BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I own a Citibank issued Costco Visa card. On XX/XX/2021, my wife and I shopped for her outfits from XXXX. Being an international transaction, Citibank blocked the charge, deeming it to be fraudulent charge. 

After several futile attempts to re-charge it, we contacted the bank confirming our identity, authenticity, and legitimacy of the charge. We spoke to several representatives in their fraud department since about XXXX XXXX  CST to XXXX XXXX  CST. Each time they would put us on hold, verify the information and suggest us to try processing the charge with the assurance that they've removed the " block '' ; however, to no avail. 

One of the reps outright lied saying it is not " us '' it is XXXX company itself putting a hold on my account. The amount in question was little over a XXXX US dollars. 

In two or three instances, we were intentionally disconnected while being on extensive hold, and no one followed up, despite having our contact number available, and promising to call back. 

As recently as XX/XX/2021, similar incident happened, when the rep, who identified herself as XXXX, who could not resolve the same issue described above. When asked to speak to a supervisor, which she obliged with, however, the supervisor under the pretense of verifying the information, put me on hold for a few minutes and then disconnected the phone. Again, no follow up phone call, explanation of what transpired, or apology of any kind. 

And by the way, after the incidence of XX/XX/XXXX above, my credit card was frozen for even local charges until I called and spoke with a bank representative. 

Used XXXX  XXXX XXXX Visa card and after the fraud alert block was removed after confirming the authenticity of my charge, it was a breeze making the payment. And, oh yeah, the most important thing is, with 3 % international transaction fees, they were {$54.00} and {$32.00} cheaper for both my transactions than using Costcos Citibank issued card. So, buyer beware! I promise to NOT USE Costco 's Citibank card as a featured card that I used to trust so much. 

Anyway, I feel, Citibank has blatantly disrespected, mistreated, and I would go to an extent to say that they've grossly and intentionally discriminated against us. 

Thank you.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
delete account fraud no knowledge

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 2023-06-09
Company: Franklin Credit Management Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I bought my home in XX/XX/XXXX. I was approached to do a second mortgage XX/XX/XXXX to do some needed repairs on our home. I did not really understand what I was were getting myself into. The interest rate on this loan was 14.92 %, over twice as much as my XXXX mortgage. It was a bad loan from the beginning. We struggled to pay it but with job changes, I stopped paying it in XXXX. The loan has changed servicers several times over the years. I have not heard from them until now. They are attempting to foreclose on my home. This debt is too old. They have no right to start legal proceedings against me after all this time. I filed bankruptcy in XXXX. This debt should have been wiped out then. The statute of limitation has run out on this debt, and they do not have a right to come after me or foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-13
Company: RFNA, LP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got this loan for a total of {$4000.00}. 2 checks were huge to me for {$2000.00} each. I failed to make on time payments and forgot about the loan. I never received any contact from Republic Finance about it. I am in the process of trying to get approved for a house and it came up on my credit report in XXXX. I reached out to Republic Finance to start making payments and get the account settled. On XX/XX/2023, I made a {$1000.00} payment to an agent named XXXX, and making my notes balance due {$3200.00}, and was told to keep calling back each month to make my payments. When I called on XX/XX/2023 to make another payment, my balance had changed had had added an additional {$260.00} in fees for late payment, but I was informed the account was with a collection agency and I can not pay with Republic Finance. I reached out to XXXXXXXX XXXXXXXX  to find out about my balance and get my payment made. The agent I spoke to XXXX, informed me my actual balance was over {$5000.00} and that they never received my payment of {$1000.00} from XX/XX/2023. I gave them 24 hours to get with Republic to find out the discrepancy. I called back on XX/XX/2023 and they had not heard back from Republic so I called them to figure out why I was giving different information in XXXX. The manager I talked to at Republic informed me that XXXX should have never taken my payment and that she gave me the wrong balance. This has messed up my entire plan. She also mentioned that XXXX supposedly could see my payments immediately when they are made and that is not what XXXX informed me from XXXX. I ended up settling my account with XXXX bc I need to move and get approved for a house and this is hurting my credit score. I still have not received a receipt of payment or my deletion letter from XXXX and the agent coins not confirm if my {$1000.00} payment was ever applied to my account. I feel this needs to be reviewed and my {$1000.00} payment refunded bc Republic was charging me interest fees every day and made my loan go from {$4000.00} to over {$7000.00} that does not sound right. No one will provide me any documentation of my payments or that I have paid it off and Republic Finance sold my account but still had it showing on my credit report with them. This feels almost like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-05-25
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:
My name is 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 15 U.S. Code 1681b 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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/XXXX- applied a reward credit to my account and scheduled the remainder of my payment due to be paid on the due date. 

Prior to the due date - confirmed online that both the payment and credit had posted so that by the due date I had no outstanding balance. 

XX/XX/XXXX - Went online to see that my account was past due, and I had been charged {$12.00} in fees. I am attaching the statement that shows that as of the date the statement was generated, payments and credits had been issued for the entire amount by the due date, but yet a late fee was applied. 

XX/XX/XXXX - Called Bank of America customer service and was not able to resolve the issue. They kept insisting that there was a disclaimer that said you had to pay the minimum. I explained that in my mind, my account minimum had been met with credits and payments in full. 

XX/XX/XXXX - Called Bank of America customer service again, and still did not get resolution. I was told that it was a US law that credits to not count towards a payment. I have numerous credit cards and all other reward cards apply credits when posted towards your 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 2016-02-08
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Nationstar Mortgage has not filed a release on a mortgage. I have tried to call several times to be told it is done ( county has confirmed it has not been done ), I have been hung up on and refused to be transferred to a manager. The loan was paid off in XXXX and is now out of compliance with the release guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 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.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Paypal Holdings, Inc
State: CA
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 company at Issue. They are holding a payment for no legitimate reason. First said it would be 24 hours, now saying it could be up to 5 days. The same person has sent me money last three weeks in a row. This week he wasn't able to for some reason and had to call them. He did and then updated his account per their direction and was able to send me the money. When I logged into my account to " accept '' it, it let me accept it but then put the transfer on hold, it said for up to 24 hours. Now 24 hours later they are saying it could be on hold for up to 5 days. Again, no explanation whatsoever for what the original problem was, why the payee needed to do something different this time, and why the transfer to me is now on hold. It's only {$530.00} so not worth a XXXX  complaint, which I told them I would file and I did that as well as filing this complaint with CFPB. First the payee had to call PayPal customer service just to get the transfer initiated on his end. Then I had to call today with no resolution on a 13 minute call to XXXX and spoke with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-11-05
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon Agency Inc is tempting to collect money from me. Ive never heard of them never seen them. Also they have it in my credit which is impacting my ability for financing.The day it opened was XX/XX/1922 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 2023-03-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After numerous requests to have my maiden name, XXXX removed entirely, it's still showing on my consumer 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 2016-02-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We started a refinance process with Nationstar Mortgage in XXXX of 2015. They jnformed is that we had to get approval and then we had to go through a trial period until they would complete the paperwork. During our trial period we would report as late but as soon as the refinance went through, it would be XXXX out as long as the trial period payments were made on time. It took over a month but finally we were approved for our trial payment. We made our payments on time. We still recived collection calls that after a few minutes the lightbulb would go off and they would appologize for calling. We wathed our credit score drop even further during this trial but just hoped that the refinance would be quick. Finally 3 months were up. It took us trying to call several times to find out the next steps. Finally they said paperwork was being sent out. A week passed and we never received it, another several calls were placed. Finally someone called us back saying that the paperwork was mailed but that they would email it. A few days after we recieved the email, the overnight package with the paperwork arrived on our door. We scrounged up our witnesses and put time we didnt have ( XXXX ) and went to a bank were they could notorize the paperwork. Paperwork was sent back through fax. We waited several weeks and finally tried to get in contact with them again, several messages later we finally recieved a callback and found out there was a document missing, we refaxed it. Something was still wrong. We had to start over, We took more time out, had witnesses take time out of their day and start the process over, that was XXXX XXXX. We XXXX the paperwork back to them, with the holidays and all the craziness of having XXXX, time got away from me but I really thought our paperwork had gone through. XX/XX/XXXX I review my credit report and it shows me 8 months past due with Nationstar, several were 120 days. I sumitted a claim to dispute which they fought. Tried several times to call again, once being hung up on because they were having system issues. Finally got ahold of someone and was told that once again something wasnt right about our paperwork and it had to be redone and that is why I was still reflecting so far past due ( even though I have continued to make my payments on time every month ). Today I recieced notice that one of my credit cards was being cancelled because of newly serious delinquency. The only account showing deliquent is Nationstar. i want all negative credit marks removed now and I dint want any additional work from us to complete the refinance on our mortgage. This has gone on long enough and our credit and time has been effected enough.

Company response to consumer: Closed with explanation