BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my letter to XXXX  executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online. 


As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor. 

I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point. 



The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points

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 2018-09-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
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/2018 I went to XXXX XXXX  XXXX of XXXX with a pre-approval letter that I received in the mail from XXXX  XXXX. When I arrived and got with a Salesman XXXX, I advised him I only wanted to take up the offer from XXXX XXXXXXXX and I didnt want my credit to be ran with any other lender. He assured me it wouldnt be due to XXXX XXXX had already agreed to the pre-approval. He came back with a paper and asked me to sign saying I needed to sign to get the pre-approval for XXXX XXXX, so I signed. I was not aware that I was signing for them to run my credit with a series of other lenders. I discovered this by the notices I started getting in the mail a couple weeks later. When I contacted the dealership I was placed on the phone with a rude finance manager who was basically telling me he had my signature and thats what I ageeed to when that was not true. My signature was there because I was under the impression it was needed for XXXX   XXXX not to get me financed with other lenders, when I specifically said when I arrived, I only wanted XXXX XXXXXXXX. They did not attempt to help at all. They threatened to call the cops and have me removed from the facility after their fianc manger followed me to my car using foul and XXXX slurs that I will not mention here. The issue needs to be addressed because I did not authorize them to process these things against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit reporting companies - XXXX, XXXX, & Equifax. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through XXXX and Equifax has been not only hard but nearly impossible. I was given pin # s to use by XXXX and XXXX but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from XXXX, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for Equifax, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Due to Risk and online fraud.I was told to go into a banking center.I went into a banking center.I spoke with a Financial Center Manager and Asst Vice President XXXX XXXX XXXX..I went into the Bank of America located XXXX XXXX XXXX, MD XXXX XXXX.He was very unprofessional He throught it was a joke and his customer service was poor.I grew upset and called him a clown and told him I will see him in court.I was told by the risk dept to go into a banking center.So they could call risk dept verify who I am and open up the account.I would like my account reopen asap.It causing me emotional and mental distress ... .Why wasn't I able to open to open an account.I did everything they told me to do.I was still denied equal access to the bank opportunities.I want my account opened back up.Why was the account open ... .I want my account opened back up.Mr.XXXX XXXX XXXX need to be reprimanded for not be professional and not having the awesome customer service.I would like to know why didn't he do his job.Why didn't he make the necessary calls to Bank of America Risk Closure dept to let them.I was at the banking center and want to open up an account ... They told me All I had to do was go inside a banking center verify myself and the account would be reopened. 

If my accounts are not reopened.I will file a Federal Class Action Lawsuit for XXXX XXXX dollars in Federal Court US District Court .The lawsuit will be against Mr. XXXX XXXX XXXX Financial Center Manager and Asst Vice President and Bank of America

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 2018-09-04
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX XXXX Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is called XXXX XXXX XXXX and the associated phone number is XXXX XXXX XXXX XXXX. 

The person name is XXXX and she has called many third party contacts in regards to my account. The following below is who she have contacted : XXXX my neighbor on XX/XX/XXXX XXXX my mother on XX/XX/XXXX My employees at our help desk on XX/XX/XXXX The phone calls are excessive to the rate of each hour.

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 2018-06-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
This compliant is against XXXX and XXXX  XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have  contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX  and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. 

I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.

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 2018-09-04
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance was paid on XX/XX/17 and this payment as of today has still not been applied to my account. 
I have sent them 2 months worth of bank statement ( XXXX and XXXX ) and a letter from my bank and yet they still have taken no action. They claim they didnt see me logged in online or spoke with a rep that day. That continues to be there reason, ignoring the verification I have sent to them. 
I have been disputing this for over a year now and my mortgage continues to show 1 month behind. 
They are the worst company I have ever dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CITIBANK, N.A.
State: KY
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:
XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

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 2020-06-30
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, I was recently a student at a college I no longer attend. I feel as if they mishandled me and discriminated against me. I have {$1000.00} to owe this bank as a charge off. There were fraudulent charges and activity in my account that I had no knowledge of. And my account owed this large amount. I was even told by fraud department that this school branch in XXXX, MO should have closed my account a long time ago if there was suspicious activity and open a new one, instead they just kept it alive. I have been mishandled and feel discriminated against. I do not want a closed account on my XXXX  as that can cause problems along the way. I want to be able to possibly open a new account with this bank in the near future or any other bank for that 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 explanation
Consumer complaint received 2018-11-09
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE

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 2019-01-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX  XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX  is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. 
Please call me. 

Thank you, 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 2018-09-04
Company: Navient Solutions, 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 information incorrect

Complaint:
XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to Navient and I am dealing with them. The school committed fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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:
XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.

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 2018-09-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I Attended XXXX XXXX College of XXXX Nc in XX/XX/XXXX for XXXX  and graduated XX/XX/XXXX. This school has shut down and now I'm stuck with paying loans for a school that has been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: DE
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these Items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: DISCOVER BANK
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 provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite XXXX written requests, the unverified item listed below still remain on my credit report in violation of XXXXderal Law. Under the FCRA Discover provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation