BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was in XXXX and was looking to purchase a phone. I showed the merchant the phone i was interestednin-merchant requested my passport a crerit card. He went into the back and when mercant returned he said the display phone wws last one. I asked for the box, merchant said it did not have one. I took battery out of phone and saw imei number scratched off. I told merchant i was not interested. I asked that he reverse the charge he made on my credit card. Merchant refused. I called credit card company while still in the store and was told to just leave abd dispute when i returned to us. I submitted dispute to citibank who reversed charge. Approx two months later the charge was reinstated. I again submitted a copy of a phone i did purchase at diff store one hour later that included phone number and description of phone, imei no, return policy etc. Citibank responded that merchant submitted receipt, yet as i told them merchant ran my credit card prior to telling me the phone was not new and likely stolen. I told citibank that merchant did not provide me with receipt that included phone number, type of phone, and my name which was registered with phone number. This is required wheb purchasing a phone ib a different country. I stated to citibank all they beed tondonis ask for phone number and proof that phone was registered under my name or fimply call number to see if i answered. Citibank has refused. This has been going on since XX/XX/2015. i returned to the XXXX to speak rith merchant. The store no longer exists. I submitted pictures and a signed affadavit from the manager of the hotel i was staying at. Citibank dismissed my proofs. I told citibank that it was illegal to purchase stolen merchandise with citibank credit card. Despite all of this, citibank has permanently reinstated charge to my account and reported it to XXXX credit reporting agencies. Bc I wasnone of the individuals whose fbi background check iinformation was stolen from the us office of public management, I reached out to them. They topd me i should retain an attorney. I canbot afford an attorney, nor will i pay for something i did not receive simply bc citibank XXXXtinues to threaten me with delinquency. The fact that merchant 's store webt out of business, it is unclear how thry are verifying merchants account of this purchase that nuver happened.

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 2016-11-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CL Holdings LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When I was enrolled at XXXX XXXX, I was told the the loan would be used for only credits/time used. I was also told that I would only be responsible for the loan after 6 months of attending school ( if I did not complete my degree, OR 6 months after graduation. I was charged for multiple semesters although i did not graduate and I did not attend school for 6 months. Therefore I was over charged on my loans, which has negatively affected my credit scores and ability to get any other loans in the future. I was mislead, cohersed and lied to about these loans. I can not afford to pay them back, which is why I decided to drop the courses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Comerica
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a direct express account where my ssi an ssdi goes in. I tried to contact them for a week and they keep hanging up on me. I also tried to call and text the two companies that charged me and no response I feel its a fraud company and I dont want them to hit my account again. The amounts are {$82.00}, {$34.00}, {$72.00} and it was taking out on the XXXX on the XXXX of XXXX XXXX and the companies name is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company Santander Consumer USA are theives and liars. They rip-off the american public. IF YOU RESEARCH ON THE INTERNET ie Rip-off report and XXXX in the XXXX area or nationwide area you will see THOUSANDS of complaints for them.!! They charge outrageuous fees, extend installments, repossses your car even though payments are made!! Goes on and on. READ ALL OF THE COMPLAINTS ON THE INTERNET & gt ;!! Something has to be done about these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-06-29
Company: Central Service Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bills jus harassment phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I wrote to Transunion asking to verify items on my credit report that were inaccurate, incomplete and incorrect. On XX/XX/XXXX I received a letter stating that they don't believe i sent the letter. ( Stall Letter ) Upon sending my dispute letter to Transunion I attached a copy of my Identification as well as a piece of mail to verify my Identity. My concerns about my credit report were completely ignored. An attempt to even investigate my concerns was not completed. Section 611 ( a ), states that failure to investigate these items within 30 days is grounds for immediate removal. According to the the FCRA all unverified accounts must be removed.I demand these accounts be deleted immediately or a small claim action will be taken. Seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX/XXXX  acct # XXXX, XXXX/XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # 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 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 2019-12-09
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: Account status incorrect

Complaint:
On XX/XX/2019 I sent a package to Experian notifying them of an issue on my credit report showing 3 ( 30-Day Late ) payments on my current account with XXXX XXXX which is inaccurate. I sent a full package including my bank statements as proof of the inaccuracy. In turn, I was informed by the Bureau that this information I sent was invalid and the lates would remain. I then contacted XXXX XXXX and the Accounting Rep XXXX, told me to contact Experian. I explained to the Rep that I did and was unsuccessful. He stated there was nothing he could do to rectify the issue and the system inputs the late 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 explanation
Consumer complaint received 2016-07-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XX/XX/XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing. A rep by the name of XXXX I believe the name is stated they reached out in XXXX which I have no record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed  a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report. 
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. 
I HAVE NO WRITTEN CONTRACT WITH MY SIGNATURE STATING I OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Called old family members threatened them and advising they XXXX to pay XXXX XXXX 's debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citi bank hired a collection agency and an attorney to collect a debt which I was trying to get one of simple rights in the process which is to validate the debt since XXXX of 2021 all three Citibank, the collection agency, and the attorney could not produce the above validate nor they communicate in any manner a way to resolve that issue, they simply took advantage of credit agency reporting a negative mark on my credit that reflected in higher interest any way I turn for credit if at all granted without the right to do so to me. 
As attached documents display the what I was getting form all parties simply circling me around between all three. And finally, Citibank when last year was pushing me to contact the collection agency and the attorney, but now we reached to a point where the collection agency and the attorney returned the file back Citibank, so I contacted Citibank again after the initial contact with them made last year, only this time I contacted Citibank by an official letter as you can see in attachments to verify the debt, but Citibank ignored the matter altogether as you can see the letter with certified mail I sent them on XX/XX/XXXX to verify the debt.

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 2021-11-14
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Have been seeing my social security used in XXXX couple of websites and also loans that I havent even applied for thank you have XXXX great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Account information incorrect

Complaint:
The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) XXXX XXXX  : {$3400.00} - XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.

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