BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: CL Holdings LLC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop this!

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 2022-02-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ITEM WAS NEVER DELIVERED OR RECIEVED. 
ACCOUNT INFORMATION ICRORRECT ( LOAN BALANCE, PAYMENT NOT CORRECT ). 
I DO NOT OWE NISSAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am on an in-school deferment currently, with a portfolio of unsubsidized loans, and I called my loan servicer Nelnet recently to make a payment on my interest, intending to pay that on a monthly basis in order to offset the amount that will be capitalized at the end of my deferral. The guy I talked to was adamant that it would be a waste of my money to pay the interest because he said the moment before it capitalizes when I finish school and end the in-school deferment, the federal government will pay that interest amount. I told him I have an unsubsidized loan, and he said it didn't matter, that the interest accrued while I'm in school would get paid, in the servicer 's words, " just before it capitalizes. '' It is my understanding that the interest on subsidized loans will be paid by XXXX, but not that on unsubsidized loans. He is either ignorant of that, or intentionally misleading me. I think it is also important to state that this individual was extremely rude and patronizing throughout our conversation, and simply refused to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: NE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a letter from Citibank dated XX/XX/XXXX that the dispute about the charges made on the card was closed and the charges totaling {$14000.00} will be rebilled to my account. Here is the copy of the letter I sent to Citibank on XX/XX/XXXX by certified mail. 

Citibank N.A. 
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX RE : Citi Card Account : xxxx To Whom It May Concern : I am writing to request you to reopen the investigation into my dispute with my AAdvantage Citicard Account Ending xxxx. 
I state that I have not provided the merchant with my account information and that my credit card information was fraudulently used at the merchant ( XXXX XXXX ) location in XXXX, South Carolina. 
This is a case of identity theft that has been perpetrated by individuals with the intent of stealing from the merchant using my identity. I am not responsible for these charges by criminals using my identity. 
As you will note from my record and profile with Citibank, I reside at XXXX, Nebraska and have lived at my current residence since XX/XX/XXXX. I am an employee of XXXX XXXX XXXX in XXXX. 
I was in XXXX, XXXX  XX/XX/XXXX on the day of the fraudulent transactions using my identity. I have not been a member of XXXX XXXX for several years, since XXXX. 
On XX/XX/XXXX my XXXX phone was fraudulently ported to another carrier which I reported to XXXX immediately on the night of XX/XX/XXXX. 
I was assigned a temporary phone number by XXXX, which was also fraudulently ported and XXXX issued another temporary number. It was several days before I received my original number xxxx after placing a porting freeze. 
I then received a letter from Citibank regarding the fraudulent transactions using ID theft at the merchant. I called Citibank immediately after receiving this letter and reported that I had not made these transactions. 
A dispute investigation was opened and Citibank issued a replacement card ending xxxx in place of card ending xxxx. 
Records will indicate that I have not used this card for several months. 
My credit score is above 800 as reported by three consumer reporting agencies. 
Please reopen this dispute investigation into this fraudulent use of my identity for criminal activity at the merchant. I will be happy to provide any information that would assist with this investigation.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted supporting documentation for a dispute on my credit report. The document had my name spelled wrong but was for the right account. Experian went in and changed my name to match the incorrect letter and is now demanding I provide a ton of documentation to have it corrected despite having done it with only 1 incorrect document. I have called several times, emailed, and filed a dispute and they keep telling me it is not their error, and they are justified in having done so without several forms of documentation or permission 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 non-monetary relief
Consumer complaint received 2015-04-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. 
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, My phone with XXXX stopped working on the XXXX and went into store to get the phone fixed on Tuesday the XXXX. I had a bill of XXXX on my account and this caused my phone to stop. They said since I exchanged my phone the day of the purchase my special plan changed from XXXX to XXXX. I worked on getting the phone fixed on Tuesday the XXXX without paying anything. Phone got fixed then two hours later my phone went bad again. Went back on Wed and they refused to fix my phone. Another bill was placed on my account. My wife, on the XXXX, ended up going to store where we purchased the phone and paid the XXXX and phone got fixed, this was due to my pin and security pin were wrong so only way to get phone up was to pay the bill. After getting my phone fixed another bill for XXXX was placed on my account and my phone was disconnected again. I have the bill attached below. While my phone was off someone got a passcode reset codes and used my XXXX on my phone and hacked into my XXXX email address and also got codes to my XXXX gmail account. They also got into my coinbase account and while in my account they pulled ACH Deposits from my checking account into my coinbase. With the money in my account and the money pulled from ACH they bought bitcoin and in XXXX days they took all my money in my account. Total loss of {$24000.00}. I need help getting my money back. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had an ongoing problem with Seterus Mortgage Servicer since XX/XX/XXXX regarding my escrow account, however XX/XX/XXXX, there was an error made in which to company attempted to charge me XXXX monthy for my mortgage, ( I have the letter ). Now after several months of going back and forth with misapplied payments and ultimately another escrow done XX/XX/XXXX, the error was corrected and my payment lowered from the real amount of XXXX to XXXX. I went to review my XX/XX/XXXX escrow again, it is not available for download, nor are any of my monthly statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX so I can verify the escrow amount during these times. 
This is an essential function and my understanding the law that these documents made available to me in a functional manner. I have consistently had problems with this company and any documentation. I do not want to have to consistently have to contact CFPB, XXXX or any other entity just to get my statements or escrow. 
I believe there to be a further issue but I am not sure of that at this time, it will require further review and may be something I have to cure, but I can not do that without the timely delivery of my documents. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank sent my checking account closeout check {$6000.00} via XXXX  to the wrong address and it was fraudulently cashed Citibank sent me the avidavid of forgery and other paperwork which I immediately returned to Citibank with the police report. It has been over a year since Citibank has taken my money. I demand Citibank return my money.

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 2022-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$510.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2020-03-04
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
hi my name is XXXX XXXX on XX/XX/2020 ace flare closed my account with out prior notice they cancel my account soon as i got a direct Deposit from ssi and from my employer and now i cant pay my rent they said they was going to mail a check and never did she waiting on them to do so call them alot of and still did not get no where they closed my account for no reason at all

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 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is simple. XXXX XXXX took advantage of my impaired husband and placed a {$1600.00} order with him. When he received a receipt by e-mail, and realized the mistake, he called XXXX XXXX twice. XXXX times the calls were escalated up the management hierarchical chain, but nobody would cancel the order. The meat was in transit for 6 days, all of the dry ice melted, and the meat browning. When I received XXXX large coolers of meat that was beginning to smell, I called XXXX XXXX ( no help ) and Citi Bank in order to dispute the charge. 
We were to have 30 days to respond to XXXX XXXX ' XXXX page response ( attached ). Citi Bank instead closed the dispute and added the {$1600.00} back onto our Citi Bank Credit Card before receiving our rebuttal.. 
Upon receiving XXXX XXXX ' letter, our dispute was removed from our accounts ' message board on the Citi Website. It could not be retrieved and the Citi customer rep could only tell us to e-mail Citi asking for the disputed information. 
Citi Bank had no intention of considering our response. The 30 days stated was purely perfunctory and cosmetic. It is clear that Citi would side with the merchant under any circumstance, and dismiss the cardholder 's response. 
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my cre

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 2022-02-28
Company: EQUIFAX, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: WILLOW BEND MORTGAGE
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see on my XXXX  report that on XX/XX/XXXX XXXX XXXX did a hard inquiry on my credit and opened an account. I have NO knowledge of dealing with Will Bend Mortgage nor have I opened any account. They say I paid a XXXX, XXXX, XXXX, XXXX and XXXX of XXXX payment and payments are correct and timely. There is a XXXX credit line of which XXXX is owed. 
I have never made any payment to Willowbend or XXXX XXXX or have applied for any credit with them. 
This is in correct information on my account and would like it removed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. Transunion does not have my consent to furnish this information regarding a charged off XXXX XXXXXXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.

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