BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account at Citibank. I updated the account on my vendor sites ( rent, utilities, etc. ) but kept getting notifications that my payment wasn't going through. After a few phone calls with Citibank, I realized that they had given me the wrong routing number. Unfortunately, that didn't help the fact that I had accrued several bounced check and late fees not to mention the many hours I spent on the phone trying to remove the fees when possible and talking to the bank to try and figure out what was going on. 

I also had trouble receiving direct deposits which is to say no direct deposits were getting into my account. After hours on the phone trying to figure out why my deposits weren't going through, ( talking to both payees and the bank ) no one was able to figure out why the deposits were not going through, so I decided to switch to a XXXX account. Everything was fine once I switched. 

However, I am still dealing with late and bounced check fees from my vendor sites. Citibank has told me they would open disputes on vendors that were charging me these fees, but that means I will have to keep my account open even longer causing even more confusion with my vendor sites. I really want to close the account and move on. 

The way I see it, Citibank owes me hundreds of dollars to cover my vendor fees, all the time I spend on the phone, and all the stress they have caused. Please 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 monetary relief
Consumer complaint received 2023-08-22
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Alliant Capital Management has repeatedly called several relatives and left messages repeatedly for several relatives and associates. I have asked them on XXXX separate occasions to cease and desist making contact with ANY third party regarding this matter and they still call and leave messages on my relatives and associates phone. They have my number yet I have not received a single call or voicemail. My family is being harassed unnecessarily because they have my phone number, email, and address and have not tried to contact me directly ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-09-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since my account from Bank of the West merged to BMO im not being abble to access my online banking, also I dont have SSN so the system doesnt allow me to fix this issue. 
So I nee to have restored my online banking access, I know my user name XXXX and also remember the old password.

And second need to open a merchant dispute for merchandize not received ( I dont speak XXXX by phoen and now BMO doesnt provide that service ) As I dont have access to my online banking I cant guss the exact date of the charge and also the specific amount in US dollars because the transactions was made in a foreign currency : 1 ) Around XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, International currency {$650.00} XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, international currency {$730.00} XXXX XXXX XXXX XXXX XXXX  These 4 purchases were made on the store, f ace to face but they didnt have on stock on the same store, so they will ship it from their warehouse to my mailling address on file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX 
The items never arrived, must be received on or before XXXX XXXX. 
I tried to contact them by email and phone calls to request the tracking number, delivery confirmation or any other shipment information without success, nobody respond. I start contacting them on XX/XX/XXXX. 
I cant go to the store now because im not on that city any more. I have the invoice and receipt that I would like to send to the bank to support my case.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility

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 2023-09-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I filed a complaint with the CFPB on XX/XX/2023 ( Complaint # XXXX ), the Company response XXXX was that they released the funds for me to withdrawal. In fact they have not, I have tried for the last 4 days to withdraw and they continue to hold the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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 used my Synchrony Credit Card to buy tires at Pep Boys, but instead of receiving new tires, Pep Boys installed used tires of XXXX different brands. This resulted in multiple visits to have the tires replaced, but they only added air instead of putting new tires. I disputed the charges for the tires multiple times, but unfortunately, I wasn't refunded the money I initially paid to Synchrony credit card after the dispute was completed. As a consequence, Synchrony Bank decided to close my credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
Lexington law forwarded my information for a disputed payday loan that was done fraudulently. They forwarded the claim after the expired statute and garnished my paycheck for an unreasonable amount. It was removed previously but when I canceled they retaliated and my credit has dropped. XXXX XXXX XXXX has been violating my privacy rights after opting out to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-08-22
Company: Nelnet, Inc.
State: NC
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 recently contacted Nelnet multiple times the past week. Firstly, my student loan was showing repayment to start in the year XXXX. I was told this was because of a borrower defense claim. However I contacted borrower defense and reviewed all paper work and these loans should not have been put into forbearance by Nelnet. I contacted Nelnet again and a supervisor stated that this was just an error and it should update. Now the payment date was 1 month later in XXXX when payments should not be in forbearance at all and should start in XXXX. 
I just opened up the mail from my mail box ( physical mail ) and found a letter stating that I requested a forbearance and that my due date is now XX/XX/XXXX. 
On all of the paperwork reviewed with borrower defense, I specifically asked for my loans not to be put into forbearance. 
Now regarding my most recent IBR plan request, I also specifically requested for any loans in Forbearance to start re-payment immediately. However I received this physical mail nearly a week after that request. 
I will not be responsible for any accrued interest that is capitalized due to this error on the part of Nelnet so please have this reviewed and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CAPITAL ONE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

CAPITAL ONE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I had a XXXX Visa XXXX card for traveling, i closed account last year until i returned to the USA and reapplied for my card, Comenity Bank Visa the bank has lied mislead and continue to lie and make false statements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Problem : On XX/XX/XXXX, I received a text to my cell phone asking to verify a purchase on a Bank of America credit card. ( see attached copy of this text message ) Facts : I do not have a credit card with Bank of America. 
I do not have an account with Bank of America. 
I have never had an account nor credit card with Bank of America. 

Attempted Resolution : I have made Ten attempts to contact Bank of America to resolve this issue. 
I have called all the 1-800 numbers listed on the website of Bank of America , but they are all automated and require a Bank of America account number to proceed with the call. 
I have not been able to communicate with anyone at Bank of America.

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 2023-08-22
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: AR
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 have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Old information reappears or never goes away

Complaint:
DATE OF INQUIRY. XXXX XXXX. XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2023-08-22
Company: SYNCHRONY FINANCIAL
State: FL
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 purchased items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time! 

I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault. 

I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor. 
The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal. 
Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim. 

Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the time.

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