BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: WA
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:
I placed an order from a website called XXXX in XXXX using my Citi Bank Card. I received the order and it contained an item that I did not order, and item that did not match the sizing description and another item of very poor quality. I contacted the customer service email at XXXX only to have them reply to me that they would offer me {$12.00}, a fraction of what I paid or I could pay to ship all the items back at my cost overseas. They will not provide a phone number to reach anyone at, and will not refund my money or provide a prepaid shipping label. I did not agree to the {$12.00} refund, which is what they did send me and I do not agree that I should have to pay for returning an item that is incorrect, and two other items that one does not match the sizing provided on the website and one is of terrible quality. I filed a dispute with Citi Card ( Dispute number : XXXX XXXX ) only to have them tell me they can't do anything until I send the items back to XXXX. It will cost over {$40.00} for me to send the items back that I did NOT order, that do not fit or match the description on the website and the merchant has no phone number to call and will NOT provide a return label. Citi Card is refusing to protect one of its customers from fraudulent charges from a merchant that fails to send the products ordered and has done a terrible job with it's customer service. Why would I go out of pocket another {$40.00} only to 'hope ' that Citi is actually going to get my money back after I send the items overseas? That doesn't make any sense. The merchant sent the wrong items in the first place.

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 2018-11-24
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was never late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}

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 explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Looks like two different time TU interactive let credit runs on my credit without my consent. Transunion didnt do anything to 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 2019-09-12
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early Warnings is reporting a XXXX XXXX XXXX bank account that states that I interacted with the account in an unauthorized or prohibited manor. There was fraudulent activity on my account, my wallet was stolen and it was not me who interacted with this account. I sent the police report to early warnings but they claim that there is no new information about this account. In XX/XX/XXXX and XX/XX/XXXX, I sent a letter asking the method of verification used to obtain the results of their investigations. Both times, they have failed to provide me with the requested information. I have also attempted to reach the bank by sending a letter to the address provided by Early Warnings and I have not received any response from XXXX XXXX XXXX. I have attached all documentation received and sent to Ealy Warnings, including a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The original creditor is Capital One Auto Finance. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the capital one repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that Capitol One had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that Capitol One sold the debt to XXXX XXXX who has been less then professional. XXXX XXXX not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have XXXX XXXX and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Problem with XXXXI had a charge off removed from my report and all agencies increased my score up to 80 plus points. ( equifax increased mine 87 points XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they took 81 points off my score dropping it to XXXX!! The only activity was 2 payments I made ON TIME to a car loan and a personal with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Brinks and Netspend prepaid visa and mastercards I applied for were fraudulently stolen from me I never received them my mail was constantly stolen. My apartment was broken into several times at the XXXX XXXX XXXX XXXX, XXXX apartment I used to live in. I am suspicious of the suspects able to hack into my phone I was using, I would track phone numbers and get all transcripts from phone companies and all transaction history from XXXX   XXXX XXXX XXXX and all banks. The suspects also were able to hack into my computer from breakins and stealing my information. I never not once made a transaction with any card because I never received in cards from Netspend or Brinks. The suspects also hacked into cfpb.gov/prepaid and was able to steal my information which they had from breaking in my apartment and ordered several cards. Using address XXXX XXXX XXXX XXXX, XXXX as there address I would call XXXX XXXX XXXX  in XXXX, Colorado and see who has lived there. They also used XXXX XXXX XXXX XXXX the main office as a fraudulent address. This was from XX/XX/XXXX to present. I have suffered physical and mentally and went homeless because of the constant 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 2020-12-20
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2020-12-20
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: Information belongs to someone else

Complaint:
I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the loan forgiveness program in XX/XX/2021. I explained to the representative that we are not in the office plus PII can not be sent over email, so I asked the question of what can I submit for verification. She stated my W2. Thus, I submitted a W2 for my previous Government jobs and my current job at a non-profit. 

In XXXX, I received a stating Not Eligible, and they did not evaluate the eligibility of my current employer. When I called customer service, they stated my current employer is on hold in the system, but could not explain anything else. On XX/XX/XXXX, I received another request to submit the certification for my current employer because they are open. Thus, I sent the certification with signature on XX/XX/XXXX. 

I called on XX/XX/XXXX checking on the certification, and the representative said it was scanned in because of the volume of application and the process will take longer. As I explained to her, I am receiving misinformation and this process is confusing. I did everything each representatives requested and the process was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

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 2018-01-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.

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 2021-02-16
Company: National Credit Services, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying for years to have my loans rehabilitated by the National Credit Services. I check my credit report on XX/XX/2021, and see that my loans still show that I am in collections. 

I called National Credit services and they state the last payment that would put my student loans in good standing FAILED. And because that payment didn't fail in XXXX I would have to go back through the program allowing the defaulted loans to stay on my credit report for another 9 months. 

I never received any communication about a failed payment and if I did I would have happily provided new details for my last payment to have my loans in good standing. National Credit Services even has a record that I contacted in XXXX. I called in XXXX to find out why my loans weren't out of default and I was told that paperwork needed to be submitted to have my loans returned back in good standing and that I should wait for communication from the Department of Education. 

The resolution I am seeking is that I am able to make my last payment so that my loans can return to good standing so that I can have the ability to rent a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
My father who is XXXX went online to renew his XXXX XXXX. He unfortunately came across a predatory site that was supposed to help him but instead just charged him {$170.00} to do what the government USCIS site already does. He called both the service provider and Bank of America - the provider of the credit card that he used - as soon as he realized that something was amiss. While the site promised a refund, he was only offered a partial refund. He then contacted Bank of America to dispute the charge. 

Bank of America has just notified us 4 months after the initial call that the dispute has been denied and that we have no recourse because we willingly provided the unscrupulous vendor credit card information. This is a business that has 150 complaints against it and rated an " F '' and Bank of America is actually abetting this predatory company. We might have to pay this money but never again will any member of this family do any business with Bank of America. 

They do not deserve your business.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it 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 2020-12-20
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

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