BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: CITIBANK, N.A.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Initially, when the loans were open, I was protected under the SCRA, even though Citi on multiple occasions kept placing my loans in payment and default status. Generally, when this occurred I'd contact them, and they'd request a letter from my commander confirming my military status, and that would be the end of the case. However, when I went into the United States XXXX XXXX and continued to go to school, Citi on several occasions refused to place my loans in an in-school deferment status which negatively affected my credit ratings from all three credit reporting agencies. Over the past few months, I have been trying to get in contact with Citi Bank Student Loans. However, Citi Bank no longer has a student loan division due to it being sold to XXXX. XXXX does not hold my loans because Citi still holds my loans but the number that they provide is invalid. Email request to Citi either goes unanswered or referred to XXXX. No one can give any information on the loans ; however, they continue to update on my three credit reports as closed with a balance of {$9500.00} ( originally {$6000.00} ). I also was attempting to contact Citi to request a Student Loan Discharge due to me being a XXXX XXXX XXXX  Veteran. The United States Department of Education has already discharged my Federal Student Loans. 

Information on Credit Report : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Account status : Closed Remarks : Collections Account - Placed for Collections

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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Back in XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 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 2021-04-27
Company: Experian Information Solutions Inc.
State: PA
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 a problem with experian Credit bureau Checking into an existing problem I have XX/XX/XXXX report and in accurate information on my credit report I contacted them directly XXXX they have no records please update the system immediately my family is homeless behind this matter did they say this account was open in 2020 I thought Identity theft report since then Please validate this matter Im serious this is a serious

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 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Capital One bank froze my checking account # XXXX. I called their fraud line and they said it was because of a XXXX investigation from a deposit in XX/XX/XXXX2021. They requested my XXXX taxes, which I provided to them. They did not provide the PPP loan I received ( XXXX XXXX did ) and they couldn't direct me to the policy in my deposit agreement with them to show me their legal right to freeze my account. They also could not provide any policy or direct information showing their directive from the SBA, which allowed them to do this, without any prior authorization. I now have no money to pay my rent, my car payment or feed my 3 children, because my account is in the negative. They also have taken the funds I did have in the account to offset the PPP loan amount. I have read this has been happening with other people, besides myself and I would like to know exactly what authority there is to have this happen to me, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX originated this loan in 2004, then sold the Loan to XXXX XXXX that is now being serviced by Nationstar Mortgage. I periodically call to check my account status because I do n't trust these folks and now find out independently through XXXX and confirmed by a realtor who pulled a title report that my property was foreclosed on years ago, but yet my monthly mortgage payments are accepted, annual mortgage interest statements continue to be generated and they tell me my account is current. I have made several calls, escalated the calls past the newby customer services people, assured that it will be researched and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: AES/PHEAA
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was told by American Education Services that I could write to XXXX bank to reduce my monthly payments to a more affordable payment amount. I submitted a letter then was told by another representative that XXXX doesnt not work with people to lower payments. They want to charge me XXXX per month for my student loans of XXXX. The amount they want to charge me inhibit my ability to pay off other debt too. I am also a single mother-divorced and left to pay all divorce debt. Need them to work with me on more reasonable payments ... even reducing by XXXX or XXXX would help. XXXX lowered my payments from XXXX a month to XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
In reviewing my credit I have two accounts that are not mine. 

Discover Financial Services opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
A bank made an inquiry on my credit report on XXXX XXXX I didnt make any inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, Transunion, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak 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 2019-08-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. Equifax was required to advise me that the accounts were being reinserted but never did. Equifax has repeatedly done this over the years and I have submitted several requests to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
With the new XXXX Tax Law I considered paying off my mortgage due to fact that my Standard Deduction will double. A {$50000.00} principal payment was made on XX/XX/XXXX. This payment was made via check from XXXX XXXX to Ditech Financial LLC ( " Ditech '' ) XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XX/XX/XXXX. Ditech cashed my check on XX/XX/XXXX. The allocation of the principal & interest was not processed until XX/XX/XXXX. I have tried to resolve this issue with Ditech since my first phone call to Ditech on XX/XX/XXXX. After this initial call I have had 9 additional correspondence with Ditech. The last call made XX/XX/XXXX to Customer Service said I wouldn't receive an answer until possibly the end of the month. Each call to Ditech never initiated a return call the rep mentioned and/or promised. I always had to call back and talk to someone different and review the entire scenario all over again. My wish and/or request is to simply apply what principal amount I have coming and that has yet to be completed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19. 

Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report. 

I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so. 

Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers. 

Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: MO
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 have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2019-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I opened an account and made the following transactions : -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Sold Bitcoin {$89.00} ( {$2.00} ) transaction fee -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$500.00} On XX/XX/XXXX, I submitted valid Military ID to Cashapp to be verified for Bitcoin transfers.

On XX/XX/XXXX, I requested a status update as it was advertised as 10 days for verification. Their service team said they would forward the request and I provided email, cashapp handle, and a description of the issue. On XX/XX/XXXX, I resubmitted ID, this time a valid drivers license starting the verification process over again.

On XX/XX/XXXX, I followed up and they said that their service team would send me an update. The update was literally an email that said they had closed my account and that I would have to liquidate my investment and transfer it back to my bank. They said I had violated the terms of service, which I reviewed again and I have not violated them. They then sent a vague email saying they couldn't tell me what violation occurred. I filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and my XXXX XXXX chain of command regarding Cash apps business practices. I did a XXXX search and found that this is a common occurrence while forcing people to liquidate their investment and not provide a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX while attempting to qualify for a mortgage I was informed by the mortgage company that I did not have an active credit report with Equifax. I have been building a credit history for over 15 years. When calling Equifax they told me that I did not have any credit history with them and that if I did I would need to send them a copy of my credit report. This is obviously not possible. They then asked me to send them a copy of my drivers license and social security card to verify my identity, however, when given this exact information over the phone they were unable to find my report. I do not trust Equifax given their history with hard copies of my my personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As stated on my previous complaint, I do believe that this is is not being handled the correct way. I keep being told the same thing over and over by the same person and my problem is not getting resolved

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 2022-09-10
Company: National Credit Adjusters, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act NCA 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.

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 2023-07-13
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
On XX/XX/2022 a company named Fair Collections & Outsourcing claimed I owe them {$15000.00} and it was added to all 3 of my major credit reports. XXXX, XXXX, & XXXX. They claim is it debt from past due rent. This is false. Ive never been late or delinquent with rent in my life. I filed a dispute with the 3 bureaus listed above and they did not remove this fraud. Please help

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 2016-10-21
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage got sold from XXXX to Nationstar. I did not receive a notice from Nationstar regarding the change, though I did receive a notice from XXXX. I have yet to receive my Nationstar loan number. I am actually in the process of selling my property, and need payoff information. I have tried repeatedly over the past week to get payoff information from Nationstar, and they have been unable to get this to me - saying that it is impossible to do so until the transfer is complete. This seems illegal - to prevent me from paying off my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
The XXXX XXXX XXXX XXXX thru Money Network XXXX and XXXX is most likely a way for this company and their cronies to make money off the poor and the government. Withholding stimulus payments and making fees. This all seems like it's purposely hard. 
The card mysteriously isn't sent for months then they send a letter asking you to call to get it. That takes another XXXX weeks. If you even get it. My XXXX  stimulus was directly deposited. The XXXX ones hard to get because they gave their greedy buddies a side piece of action. XXXX. 
This is completely unnecessary except for a few greedy men ti the make money off the many. 

This company needs to be looked into for the good of the people. They have it set up so they make money and/or keep it from those who don't have the resources to fight it. I'm pretty sure there is a class action lawsuit here somewhere.

Company response to consumer: Closed with explanation