BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Carvana Group, LLC
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:
XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: PENTAGON FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENTAGON FEDERAL CR UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: NY
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 hurting my Credit history since I had no transaction with this company. I don't know how they got my information, this account was closed with a balance over eleven thousand dollars. I am receiving bills and threatening letters from this company.

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 2020-04-29
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a XXXX XXXX XXXX XXXX card through the mail. I did not request it. I phoned to speak to someone as to how this happened but their computerized menu does not allow that possibility. I want to know how and why they are able to send a financial instrument with my name on it without my consent or request. And then you are not allowed to ask.

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 2020-04-29
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank failed to verify checking account information accuracy at the time of linking to credit card payment, but charges payment returned fee and interest when auto payment failed due to error in account information. Customer service representatives giving conflicting information about reversing the fees and interest charged to the account after payment made. Predatory practice and abusing customers should be stopped at citi.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with Experian, XXXX, and XXXX on XX/XX/2021. The account is from XXXX Bank and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on 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 2020-04-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially reached out to this agency requesting verification of debt that is listed on my credit report via mail on XX/XX/2020. The company received the letter in which I stated in the letter : I am writing to request that you please the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

I received a letter stating that they have talk to their client and the have verified my name, address and the amount that was owed dated XX/XX/2020. I also received an account itemization with in this letter. I contacted the agency and spoke to XXXX, and XXXX who stated that information sent was proof that I owe the debt. While talking to XXXX he stated that the itemized bill was from the creditor and the address was verified as a different address from the one on the bill that was sent to me via Wakefield and associates. XXXX also stated that I asked for a itemized bill in which he stated that is proof that I owe the debt and this what is sent when some one asks for verification on debt. XXXX XXXX the account specialist stated that the letter was received for my request and that I have no right to request such validation of debt via a letter unless I request the information via the court system. I asked was he denying me the right to request the information stated above. XXXX XXXX stated that I do not have the rights to request the information via a written letter. 
This company continues to report inaccuracies to the credit bureau and is violating 15 U.S. Code 1692e. Section 2 ( The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ) and, section 10 ( The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I received notification that my TransUnion and XXXX credit scores had dropped by 119 points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe TransUnion and XXXX both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to 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 2018-11-18
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is being filed for my XXXX Anywhere Visa Card ending in -XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018 with a hotel in XXXX XXXX. An initial complaint was filed with the CFPB disputing the validity of this charge mentioning the condition of the room and how severely uninhabitable the room was upon me entering it. The carpets in the room was extremely dirty ; there were several leaks in the ceiling of the restroom which reeked of human feces and urine along with the fact that there was a severe bed bug infestation to the point where I developed XXXX and XXXX XXXX on my skin. All of this was mentioned during my initial dispute of this charge with Citi and documentation, including photographs, were provided to support my statement. 

I was told from the initial CFPB response that this was a " nonrefundable '' charge. I would like to address that point right now. I do acknowledge that this charge was non-refundable however, it was based on the condition that the hotel provided a room that was as advertised during my booking. The hotel deliberately and falsely misrepresented the condition of the room - which in turn, equates fully to false advertising. I should be fully refunded this charge based upon the misrepresentation of the condition of the room during my booking. The hotel DID NOT provide a room that was livable by any means ( as described above ). I developed XXXX XXXX on my skin that required hospitalization. I expect, at the very least, for this charge to be refunded as the hotel DID NOT live up to their promises and the expectation of providing a room that was as advertised during my booking. The hotel, instead, provided a room that was filthy, contaminated and infested with bugs. 

A civil lawsuit is in the works against the hotel for injuries suffered during this stay. Accordingly, this charge, at this time, should be rightfully reversed and a credit be given in light of the evidence submitted to Citibank during the initial filing of this dispute. Statements, backed up by photo evidence, was submitted during the initial dispute of this charge. I fully expect a credit for this charge as this hotel provided a room infested with bugs which was, extraordinarily negligent and illegal - on the basis of injuries suffered by me, gross misrepresentation and false advertising of the room.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the 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 non-monetary relief
Consumer complaint received 2020-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX my debit card was stolen and it was used in all this places 1- at XXXX {$100.00}, 2-XXXX {$780.00}, 3- ATM at XXXX XXXX CA {$700.00}, 4-XXXX {$350.00}, 5- XXXX {$400.00}, XXXX {$820.00}, 6-XXXX {$610.00}, XXXX  {$1000.00}, ATM at XXXX XXXX CA {$300.00} . The total amount of the money stole was {$5100.00} I reported all this to my bank which is WELLS FARGO. All this transactions were made around XXXX and I never got a notification of my bank asking if the person using the card was me. Also as soon as I find out about this transaction I reported to my the bank and let them know this wasnt me. The bank ( XXXX XXXX ) did a investigation and less than one week my claim was declined with no further notice, I ask the bank to give me an explanation and they tried to avoid to talk to me. I believed, I did the correct and right thing which was report it as soon as possible to the bank and also to the authorities ( police ) I filled a repost as well. 
I also believe the bank should freeze my account when they see any type of strange activity and they did not do anything about it. As a customer I feel discriminated because they didnt want to hear about what happened the moment my card was stolen, I also was part of a violent crime. At this moment I tried everything I could so the bank can give me a solid reason for why they declined my claim.

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 2021-10-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I received notification that my XXXX and Equifax credit scores had dropped by XXXX points due to the following : -a transferred XXXX  student loan account -incorrect delinquent payment history reported by XXXX, a third party reporter of XXXX -multiple unauthorized hard inquiries I believe XXXX and Equifax both denied my requests to dispute the above, violated my privacy by the unauthorized release of my credit reports and took discriminatory action against me with the sharp decline in the calculation of my credit score when XXXX transferred a student loan account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Citi Prestige credit card comes with a {$450.00} annual fee and is billed as Citi 's highend credit card. One of the benefits that comes with this high annual fee is supposed  access to a premium " concierge '' service. Another benefit of this card is a " 4th night free, '' which allows a credit card holder to receive a fourth night free ( when booking four or more hotel nights ) through its concierge service. However, Citi has made it virtually impossible to use this benefit. I was on hold for more than two hours to redeem the free night benefit. I got nowhere. By making it impossible to redeem this benefit, Citi has effectively eliminated it. As a result, the annual fee is paid and the customer receives nothing in exchange. 

I want my annual fee refunded. I do not pay an annual fee of {$450.00} to wait on hold for two hours to use my benefits. To make matters worse, I called early in the morning, at XXXX   EST. Yet, even at that time, the hold times are ridiculous. If Citi is going to charge an annual fee of {$450.00}, it should not make its customers wait two hours to access their benefits. I spoke with a supervisor and he was apologetic but could not offer any solution.

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 2020-04-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
1. My loan was consolidated without my consent 2. The Specialized Loan Servicing LL are not providing me with monthly statements 3. I have asked of copy of past monthly statements and have been denied.

4. I have asked for payment history and loan agreement and have not received it.

5. I have received inconsistent answers from their customer representatives regarding my concerns.

6. I have been told that I have an excess amounts on my loan but have also been told that the interest on different months is past due.

7. I was told by one representative that they were not ready to receive these loans from XXXX XXXX XXXX and that is why there are so many discrepancies since their system was not set-up for these loans and funds and payments are not being applied correctly.

8. I sent a letter with my original concerns, they acknowledged receiving my letter, XX/XX/2020 but their response letter was dated until XX/XX/2020. Over one month before a response was provided. 
This situation has cause me grief, frustration and unnecessary stress.

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 2021-10-19
Company: BLINCLOANS, INC.
State: VA
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  is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a phone call from someone claiming to be with Ocwen XXXX  and was going to help me with a government modification loan. I was then asked to go to a wire XXXX and get money on a card and give them the information from the card on Friday XX/XX/2020. I was very skeptical, but they assured me it was legitimate with a ID # XXXX for Mr. XXXX. I loaded {$200.00} on a card and gave them the number from the card. I didn't have {$200.00} extra dollars, but was looking for a way to catch up my payments and have them lowered. I have since done some research and discovered I've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, Experian : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX PXXXX XXXX XXXX XXXX XXXX   XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief