BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my balance over the phone as I thought I had already paid it. I pay my bills in the entirety usually before I get the bill. I received a notice to pay and called because i was confused I had already paid it. It was 2 days after due date and the person said they would give me a 1 time courtesy for the late fee. I guess it never happened and received an alert through text 2 weeks ago that I owe {$140.00}. It is late fees upon late fees for the promised 1 time courtesy back in XXXX. They said they do not have the transcript of the phone call. And strange I only received notice now. 
My balance should be {$0.00}. It is some scam the company is using

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 2021-10-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a credit card with apple. Shortly after making a donation to winred via Apple Pay which uses my Apple Card they blocked the card. The company refuses to help me unblock the card they are also refusing to give any guidance as to why or fix it. They are trying to ruin my credit for donating to an opposing political party as a war vet I find this absolutely disgusting. I have contacted XXXX XXXX by email to help motivate his team to do the right thing and yet the customer service is continuously classless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 my phone lost service around XXXX I tried to turn phone off and on noticed that my phone still wasnt working I then proceeded to check my email and noticed password reset to my email and coinbase account using sms XXXX. After noticing what was going on immediately contacted former cell provider XXXX XXXX XXXX XXXX XXXX them to transfer back my number to my phone because it was an unauthorized transfer, and regained access around XXXX to my cellphone. I than email and called coinbase number to lock my account which they failed to do and allowed the pending transfer that was on temporary hold until XX/XX/21 from XX/XX/21 to XX/XX/21 Ive been in contact with coinbase support who admitted in email they noticed and unauthorized transactions stealing {$7000.00} out of my account and additional {$1000.00} from my bank and that it was my fault for not securing my information properly which is false I did secure all information. They also repeatedly blocked my email every time I responded to them. On XXXX coinbase reveal that there was a breach in the company dating back to XXXX and XXXX customers including myself was a victim to hacks by a bad actor and that they would refund customers affected. On XXXX I asked company for promised refund due to the company security flaw they denied security flaw and reimbursement and stated that it was my fault today on XXXX that my information was breached and that they wouldnt reimburse me. I think the company is stealing from the customers and trying to cover it up since they are not regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-03-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a lawsuit check XXXX dollars to my navy federal account on XX/XX/2023 they told me that check was bad when it wasn't my lawyer l XXXX XXXX from XXXXXXXX XXXX called and told them that the check was cashed on XX/XX/2023 and the bank restricted my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2018-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 Wells Fargo and all assignees XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Responding to Wells Fargo answers from previous complaints Please be advised that the financial institutions answers does not change all or any of the original complaints against them nor the facts attached in relation to same. 

A ) The answers delegated and projected by Wells Fargo are evasive thou well intended Yet they do not in any way represent any solutions or remedy to existing problems generated and caused by them. 

B ) Wells Fargo does not offer or provide any decent solutions by showing and demonstrating their intent and contention of replies. 

c ) The more I see their documents the more I see corruption, the more I see their response the more I know the purposes of my complaints. 

D ) Wells Fargo you may deny the truth but the truth will not deny you E ) all and every complaint used against you did not come into existence because you did something right it actually proves you are still doing something wrong. 

F ) There is no word to accurately describe all of the fraudulent corruption you have practiced both passively and actively in your involvement and practices but rest assured its for certain Wells Fargo your day of correction and constant abuse is coming to an end sooner than you think, your biggest investors will testify against you perhaps that will refresh your memory, and the restitution you owe is greater than all of your investments combined. 


The foregoing is in direct reply to Wells Fargos answer in my mind its considered dejected and without merit. 


Sincerely : 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

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 2020-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters to equifax, XXXX, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: AL
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:
I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am looking to purchase a new built home in XXXX California and US Bank Home Mortgage is the builders preferred lender so I am required to obtain pre-approval from US Bank specifically. I submitted a pre approval application with US Bank on XX/XX/XXXX and also submitted requested personal and financial document on US Banks portal on XX/XX/XXXX. Since only XXXX Banks pre approval is acceptable to the builder, I only submitted information to US Bank. I started to receive numerous solicitation calls from mortgage brokers and companies on Monday ( more than 30 calls ) such that I had to shut off my phone as it was interfering with my work. Many of the callers indicated that they knew I submitted an application, they knew my credit score and they knew I was purchasing home in a particular neighborhood. It is apparent that US Bank, US Bank Home Mortgage, or each of their agents, officers, employees, vendors or partners have negligently or intentionally caused the unauthorized disclosure or sale of my person information, including my cell phone number and email address and thereby exposed me to fraud risks. I do not know if other personal financial and banking information have also been negligently or intentionally leaked, disclosed or sold. I was unable to reach consumer data protection division of US Bank as such information was not available on its website or through its customer service line. By accepting only pre approval letters from US Bank, XXXX XXXX also acted in consort with US Bank in connection with such negligent or intentional disclosure or sale of my personal information and data.

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 2022-04-08
Company: EQUIFAX, INC.
State: PA
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:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I sent Notice of dispute XX/XX/2022. ChexSystems claim to have verified the account. In XX/XX/2022 i sent ChexSystems an NOTARIZED AFFIDAVIT OF TRUTH & they responded back Verified and accurate, but however removed my unverified inquiries. This was proof that they could not verify the information. This has caused mental anguish, due to not being able to pay my bills & take care of personal thing. Pursuant to 1681 ( a ) ( 2 ) your company is a inadequate elaborate mechanism & this mishap has RUINED my reputation information indeed was verified. If it was verified what is their Method of Verification?? Also the only proper way to respond to an AFFIDAVIT is with another Affidavit. they did not respond properly. Below is all details attached. The banking system is dependent upon my consumer report being fair & accurate. These account are clearly affecting my life adversely. 3rd attempt to correct this issue is attached below also 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.

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 2020-07-09
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XXXX XXXX to XXXX. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report 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 2018-10-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private  accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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 explanation
Consumer complaint received 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: NY
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 USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604-A Section 2 : It also states consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I used my credit card to pay a doctor for a procedure on XX/XX/21. My credit card was charged and the doctor was not paid. My doctors office ran the charge again ( {$2700.00} ) and it went thru. My credit card charged me for the initial charge in which they did not pay the doctor and also the charged that amount again when the doctors office submitted the charge leaving me with a {$5400.00} total charge.

I have accrued redeemable points thru my credit card charges. I redeemed these points for Amazon e-cards one in the amount of {$10.00} and another In The amount of {$25.00}. I was sent invalid number for these cards and was not able to redeem them. In addition I was charged for 4 other Amazon gift cards which I never received. I cant prove that since there is no record of it on my side.

I then Made {$100.00} payment to my account which was never recorded.

These issues have been going on for weeks. I have spent countless time in the phone with customer service with no resolution, just a continuation of one issue after the other! I am now concerned that my XXXX  credit score will be ruined since they arent recording payments!

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 2023-06-07
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation