, I was shocked as I knew I did n't have any ... It was for Credit Collection Services, original creditor, XXXX. 

I filed a dispute with XXXX but it came back as " verified '' by CCS. 

I have previously called and disputed the debt with CCS and was told I have to pay. 

I called the original creditor on XXXX/XXXX/2016, it was discovered an error was made and the account was pulled from CCS. The original creditor informed me that the account would be removed from XXXX within XXXX10 business days. 

Additionally, I was unable to find their corporation registered with MA but will file a complaint with the MA XXXX about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
Im 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 Av, XXXX, Ca XXXX ; XXXX XXXX XXXX XXXX XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX  XXXX XXXX : {$55.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$190.00} ; XXXX XXXX Con XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX  XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have no idea what or who the unknown XXXX XXXX XXXXXXXX is and I can not even get contact information for them. How is this possible? I pay all of my bills and I still have a low credit score! I think the credit rating system is a discriminator by race. It actually says " unknown ''

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 2021-01-11
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I did not apply for a loan with Mariner Finance. They mailed a live check to me, that I did not ask for or solicit. This implies that they ran my credit report without my permission, and I had never heard or done business with this company. They claim that I agreed to the terms of their loan by signing the check, but I did not receive " Regulation Z, Truth and Lending Disclosures '', After depositing the check, I waited to hear from Mariner for two full months. Finally, I reached out to them myself to get payment details, the term, and to learn how I could make payments. I was told the term was 24 months, so I set up 24 months of payments from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX Mariner started collections on me claiming I was six months in default. I received no correspondence from them until this notice was sent. In violation of numerous collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Capital One Auto Finance reposessed and sold the vehicle I Financed. I received an " Explanation of Calculation of Deficiency '' dated XX/XX/2022. Per the letter, Capital One Auto Finance informed me that the vehicle was sold at auction for the sum amount of {$13000.00}. Leaving a Deficient balance amount of {$10000.00}. However, the information the data furnisher is submitting to the 3 major credit bureaus does not reflect that balance. 
Per my XXXX credit report as of XX/XX/2022, It shows I have a balance of {$25000.00} which is not accurate.If the reposessed vehicle was sold for {$13000.00} and has a balance of {$10000.00}, then the credit information being furnished to the credit bureaus should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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:
( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses i have listed, the following includes : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 2022-10-20
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an alert on my XXXX account that I was approved for a loan I never applied for and when I tried calling the company backs theres absolutely no way to get in contact with anyone from the contact they provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.

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 2016-03-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

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