BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: OR
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:
In XXXX of XXXX a dispute was filed about a charge with XXXX in Washington State. That dispute was resolved in my favor and the money was returned to the card. 

In XXXX of XXXX the merchant charged the card again without authorization. I tried to resolve it after that. 

On XXXX XXXX, XXXX I filed a dispute with the credit card. I received a letter via mail dated XXXX XXXX that the dispute was recieved. 

Since then I have called several times for a status update. They said they have none but would by XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and was told they have " lost '' the information and can't find anything. I spoke to a supervisor who was talking like a robot programmed to keep repeating the same thing. She didn't seem trained correctly to be able to respond. The new case number is XXXX. 

I have a recording of the call. It can be provided if needed.

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 2022-09-01
Company: SLM CORPORATION
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I do not qualify for the two repayment programs that Sallie Mae offers. These programs are the Graduated Repayment Period and the In-School Payment Assistance. I've tried chatting with them, this just gets me a bunch of pre-filled answers that I don't qualify for the programs but I can speak to someone during regular hours, in which I am attempting to speak to them during. My two loan payments are in the amount of {$150.00} and {$120.00}. I can not get help from my co-signer ( this is my spouse ). We make less than XXXX a year. However because I do not qualify for either of the two options I am XXXX. The school that I received the loans for is under investigation for defrauding ( XXXX rebranded themselves as XXXX ) and they pushed me to get this loan while I was waiting for my Pell grants and FFSA to go through. If I did not get the loan, I would not start in time, nor would my Pell Grants and FFSA cover the cost of attending. I have these under investigation with the Department of Education. However, because these two loans were private I can do nothing but just stop paying and hope they are willing to do an agreement at a later date. We do not have the credit to get refinanced. Because we are XXXX, there is nothing we can do, but hope that if we stop paying that they will be nice. I have capitalized interest applied in the amount of XXXX applied in XXXX of 2022 on both individual loans, during the Covid loan deferment period. As well as accrued interest starting from the original date of the loan until today ( will be additional days as well ), there was no pause on this either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Total Credit Card issued to husband, XXXX XXXX XXXX in XXXX was included on his XXXX XXXX bankruptcy in XXXX. 
They THREATENED to have my wages garnished. 
My husband and I were not even together in XXXX. We got married XX/XX/XXXX. 
I also filed a XXXX  XXXX bankruptcy in XXXX. 
We have both added our numbers to the do not call registry. 

This is in so many ways fraudulent activity. 
Please investigate this 'litigation ' company ( could not get the name of it from the caller ) numbers included : XXXX & XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm writing because on my reports from XXXX Trans union and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct  Transunion shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXXXXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong 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 non-monetary relief
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: IN
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:
I have been sending disputed about my credit report to all CRAs XXXX, Equifax, & XXXX, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off XXXX XXXX - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I spoke with a verified vendor on XXXX regarding purchasing a golf cart. I received the attached invoice for {$1500.00} for the golfcart and {$500.00} additional for the door to door shipping. At the seller 's request I made a payment for {$1000.00} via credit card and another {$1000.00} via zelle. I received what I thought was tracing information from a website that appeared to work. 4 days later the item supposedly reached customs in the USA and I was told the shipper needed an additional {$2900.00} for an insurance fee that was refundable. I paid another {$2900.00} via zelle. The following day I was told it would be another {$4000.00} for a HMF fee ( also fully refundable ). I told the seller that wasn't possible, and they offered to split it with me at {$2000.00}. I then sent a XXXX for {$2000.00}. The following day I am told it will be {$1500.00} for the shipping, however the " tracking website '' now shows released and out for delivery. I told the seller I felt this was a scam and asked for photos of the golf cart as well as the port it was located in and stated I'd go pick up myself. The seller said photos and pick up were not possible and I'd now be charged storage fees. This is all documented on XXXX, however they are not assisting in getting my zelle funds back from their " verified seller ''. All items are documented attached. I filed a dispute with my banks regarding the zelle payments and they have said they also can't assist. The shipping company doesn't appear to exist, they have no phone number and the email address doesn't receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

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 2018-08-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from AllianceOne, on Tuesday XX/XX/2022 at XXXX am XXXX time, they told me I was in collections with XXXX XXXX XXXX, XXXX which is my XXXX XXXX XXXX. I had not received any notice in the mail and I wasn't sure who this AllianceOne is. I have XXXX XXXX and this was causing me XXXX. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} XXXX told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called XXXX XXXX card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase using my AmazonPrime store card ( Syncrony Bank ) on XX/XX/2021. The hose reel cart was purchased from " XXXX XXXX XXXX '' in Texas for a total of {$130.00}. I found the same item at our local XXXX XXXX store for {$99.00}. I asked Amazon for a return. They referred me to XXXX XXXX XXXX. 
They refused to return the item. I contacted XXXX on XX/XX/XXXX and filed a dispute on the hose reel charge. I contacted Amazon to complain about their seller. XXXX XXXX XXXX provided a return shipping label on XX/XX/XXXX. I returned the item Using the XXXX label provided on XX/XX/XXXX. Amazon refunded the {$130.00} to Syncrony bank on XX/XX/2021. 

It is XX/XX/2021. I have contacted Syncrony bank several times in the past 2 months about the {$130.00} charge that still appears on my account. I asked Syncrony to cancel the dispute.They said that the dispute dept. has not completed their work. Today, the rep from Syncrony said that it will take another 60 days. Something is wrong. 

Syncrony bank has fraudulently charged my account, though the payment was made by Amazon on XX/XX/XXXX. Syncrony still charges my account when I requested that the dispute be ended. I spoke with Amazon again today. They asked me to call Syncrony again. I am now on hold with Syncrony for over 30 minutes.

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 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however Transunion and XXXX will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. 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 explanation
Consumer complaint received 2022-09-01
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with Credit Management LP, XXXX XXXX XXXX XXXX XXXX, TX XXXX. They did not provide me with the original application or contract bearing my signature like I asked. Therefore, they are unlawfully reporting this debt under my name to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Recently I received my amended tax return check and made a mobile deposit into my joint checking account with my spouse. They made XXXX available and put the rest of hold until the check cleared. Two days later, They put my entire account on hold, including my husband 's pay roll direct deposit. They put my entire account under fraud alert stating that my check was not a real check. After numerous calls to the IRS, the confirmed that the check was legit and that they did issue it to my spouse and I. Then for no reason at all, decided to tell me that they are no longer going to keep doing business with me, and that my husband and I would have to wait 60 days to get any of the money that was in our checking account. They refuse to allow us to have any access to any of our funds, put our account on fraud alert for no reason even after it was confirmed with the irs that it was a legit check, also refused to provide any reason as to why they were refusing to do business with me anymore, Also would not give a reason why they were closing my checking account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres XXXX fraudulent credit inquiries on my profile that needs to be deleted bellow is my IdentityTheft report and other documents

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 2017-08-29
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: Account status incorrect

Complaint:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

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 2021-06-08
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent a check for {$150000.00} ( check no XXXX ) to XXXX C/o Nationstar Mortgage LLC with a letter to apply that amount to my principle. The check was not cashed. I called on/about XX/XX/XXXX and was directed by the associate to put a stop on the check as lost. He connected me to XXXX XXXX XXXX XXXX and I did as instructed. 

On XX/XX/XXXX, I sent a second check for {$160000.00} ( check no XXXX ) by priority mail with a letter of instruction. It was received by Nationstar on XX/XX/XXXX. I have the postal receipt. That check has also not been cashed. 

I called again on XX/XX/XXXX to inquire about the progress of their investigation for the lost 2nd check. I was told by the associate that they can not locate the 2nd check either. 

I am concerned that there is the possibility of fraud or at the least gross negligence occurring. Both checks were written from the XXXX XXXX XXXX XXXX  account. XXXX appears to be the principal for their agent Nationstar Mortgage LLC. 

I want this matter investigated as to what procedures and policies are in place by both Nationstar and XXXX to prevent these occurrences and why they have failed twice to prevent this incompetence. 

I also want the name of an individual to whom I can direct certified mail in order to send a 3rd check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Vanguard Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from debt collectors Vanguard Financial Services , Inc. in the mail stating that this is in advisement of a delinquent account and how it may be reported to a National Credit Reporting Agency. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Vanguard or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. 

I have no contract with Vanguard Financial Services , Inc . I have yet to witness a " wet ink '' signature between XXXX XXXX and Vanguard Financial Services , Inc nor have I ever received a True Bill in commerce in regards to this account. Vanguard has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.

Company response to consumer: Closed with explanation