BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
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 Account # 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 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 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been requested Capital One 360 provides the following information since the user agreement is spread around and we can not find the relevant information. 

If we do have disagreements, where we should go to solve the issues? Currently I can see the user agreement from the website indicates arbitration or courts, but I don't see the checking account dispute resolution. Please advice and send me the user agreement with related terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Marauder Corporation
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ok i sold a XXXXXXXX XXXX XXXX to a person in billings in XX/XX/XXXX that person didn't change the title work and spring of XXXX XXXX XXXX in Oregon tried to get me to pay the recovery bill of over XXXX so i had my insurance company fax them a copy of title that states ive not owned it since that time so they told me and my insurance company that i wasn't responsible for the bill..but today i get a letter from a collection agency in XXXX Utah collection XXXX XXXX # XXXX left messages for both companies to respond

Company response to consumer: Untimely response
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27
Company: BARCLAYS BANK DELAWARE
State: NJ
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 have more than a month I submitted by fax a dispute case number ( XXXX ) to Barclays Financing Mastercard, for {$9000.00} that I used with the card ending on XXXX to paid a tutoring service that never was rendered and at the end I realized was a fraud, I already reported to the FTC and also I sent to the Bank Barclays many faxes with all the documentation involved and necessary, as the emails I sent to the company requesting the services, Barclays contact me two weeks ago to do the investigations and I let them know the reasons and they just let me know that investigation will continue, after that I keep calling and there is not a phone number I can get contact with someone and explain me what is happening, after that the amount in dispute still on the account with all the interests while on my first letter I requested to be corrected on my statements since the amount is in dispute and also as a card member I have the right to be refunded for any fraud carried out on my account plus any interest I paid. No just didn't get my statements corrected Barclays also closed the account without explanation.

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 2023-05-23
Company: U.S. BANCORP
State: PA
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 applied for a credit card I received in the mail 0 % interest on purchases for 15 billing cycles and 0 % interest on transfers for 18 billing cycles. When I got my card it wash for 12 billing cycles for both purchases and transfers. I called on XXXX talked to XXXX explained what happened and she said she would fix it I would get new papers in 7 to ten days. I never received anything so I called again XXXX talked to XXXX. He said I had to prove that is what I was offered and I had to fax them a copy of it. I did. Waited then called on XXXX talked to XXXX explained everything he put me on with his supervisor XXXX he said they were looking into it .it was under review. Called XXXX talked to XXXX  and she explained that it not what I sighed up for. Now I have proof his is what I signed up for I have the papers. One time they are going to fix their mistake, then I have to prove that I had the papers. Once I prove it then they said thats not what I signed up for. I think this is a XXXX XXXX XXXX  all I want is 0 % for 15 billing cycles 0 % for 18 billing cycles. Thats what I sighed up for

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 2023-09-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with XXXX XXXX XXXXXXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/2023. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.

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 2022-10-12
Company: CITIBANK, N.A.
State: WI
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  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2023-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bill is due on roughly the 5th of every month. In XXXX, I made a payment on the XXXX and another one on the XXXX. The one on the XXXX was for the amount due on XX/XX/XXXX, and the one on the XXXX, made after the previous bill was due, would then be for the amount due in XXXX. Best Buy applied both of these payments to the bill due on XX/XX/XXXX, and then charged a late fee, and potentially interest on the " unpaid '' amount that was due on XX/XX/XXXX. I have called them, and spoke with a rep named XXXX, and they can not assure me that the late fee would be waived, and have said that they can not apply the payment from the XXXX to the bill due on XX/XX/XXXX. I have made payments on time every month, including for the one due XX/XX/XXXX, and I believe that this business has not acted ethically even though I have upheld my responsibility every month. Additionally, they have said that this could affect my credit score, which seems completely unethical considering they've received their payment already. Additionally, I have paid more than the amount due each month. This business needs to be held accountable so they are not allowed to do this to other customers as well.

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 2023-11-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX apartment investors/ and Fair XXXX XXXX XXXX XXXX Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

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 2023-10-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS 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

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 2020-02-04
Company: Applied Data Finance, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a mother of 4. During a hard time, I took out an {$8400.00} loan from Personify Financial on XX/XX/XXXX. The original interest rate is 78.69 %. 36 month term. I have paid to date {$8500.00}. Only {$1500.00} of those payments have gone to the principal balance. The other {$7000.00} have gone to interest. I am on an automatic payment plan bi-weekly. {$260.00} comes directly out of my bank account every 2 weeks. I have never been late on a payment to this company. They offer a 3 % interest rate reduction for every 13 payments. My interest rate is currently 71 %. This is a predatory loan. This is unethical. This company is charging exceptionally high interest rates. I have paid OVER the amount that I asked for. At this point, I am throwing money out the window. I can not afford this any longer. I have called numerous times demanding supervisors, and nothing has been accomplished. I offered them {$500.00} more to close out my loan. Which would put me over {$9000.00} out of pocket when I only financed {$8400.00}. IF I pay this loan until the maturity date which is XX/XX/XXXX, I will have paid them OVER {$20000.00} for a {$8400.00} loan. This is absolutely 100 % predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Navient Solutions, LLC.
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:
Navient continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated XXXX parties. Navient continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: National Credit Adjusters, LLC
State: MO
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 original debit was with XXXX XXXX then sold the debit to National Credit Adjusters. On XX/XX/21 National Credit Adjusters agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX  and XXXX  arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation