BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT.

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX and XX/XX/XXXX asking that they be removed. Please note response should have been provided by date XX/XX/XXXX. I have not received report and Experian is over the time frame required to submit report to me. Please refer to the attached Experian XX/XX/XXXX dispute letter sent to them.

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 2019-12-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've contacted Nelnet via certified letter to request the original master promissory note to verify the loan debt is in fact mine. They have failed to provide the original master promissory note to me ( on multiple occasions ) with my signature and unable to verify that the student loan debt is in fact mine. 

The debt is being report late on all of my credit reports and requesting that the debt be removed from credit file since Nelnet is unable to provide this master promissory document thus unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-26
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My identity was stolen. And Direct Express has let people take my card. They call and pretend they are me and change address, phone number and email, I check and see the replacement fee and expedited fee and call immediately, then I get charged the same. Its happened over 10 times and I have requested numerous times for the fees to be reversed because they allowed it to happen. I want stolen money back to. I only receive SSI

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  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    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    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 2021-11-16
Company: EQUIFAX, 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 information incorrect

Complaint:
I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

Listing XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX Transunion and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.

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 2018-05-31
Company: Navient Solutions, LLC.
State: NJ
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 received delinquency notices for my account, however, I have been paying over the amount required of me. To submit a payment I click on their custom pay option, enter the amount I would like to pay, select all loans, then select direct over-payment to highest interest rate loans. My monthly payment due according to my monthly statement ( attached ) is {$860.00}. I have been paying {$1000.00} ( {$500.00} biweekly ) since XX/XX/. Before that I was paying {$1800.00} per month ( see attached payment history ). I should not have a past due amount. 

I spoke with customer service on XX/XX/ and they informed me that they would send my account to be reviewed for possible issues. I explained that if I am submitting my payment incorrectly please let me know and I will fix it. I was told that I am doing it correctly. They also told me they should be able to apply over-payment from some of my loans to cover the past due amount. 

I called again on XX/XX/ and was told that the past due amount is correct and that I have been under paying on my loans. I explained everything once again and was told that my end of the account is not showing a past due amount so there would actually be no way for me to know that there was money owed by looking at my account. I was also told that I am submitting the payment correctly and that they will have my account reviewed. 

I am submitting this complaint because I am not confident that I can rely solely on Navient to do the review and fix the issue. I want a record of the complaint and any assistance I can get. I wanted to avoid filing a complaint but Navient has been unable to help thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-

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 2017-06-02
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:
there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional email by Citi bank on XX/XX/XXXX which said I will be given a XXXX dollars credits if I use my Citi credit card to purchase XXXX dollars or more through XXXX in 2 months. I did as follows. But four months passed, I have not received my bonus.

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 2022-04-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a link and when I clicked they hacked my XXXX account and transfer money through XXXX now the bank wont take responsibility for 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 explanation
Consumer complaint received 2017-06-02
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. <P/> They have been calling my place of employment. They called today XX/XX/XXXX  and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Levy placed by State of NC on XX/XX/XXXX. Levy released onXX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX X 2. Bank seized both mortgage payment and car payment ( to Wells Fargo ), about {$1000.00}, causing both to be late. Branch Bank repeatedly passed the buck to Legal. Legal Dept is impossible to get on the phone, with wait times exceeding 39 mins for all calls made to them. Legal Dept has hung up when I started pressing the issue of withholding funds after the State has released them. As of XX/XX/XXXX they  have seized another {$680.00}. A branch banker in my hometown has a contact with Legal that told them if there was a medical emergency Wells would release funds immediately but that otherwise I was " XXXX ''. The XXXX is a quote from Wells. Contact also stated that Wells was prepared to release the hold on XX/XX/XXXX. This appears to be an arbitrary date for Wells convenience. When all is said and done Wells will have withheld approximately {$3000.00} for at least 10 days more than authorized by the State of NC.

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 2017-06-02
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im writing this letter to inform you of my effort to obtain a Sears Credit Card which has been denied because of my alleged history of delinquent credit. I have sent several letters expressing my disagreement with the denial, and have asked the approving authority,  Citicorp Credit Services , Inc.,   to reverse that decision based on the my attached credit report. Also see Citicorp letter attached.  <P/> The denial appears to be based on  two  charge offs from   XXXX   XXXX   XXXX   going back to  XXXX . See the attached  XXXX  Credit Report. I requested tha t   XXXX   XXXX   XXXX   r emove the charge offs on both accounts because I was making payments when  XXXX  claimed the payments were 180 days past due. See the attached document on payments.  XXXX  agreed in writing to drop one of the accounts, and sent a letter to the credit bureaus to drop the account. See the attached letters from  XXXX . I have no explanation for the difference in account numbers for the two charge offs accounts.  XXXX  and  XXXX  removed the  XXXX  charge off accounts, but  XXXX  did not as shown in my credit report as of  XXXX   XXXX ,  XXXX , page  7 of 53. I do un derstand that the charge  offs (  XXXX  or  XXXX  ) stay on your credit bureau report for seven years.   <P/> Even with the charge offs shown on my report, I dont see a history of delinquent payments.  Pages 5 of 53 and 6 of 53 s how that there were timely payments to a collection agency on the  XXXX  accounts, and eventually they were paid off.  <P/> I contend tha t Sears ( Citicorp Credit Services , Inc. ) w as not justified in denying me  the Sears Credit Card. Citicorp claim th at not having delinquent payments over the past four years is not as relevant as looking at the overall credit rep ort. Citicorp claim t hat an overall look at my credit report does not score a sufficient number of points for approval. This sounds contrary to being granted the credit to buy a car in  XXXX , to being granted an  XXXX   XXXX  card in  XXXX , and having sufficient credit to buy a  XXXX  timeshare in  XXXX .  <P/> I believe  Sears ( Citicorp )  is trying to hold me to a higher standard for credit card approval.   This denial of a  Sears  Credit Card sounds more like age/race discrimination given that Im a  XXXX  year  old  XXXX  military veteran.  <P/> I want you to investigate this matter and make some recommendations as to what I should do. This means requesting   XXXX   to follow up on dropping  one  of the   XXXX   charge off accounts and make an inquiry as to wh ether Sears ( Citicorp ) is justified in de nying me the Sears Credit Card.

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