BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account with was supposed to give me XXXX XXXX XXXX points when the terms of the account opening were completed. I completed those terms, and now Citi is saying they will not honor my completion. I have contacted them multiple times regarding this promotion and they are refusing to honor it.

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 2015-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The credit card company has been notified of unauthorized charges and they have ignored my many attempts of reaching out for assistance. I have been a victim of identity theft and let them know that and they left a Credit card in my name open aft e being notified of this. There are many charges and they are now reflecting negative on my credit file. Sears has not done anything to resolve this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I consolidated my all student loans in XX/XX/XXXX with the Department of Education. 
I had a loan with a private lender NELNET from my XXXX degree in XXXX. My original loan with them was $ XXXX and now it is close to $ XXXX. This lender was able to add 2 more subsidized loans when they found out I was consolidating all my loans. Now I have two separate loans one consolidated and 2 added ones for {$2100.00} each ( {$4300.00} total ). I do not want to keep in business them, they are trying to keep me as client and if I try to pay this off they will keep adding charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to XXXX me a loan. There were hard inquiries in XXXX on all XXXX credit reporting agencies and there should not be any.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: AL
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE ANDY OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

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 2020-04-15
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'm a victim of identity theft and and I have one fraud item still on my credit that I dont recognize not did I authorize!!! I would like it removed. I've applied with every thing that's been ask of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: OH
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 purchased a home with my ( at the time ) husband using a VA loan through XXXX XXXX XXXX XXXX  in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX  ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX  is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information 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 2020-06-01
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX from Warner Asset Location Services ' Legal Department called me looking for my ex sister-in-law, stating that there was a complaint filed against her and XXXX wanted to help my ex sister in law defend herself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
RE XXXX XXXX CITIBANK CARD : XXXX : RE MY XXXX XXXX CARD, activated as of XXXX : Ca n't login - no such card info. ( Set up wXXXX XXXX via phone ; all I have to do is login XXXX and link accounts if I want them linked ) .Could n't login - message said no such card information on file by XXXX. Called XXXX XXXX card XXXX XXXX & was disconnected 3xs. 
Tried to login to my XXXX XXXX - said information provided does n't match XXXX info ; received a message I tried to login too many times, have to wait at least XXXX hours to try to login again. Called XXXX ( my regular XXXX number, waited 10 min ; tried to talk XXXX XXXX XXXX who was next to impossible to understand. He said he could n't help me - call back in XXXX5 hours because they were " updating all accounts. '' Told me to call XXXX for help with my CitiCard login problems! ABSURD. NOT AS ADVERTISED. INADEQUATE ASSISTANCE. Need to use this XXXX XXXX card that replaced XXXX XXXX XXXX for bill pay and to buy truck gas.

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 2016-06-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been fighting this battle Of Identity theft among many Creditors that they believe that the account has been verify as being mine. Macy 's just verify the account by identifying my name and address to be correct and it match their records, therefore the Credit Card accounts are mine, without telling me how they concluded with the investigation of both accounts, No information has been released to me, to let me know about their determination about those Macy 's Accounts, where they can prove I actually made all of the charges on those Credit Card Accounts. Instead what I found out later is the fact that Macy 's all of the sudden created another different Credit Account Number the difference between of both account is the fact the numbers are different ; but the opening date of both accounts are the same and both carry the same balances, Frankly I have never seen anything like it, The problem is that both account are creating a big impact on my Credit Profile and Credit Score because both accounts are close, but the problem is that every month they are reporting that both accounts are over the limit, and also reporting as both being late payments, when in fact both accounts are closed, on top the last payment according to them were received over 4 years ago, per Fair Credit Act and the provisions if the account are over 4 years, and trying to collect a debt are in violation of the statute of limitations in California where I reside, Please see the issues in detail to see If I am correct that there is violations, for example how in the world a Credit company can create XXXX accounts under the same name account holder, and both has the same balance and opening dates. 
This account were reported as of Identity Theft I submitted the Police Report as well as the Federal Trade Commission Affidavit to Macy 's apparently they ignored it, you can find as well the Case Number under FTC. on the police report. 
Also I Wrote a letter to Macy 's as you will see int he attachments dated XXXX XXXX where I am specifying to Macy 's that they have 30 days to provide me with the documents requested it, as of today I have been ignored, it do n't matter the letters Macy 's had sent me stating that the account has been validated but How?, when? where is the Investigation Report? I ask them if you fail to provide such information within 30 days they must Remove/Delete both accounts and Notified the XXXX major Credit Bureaus to update 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 monetary relief
Consumer complaint received 2020-09-10
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, we paid Amerisave Mortgage {$500.00} for an application/appraisal fee for a refinance of our home. At that time we were told that the {$500.00} was required to lock in the rate in at 2.5 %. We asked for written confirmation of that rate and were told to 'trust ' the loan originator. We did not receive the rate lock in writing.

