BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a complaint for Citi Checking account. 

1. Deposits are posted on the account after any withdrawals, causing the account to drop below XXXX, and as a result transactions are being returned to the sender. No one has been able to give me an answer on how transactions are posted. 

2. Theres no way to make a cash deposit at an ATM. The ATMs I use for cash withdrawals are very limited, and they dont accept any type of deposit. 

3. ACH transaction to fund the checking account from my other bank account takes 5 days to show up in my Citi account. In the meantime the funds in the other bank account are not available from day 1.

4. ATM fees from foreign ATMs are over {$7.00}.

5. Citi claims they dont charge overdraft fees, but they hide the fact they return the transactions unpaid.

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 2023-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting I have a balance on my credit cards when both credit cards are both paid off. They have my credit score lower than it should be stating I still owe on my credit one card. 

Equifax is showing card XXXX with balance of {$470.00} XXXX balance- {$0.00} XXXX  balance- {$0.00} Equifax is showing card ending XXXX with balance of {$73.00} XXXX balance- {$0.00} XXXX balance- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Nelnet, Inc.
State: IL
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:
Feedback to Nelnet response Nelnet has refused to remove this fraudulent loan from my credit report. Nelnet fail to provide the documents I have requested numerous times in each one of my letters. Nelnet is constantly insulting, and defaming my by requesting for me to send letters from a credit repair specialist. When I am a XXXX XXXX XXXXXXXX and own my own credit repair business. I am filing a suit Monday XX/XX/2022! Im done disputing! Thank you CFPB for reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Shellpoint Mortgage reported my account as delinquent when it is not delinquent. The XXXX reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and Shellpoint has reported this account as delinquent on XX/XX/2022 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple requests to dispute multiple items on my credit report and Transunion has not done their part in making sure that the information on my credit is accurate. I am attaching a list of items that they failed to address. I am asking that Transunion does their part and removes these inaccurate accounts from 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 explanation
Consumer complaint received 2015-08-24
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage on my primary residence in AR last XX/XX/XXXX. The mortgage was originally with XXXX but was taken over by Nationstar in XX/XX/XXXX. When I paid the account off I received nothing from Nationstar to confirm the payoff until I called and asked for confirmation -- XXXX times and 6 weeks before I received a response. I was sent a copy of their filing with XXXX County asking that the Release of Lien be recorded and returned and was told I would get that recorded Release when they got it back. After many tries I never did get the recorded release from them After multiple calls, lies and exchanges of letters I was told they had sent me everything I was entitled to and hat they had investigated and done nothing wrong. I believe this is fraud and can hurt unsuspecting consumers who may rely upon a release only to find out years later when they go to sell that the records do not reflect the release. 
While, after months of dealing with this company to no avail, I was able to pay a lawyer and get the recorded version of the Release, not everyone can do this and I should not have had to. This company was rude, arrogant and negligent at best in NOT fulfilling what it said it would do and what it is required to do and less fortunate people should not have to put up with this type of treatment. Please let this company know that you are watching and will not tolerate what happened here as a routine when dealing with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file a formal complaint against Wells Fargo for their handling of fraudulent charges on my business debit card. 

On XX/XX/2023, I noticed unauthorized charges amounting to {$6200.00} on my business debit card. These charges were made by XXXX and XXXXXXXX XXXX and I did not authorize them. I promptly reported these charges to Wells Fargo, expecting them to investigate the matter and refund the fraudulent charges as per their obligations under the law. 

However, when I called Wells Fargo on XX/XX/2023, for an update on my case, I was informed that my claim had been denied.I believe it is unjust given the circumstances as well as the excessive amounts charged on my card. 

I am deeply disappointed with Wells Fargo 's handling of this matter. Not only have I suffered significant financial loss as a result of these fraudulent charges, but I have also lost trust in my bank 's ability to protect my financial interests. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this matter. I believe that Wells Fargo should reconsider my claim and refund the fraudulent charges on my business debit card. 

Thank you for your attention to this matter.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.

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 2021-05-05
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Diverse Funding Associates LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DNF Assoc is listed on my credit report as a collections account. I have been trying very hard to rebuild our credit, and this account is a problem. According to my credit report this was reported in XX/XX/2020, amid the pandemic. 
I was not given any notification of this debt, nor have I been contacted since this debt has been added to my credit report. How can you report a debt to the Credit Bureau, especially in a derogatory manner without giving any kind of notice to the creditor? I wasn't even given the chance to settle this account. 
I have contacted you several times, I was told my account is CEASE Pending. still no results or resolution. I am not even clear what account this is for. I expect this derogatory mark to be removed from my Credit Report immediately.

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 2023-06-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( Equifax ) credit report. I recently retrieved my credit report and it showed ( 5 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX Removel Date XX/XX/XXXX ) -XXXX ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After repeated requests, Nationstar Mortgage keeps sending me the refinancing offers all the time! The kicker : Nationstar services my mortgage already and I am perfectly fine with the conditions of my mortgage. 

I have repeatedly contacted Nationstar to refrain from sending me refinancing offers and they have not listened to me. I get the impression that Nationstar either wants to make money in refinancing again and again or they want me to be in their debt continuously. Get me into another XXXX year mortgage and the clocks starts all over again. 

Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a XXXX XXXX approx XX/XX/XXXX rcvd. Account records sold to them This is where the injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to so.e XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. Levy and Ass. To appear in court. I have been paying XXXX a month to Levy for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. Levy was.not even aware of XXXX XXXX. Therefore XXXX XXXX was not even one ta! ing me to coudt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an active XXXX  XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: FL
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:
Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, 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: Reporting company used your report improperly

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

15 USC 1681 Section 602 Stated that I have the right to privacy.

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

15 USC 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 non-monetary relief
Consumer complaint received 2021-08-16
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern, my name is XXXX XXXX and I am writing today about my PayPal account " XXXX ''. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. Any disputes or returns were settled and all my customers were happy with their product. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves. PayPal transferred my whole balance and took my hard earned money of {$3300.00} on XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by PayPal. I have tried to resolve this issue friendly with them many times, but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014 my mortgage company, Nationstar Mortgage LLC deducted XXXX mortgage payments from my checking account. I called them and told them I only authorized XXXX payment and to please refund XXXX payment back to me. On XXXX XXXX I was issued a check from Nationstar for {$1500.00}. I attempted to cash this check but Nationstar issued a stop payment on XXXX XXXX, 2014. I contacted them again and said since my next payment was coming due to just apply to the XXXX payment. This never happened nor do they acknowledge that the check was stopped from payment. I have been in contact with them for almost 2 years trying to resolve this issue. I was told my money was put towards principal instead of payment and that it would be corrected. My money was moved over XXXX times around my account. I am now in collections and owe over {$800.00} in late fees and still am getting the run around from their staff. I will attach a copy of the stop payment that they claim does not exist. I only want my account brought current, the fees taken away and my credit repaired as I have been paying high Intrest rates on car loans and such because of a poor credit score. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account 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 and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have violated my rights. 
15 U.S.C 1681 Section 602 A.states I have the right to privacy.

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

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681 s-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 in accurate

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation