BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -

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 2020-10-08
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i called to dispute some transactions on XX/XX/XXXX XXXX 2020 for my us relia bank card they sent me a new card but put a fraud lock on it, i have faxed documentation over twice and they have not reviwed it ts been almost 4 weeks and i still cant access my card

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX five purchases were made on my Citicard MasterCard account. ( Account ending in XXXX ) At XXXX XXXX. that day, I was asked by text if I had made a purchase of {$170.00} at XXXX XXXX XXXX. I was in XXXX, CA at the time and replied NO. ( See XXXX text graphic ) That purchase was turned down but five others were made that day. The amounts are : XXXX XXXX XXXX {$91.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00}  XXXX  XXXX XXXX {$11.00} XXXX, XXXX XXXX {$43.00} Total = {$510.00} I did not make these purchases and I reported them all to Citicard. I included copies of the text I received and a copy of a police report I made in XXXX XXXX. ( attached ) My financial advisor relayed to me that some of my private information may have been exposed. I am presently working with a fraud prevention agency at the expense of my financial institution. In a letter to me ( attached ) Citicard maintains that because a card with a chip was used, and I had my card in my possession, they do not consider any of these purchases to be fraudulent. However, they have not shown me any receipts with my signature on them or any photographic evidence that I appeared at any of these places at the time of the purchase. They did not notify me when they finished investigating. I found out because I made a telephone call to them. I consider their behavior to be grossly irresponsible and careless. The phone number to reach them is on the letter and I will repeat it here : XXXX-XXXX-XXXX-XXXX  I was given a new Citicard account that ends in XXXX. The name on the card is XXXX XXXX. Last four SS digits : XXXX Note : The police report was filed for continued fraudulent activity in the XXXX XXXX and XXXX, CA area in XXXX, XXXX, involving my XXXX Credit Card, but not Citicard. I informed the officer of the Citicard activity and told him that I believe all this fraudulent activity was done by the same individuals.

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a store credit card with XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As  you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and TransUnion and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part. I was never 30 days 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 2022-04-03
Company: Nelnet, Inc.
State: MN
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:
In regards to group XXXX nelnet balances and payments. 
The website does not reflect the total amount due to pay off a student loan group, nor does it allows for any overpayment for daily interest. You can not over pay or try and the daily interest. Upon my payment on the website it appeared that I was paying off my group B loan in full, but my statement show I still have a balance of XXXX cents Daily interest is {$0.00}. A full business day did not pass after payment, how was interest added? My payment due is {$3.00} which is {$3.00} more than the balance and interest combined. 

XX/XX/22 statement shows a principle balance of {$500.00} and a daily interest of {$0.00} XX/XX/22 on Friday night I made a phone call to Nelnet about paying off a laon. I was advised to include the daily interest so my loan would be paid off. That amount was not provided during the call. 

XX/XX/22 Friday night I went onto the website and set up the payment of {$500.00} for the payment to process on Monday XX/XX/22 so my payment would process on Monday. The website would not allow more that {$500.00} in payment, I was not allowed to pay an extra {$0.00} for the daily interest. 

XX/XX/22 my payment was successfully processed. 

XX/XX/22 the statement shows a balance of {$0.00} and my amount due shows as {$3.00} How did daily interest apply when the payment was the less than one business day? Why is my amount due higher than principle and interest? 

XX/XX/22 I called Nelnet and made a complaint that I paid my balance for group B in full per the website. The representative said you have to also pay daily interest. I said the website does not allow payment above the balance. She tried to remove the XXXX cents but was allowed to. She asked if I wanted to pay the XXXX cents and I said it was presented as if I had paid the loan in full. I should not have to pay additional money. She tried again to removed the XXXX cents, again unsuccessfully. I said fine, I will pay the XXXX cents, but she said she was unable to for some reason, it would not allow her to process the {$0.00} payment. She said call back before XXXX tomorrow during business hours. I said ok and hung up. 

I work during normal business hours and had already spend XXXX minutes trying to sort the amount owed out. I did not take time off work to try and pay money that I did and do not believe I owe. 

XX/XX/22 statement shows {$0.00} principle balance and an estimates interest of {$0.00} but the amount due is {$3.00}. How do I owe {$3.00}? 

XX/XX/22 my balance on the website said {$0.00}. I made a pavement of {$0.00} using Nelnet website. This payment was successfully processed. 

I have other loans for a much higher amounts that I intend to pay off in the future. Will I continue to experience this problem on a larger scale?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is a huge fraud Contacting the creditcard company to help they asked for info like my receipt well they are the creditcard company they see the charge, the company locked the account not allowing me to make a copy of the receipt. 
creditcard company asked to obtain a letter from another company stating the price paid was to high? what companty will do that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: WA
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:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

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 2020-12-22
Company: Phoenix Financial Services LLC
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: Account status incorrect

Complaint:
Phoenix financial has recently put old accounts which were removed from credit report from another collected back on my account. 
I provided multiple documents and the companies verified for my visits having XXXX XXXX. The XXXX and XXXX  agreed to remove and waive the debts due to inability to pay and my having XXXX XXXX at the time. 
Not sure how they have them now but the original creditors already removed them. 
Can easily call and verify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: TX
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:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan through Wells Fargo went into default without the company providing notice. I spoke with them about a loan modification in XX/XX/2019 and the person did not mention anything about a default. Around XX/XX/2019, the loan no longer appeared on my online portal. I spoke with Wells Fargo after that, and they said they sent notices but the postal service said I never answered the door. I know that is false because I work from home. Wells Fargo refused to reverse the default.

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 2022-04-03
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: Problem with personal statement of dispute

Complaint:
I have filed several for disputes on experian for the past 4 month about a medical collection of {$2900.00} from XXXX XXXX and it keeps saying verified but they didnt send me a method of verification after I have requested severally. One of the agent I spoke to said they are not required to send the proof they only use what they are told by collections. I had also called the collections agency on XX/XX/XXXX and asked them to verify the debt but the person I spoke to said he would email me but I never got any email. The email of the person I spoke to was on XX/XX/XXXX was XXXX. I informed experian about this after my most recent dispute came out as verified ; the person I spoke to named XXXX on XX/XX/XXXX. Was saying that theres nothing he can do as the debt is verified. He wouldnt even help me do another dispute over the phone. He says I have to call the company and I told him I had called them to verify debt multiple times after going back and forth he said sorry have a great day. This is very frustrating because Ive been on this for a while and both parties without verification claims that I owe them but cant send me anything. I have written several letters and called them and they keep saying the same thing. Attached is a copy of the email I sent to the collections agent when I was on the phone with him. Please help. This is preventing me from getting products that I would like to get. Sorry for the grammatical errors if any as English is not my first language. Thanks

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 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: MD
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, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21 we set up in XXXX XXXX  bill pay to pay {$320.00} to XXXX XXXX Bank XXXX On XX/XX/21 XXXX XXXX sent our bill payment to Capital One Bank without our knowledge or approval. On XX/XX/21 Capital One Bank deposited our check. We do not have an account with Capital One Bank. We have contacted Capital One Bank to recover our funds that were sent to them in error. No resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Please refer to COMPLAINT ID XXXX and reopen it. 

This should be reopened, it is unclear why the CFPB did not conduct a thorough review of the Bank of America making excuses for stealing from me. The bank misrepresented its features and costs, then withdrew money from my account without my consent or agreement, and it has not made a representative available who was present nor followed my request for easy resolution. 

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 explanation
Consumer complaint received 2019-03-02
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a phone bill for XXXX XXXX on my credit report that was never opened. Its been there for years and has hurt my credit and ability to get credit. I have disputed it 4 times, called the collection agency 2 or 3 times. Called XXXX who verified the account was never executed.

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 2021-05-13
Company: Consolidated Information Services Solutions, LLC
State: OK
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:
Universal credit service at XXXX XXXX XXXX, XXXX XXXX PA XXXX has inquired on my credit report 6 times after informing them I am no longer interested in their service. The 6 times were XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This has caused my credit score to drop and caused me to loose a house I had a contract on. The underwriters would not approve me because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-10-06
Company: WELLS FARGO & COMPANY
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:
THE WELLS FARGO ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
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 non-monetary relief
Consumer complaint received 2022-04-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently purchased a home in XX/XX/2021. My first payment was due on XX/XX/2021. I received a bill in the mail and promptly paid it. Since this was my first bill I only had a general idea on how much my bill was to be for which was approximately {$1200.00}. When I didn't receive my XXXX bill in the mail this prompted me to call the lender. Come to find out that the XXXX had delivered the wrong bill to me. It was my neighbors XXXX! My neighbor has the same lender as me so I did not note that it was her bill. I paid her mortgage for the month of XXXX by mistake.I have contacted the lender multiple times by phone, by fax and by email. To date, more than XXXX months later, they still have not corrected the error.

Company response to consumer: Closed with explanation