For several days after the 10th I repeatedly called and emailed Amerisave asking for confirmation of the rate lock. I was given numerous excuses relating to their 'system '. I clearly told Amerisave that if they could not confirm the rate lock by XX/XX/XXXX in writing that I would dispute the {$500.00} charge on my credit card. They did not answer my calls or emails other than to say 'my boss will call you '. The boss never did return our call and on XX/XX/XXXX I wrote again, to Amerisave informing them that we would be taking our business elsewhere. 

They have not refunded the {$500.00} charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I submitted my application for the PPP loan program of the XXXX at Wells Fargo on Saturday, XX/XX/XXXX around XXXX EST. I checked the last time at XXXX EST that morning and the portal was not available. Therefore I applied within two hours of the portal first opening. A fellow Pennsylvania franchisee applied at XXXX EST the same day, or around two hours after I did. He received his approval and funding on Wednesday, XX/XX/XXXX and I haven't even received a confirmation of my loan approval yet. 
I was told by a Wells Fargo representative that the loan process was done completely online and was not using any filters, but was processing application in chronological order. Obviously, that is incorrect and the only difference between me and the other franchisee 's business is that he started two years ago and I am a first-year business. Therefore, Wells Fargo must have used a risk filter to pick which applications it was approving. This appears to be an unfair practice to me and I might now be forced to shut my business down, since I can't cover payroll much longer.

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 2016-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I applied for citi double cash credit card online. Application ID : XXXX My application for credit was rejected. On the rejection notice the credit card company gave me XXXX reasons : 1. Too Many recent credit inquiries are recorded on your credit bureau report. 
2. Your credit report reflects a lack of recent installment loan information. 
3. Your credit report shows insufficient credit history. 

I requested the credit bureau report from the agency provided in the rejection notice to verify my credit history. 
The reason # 1 mentioned is patently wrong. I had XXXX hard credit enquiries. This transaction with citibank has resulted in XXXX new Credit enquiry dated XX/XX/2016. Please see attached Credit Bureau Report. 

I have over 9 years of credit history and no derogatory marks whatsoever, so I find it hard to accept the third reason provided as well. 

I have never taken a loan, hence there are no loans on my credit report. 

I feel that I have been discriminated against by Citibank and my credit application has been denied on frivolous grounds. 

Despite repeated attempts at contacting them, and multiple phone calls to the call center, no additional information has been provided by citibank. Even visiting a citibank location to meet a personal banker has not yielded any fruit. The personal banker noted my complaint down and said that a case number will be mailed to me. However, I have not received a case number or a follow up call from the banker since.

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 2016-09-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I paid the full amount due on a credit card balance in mid - XXXX, 2016, only to learn after attempt to use card and being denied that the amount paid was received and deposited by Credit Card company, but never applied to my account balance. I have a copy of the check that was mailed, and marked as deposited by Credit Card company. 
I spoke with XXXX separate individuals from said credit card company, and they were not able to resolve even after providing all information from back of processed check by their Company. 
I was advised to FAX my details, along with CREDIT CARD NUMBER, to a number that did not accept, under the header " PAYMENT INVESTIGATION ''. I was repeatedly denied the ability to speak to someone personally I have XXXX FAX receipts that all indicate " no answer '' at number provided. Meanwhile, I have several " auto-pay '' accounts that this card was used for creating havoc and unnecessary work and stress to apply a separate card number for auto-payments.

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 2016-10-03
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.

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 2019-12-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation