BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Nelnet, Inc.
State: NV
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:
This is an addendum to complaint XXXX. Prior to student loan payments resuming, I applied for the SAVE program to alter my repayment plan on XXXX. I was notified that my request was received but have not heard an update in months and no details have been provided by Nelnet or the Department of Education for the status of my request. Their website crashes multiple times whenever I try to post a payment that is directed to specific loans rather than their standard payment parameters, request information/contact from them or attempt to notify them that they incorrectly list my account as past due when I have only had 2 payments due and have made 3 full payments. Their phone customer service hours are limited making it nearly impossible to contact them via that channel and no effort has been made to return any my multiple emails. Several other users have reported similar issues and have also not received any contact from them or have been told the website just has a mind of its own. This is criminally negligent on their part and is negatively affecting my and many others financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They notified me of fraud charge from XXXX and blocked it. But then they processed it. they told me to call them to turn my card back on. They dont answer the phone. Ever. Horrible company in dealing with 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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Ever since I filed a prior complaint against Citizens bank, I've suddenly been denied access to their online banking platform. Even if I enter my personal information and account # or go through all steps to recover my account it will not allow it after several attempts, today I called customer service XX/XX/23 they told they me they couldn't unlock my online banking after waiting 30 minutes to speaking with them, then after an additional hold and transfer to the online banking and fraud department, I was told that they couldn't unlock my account and I was told, " am I sure I'd like to be transferred to the department who put the block on my account? ", I replied yes then I was put on hold for another 30 minutes with no reconnection, I'd like the CFPB to get to the bottom of why they can't re-establish / unblock my online banking, and who put this block on my account and why. This is the worst operating bank I have dealt with by an extremely large margin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CITIBANK, N.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at Home Depot, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

Home Depot and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
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:
I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Western-Shamrock Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went into Western Shamrock on XXXX XXXX in XXXX, MO to pay off my loan early. I had called the day before to pay it over the phone and they said there would be a XXXX fee to pay OVER the phone. I said I would be in the store to pay in person then to not pay that high of a fee. When I went in and paid, I checked my bank account afterwards and there was a {$24.00} fee. I called the store because no one told me if I paid with a debit card, it was still a fee. I called and XXXX claimed she didnt know what the fee was for. Hmmm really? They XXXX their district manager would call back. Saturday now, no call. Deceptive practices and not divulging their fees, is wrong I would like my money back {$24.00} and to have this company audited. Their lack of knowledge is obvious and disturbing. Thank you for your time. You have my info should you need anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fraudelent transactions on debit card Purchases made from XXXX XXXX XXXX XXXX XXXX XXXX I have filed 7 reports 3 with TD bank disputing the charges 1 police report outlining the charges 1 with the FTC consumer fraud department 1 with XXXX fraud department 1 with TD bank senior customer complaints office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX I sold XXXX on PayPal after that my PayPal balance was fraudulently used and on XX/XX/XXXX PayPal refunded me the money. Unfortunately for me the money I been needing is now on hold for 180 days due to a permanent limitation on my account. The funds are from XXXX I sold so why are they holding it!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
State: OH
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:
on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a 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 explanation
Consumer complaint received 2023-02-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I mistakenly initiated a transaction through Venmo to transfer {$1800.00} from my XXXX Checking account to my landlord XXXX XXXX. This was an overdraft which XXXX paid as a courtesy on my behalf. This was an ACH transaction with ID XXXX. Venmo attempted twice more in quick succession to withdraw {$1800.00} from my XXXX account for which I was charged two additional {$30.00} insufficient funds fees. Because the first transaction was successful neither of the subsequent transactions resulted in money transferred to Venmo. However, Venmo began showing in the app that I owed a debt for {$1800.00}, despite the funds having been withdrawn from my XXXX account. 

I have since spoken with 5 different Venmo representatives in the last 6 days. I provided the Venmo representatives with screenshots of my bank account, and the transaction ID provided above to assist them in finding the {$1800.00} Venmo seems to have lost. In the time since I opened this investigation, Venmo, despite my explicit demands on multiple occasions to multiple representatives to cease debiting actions, initiated a debit against my XXXX debit card for {$1300.00} ( the remainder of my outstanding balance with them after deduction of my in-app funds ). This transaction has caused me further financial harm and proceeded despite the open investigation I have with them into missing funds. It has been 14 days since the initial transaction, and 6 days since I opened my investigation and there has been absolutely no meaningful progress. Venmo is now completely unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-12-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo XXXX, Ga branch manager provided me with a snapshot of deposits and copies of 2 checks that they stated checks were deposited into my account by estranged husband that were not deposited into my account. The snapshot provided does not reflect online statements and printed statements and changed 3 times in a matter of 4 hours. I have 6 audio recording of Wells Fargo and XXXX XXXX XXXX  representees confirming one check was a counter check my estranged husband wrote to himself and withdrew the money and later wrote my name to make it appear it was written to me and all reps confirmed it was written to himself. XXXX XXXX, Ohio Branch manager confirmed the money never left his account despite Wells Fargo providing a copy of check The 2nd check both banks customer service reps can be heard on audio confirming the cashier 's check was not a XXXX XXXX XXXX  check and was a fraudulent check made to appear to be written to me. Please see audios. and copies of checks. 2 congress members have been sent audios and copies of checks. 2 state attorney offices are in possession of all audios and copies of checks. A law office in Ohio is following up with filing a civil suit. 

Wells Fargo provided me with a copy of an IRS economic rebate check that my husband received and I did not. The IRS confirmed on audio and by tax transcript that I did not receive the check. The copy of the check provided to me was a bogus/altered check despite Wells Fargo supplying me with an altered statement and later sending me a letter confirming the transaction could not be found. Another attempt to manipulate my statements. XXXX XXXX office has been contacted. 

Wells Fargo supplied a copy of a withdrawal slip that was altered and was for the previous year 's withdrawal. An employee altered the dates on the withdrawal slip. 

These audios are bank reps confirming the fraud. 



XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-04
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Spring Oaks Capital attempting to collect a debt in the amount of {$640.00} that they claim they own. I was told that I had until XX/XX/2022 to dispute the debt. I sent them a letter on XX/XX/2022 and requested verification and documentation of this debt. From my understanding, they must stop collection on any amount I dispute until they send me the information that shows I owe this debt. I am not understanding why this account is listed on my XXXX credit report as I have not received a response at all from Spring Oaks Capital and it has now been a month since I sent a validation request to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy. 
For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore. 
Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed. 
Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX, Account starting with # 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

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