BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Please see the attached letter that I have sent to Macy 's Dept Stores, after I received what I consider to be an inappropriate dunning letter. 
XXXX XXXX, XXXXMacy'sXXXX XXXX XXXX XXXX, MO. XXXXRE : Form of Massachusetts Debt Validation NoticeAttached is a letter I received from your offices. I tried calling the number ( XXXX ) several times to speak to someone live, but that was never an option. I am contacting you because your letter is very inappropriate and upsetting to me. For an amount of {$27.00} you are sending me a threatening dunning letter, that says in part, " If you or your attorney notify us ... '' and then requests XXXX types of information, such as " A copy of any judgement against you regarding this account ''. As you will know by now, a payment was made that resolved this issue. This account is paid automatically from my XXXX XXXX XXXX account for the full amount due every month. In this case the amount was above my self-imposed limit, which is a safe guard against excessive or fraudulent charging. I have attached my statement from XXXX XXXX XXXX showing payments to Macy 's from XX/XX/XXXX. 

I request a letter from you confirming that this issue has been resolved, and it did not in any way effect my credit rating. 
Send to : XXXX XXXX XXXX XXXX, MA. XXXXCc : Consumer Assistance OfficeMassachusetts Division of BanksXXXX XXXX, MA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: DISCOVER BANK
State: CA
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: Problem with personal statement of dispute

Complaint:
1. Discover Credit card opened XXXX XXXX. XXXX without my permission. I realized this fraud opened an account in XX/XX/XXXX with a notice from three credit bureaus about delinquent status.

2. I also got the mail from the PBI that there was a data breach and my information belonged to this data breach accident.

3. I sent all of the evidence to three credit bureaus and a Discover card company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But Discover still remains on my credit files. 
The three credit bureaus noticed today that the Discover card was not accepted delete this fraud account with charge-off status. 

XXXX. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX in XXXX. I lived in XXXX, XXXX. I moved to XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I received a " Chase Fraud '' text message alerting me that the bank had declined a {$2000.00} charge and they asked if I had made the purchase. If I responded " no, '' the text explained, they would close the current card and send me a new one. I called Chase and let them know I had not made the purchase at *A-American, along with additional charged in the amounts of {$10.00}, {$400.00}, {$2400.00} and {$8900.00}. The rep assured me not to worry ; they were " closing '' that card number, issuing us new ones and investigating the matter. Then, on XX/XX/2022 the next communication I received from Chase was a letter informing me that I was being held responsible for the $! 0 and {$2400.00} charges as I had " received benefit from the transaction. '' When I called the next day, I was told that their " investigation '' determined that we had made a purchase, as they had an invoice with " matching information. '' This information was my husband 's name, my email address, my cell phone number and our home address. 
I asked for the contact information for the business in question and was provided with an address and a phone number. The address turned out to belong to our local electric utility, not a private business, and when I called the phone number it only gave a recording with instructions about how to report an outage. 
Follow up phone calls to Chase provided different information. I was given a new address and phone number, both belonging to the real XXXX XXXX, which is a company not in our area. When I called them and spoke with their billing department, I was told they had no record of my husband, me or any of our contact information. They also did not have any record of any transactions for the amounts Chase was quoting. 
I filed a police report with the XXXX XXXX Police Department and the detective who was assigned the case had already called the company before I had ; he got the same response as me. 
I have filed an appeal with Chase and requested copies of the " invoice '' upon which they are basing their investigation ; they will not, however, tell me how they acquired this invoice as both of the phone numbers and addresses are not valid. 
Today, I received a follow up letter from Chase informing me that their " latest review conforms the previous finding that the transaction is valid. '' " The transaction will remain as part of your account balance. You're responsible for paying the amounts on your account. '' We did not receive ANYTHING from the fraudster who is using various addresses and phone numbers as fronts for theft. Someone is stealing {$2500.00} from me and Chase is complicit in this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: KS
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Navient Solutions, LLC.
State: CA
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:
Navient, our loan servicer continues to misapply principle/interest. Some months they will apply XXXX dollars to principal and put everything towards interest. Our loans are a fixed payment each month and we have made every payment on time or ahead of schedule. The principal portion of the payment should be increasing each month as the balance decreases. In the last two years our principal payments have ranged from XXXX to {$240.00} and are vastly different from month to month. I have tried to get Navient to explain this and/or correct it, but have not been able to get a response from them. Our normal loan payment is {$400.00}. Since the loans originated in 2013, we've made payments of {$31000.00} of which {$10000.00} was applied to principal. Our original loan amounts were {$24000.00} and {$33000.00} for a total of {$57000.00}. Our current loan balances from Navient 's web site this morning are {$20000.00} and {$27000.00} for a total of {$47000.00}. 
I filed a complaint back in XXXX, but Navient refused to respond to your inquiry stating that my name was not on my wife 's loan. Navient has assured us that my name is in fact on the account and they should have no issue responding to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've tried for 5 months to get in contact about resetting my nelnet account waited hours on hold and sent dozens of emails. The website says they can't find my account even though I have emails stating the confirmation of account creation. Loans are due to start repayment this month and I have received no information or help and risk not being able to pay my loans because I can't access the account with my repayment information. I have tried resetting passwords, usernames, called 5 times, emailed dozens. No one will talk to me or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NV
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  This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Menards Big card to receive 0 % financing on a purchase I made on XX/XX/XXXX. I made the purchase and selected 0 % for 12 months on my order. When I received the bill from capital one I was unsure if the promotional financing applied because it wasnt clear. I contacted capital one on XX/XX/XXXX and they submitted a request. They said it would take 10 days to process. I asked what I should do in the meantime because I needed to make a payment on XX/XX/XXXX. I was told I should at least make the minimum payment which I did. After making the payment I received notice that my request was denied. I contacted capital one again and was told they would process another request and requested I contact Menards. I filled out a request online for Menards and they gave me info to contact capital one. I then called Menards XXXX Michigan location on XX/XX/XXXX and talked to the front manager XXXX or XXXX. They got all of my information and told me they would call me back by XX/XX/XXXX. This never happened and I have been unable to get ahold of them. I can not find other contact information from Menards and I have not received further communication from Capital one. As a result of this I have received finance charges over 2 months for what I though was the 0 % special financing that I selected on my order. To add to the confusion if I hadnt selected 0 % financing I was to receive an additional rebate instead. When I questioned capital one about this on XX/XX/XXXX I somehow received notice within 2 hours of the conversation that I was getting a rebate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: TN
Product: Credit 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:
In XX/XX/2023 I received my first bill from a Citibank AAdvantage Credit Card ( last XXXX of card XXXX ). On the bill there were XXXX charges of {$5.00} from XX/XX/XXXX and XXXX charges from XX/XX/XXXX for {$5.00} to a XXXX XXXX XXXX XXXX XXXX. I immediately reported these charges as fraud and closed my account. Since then, I am still receiving bills from Citibank claiming I have a past due amount and late fees totaling near {$100.00}. I have filled two more fraud reports on the same issue, first one on XX/XX/XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX Citibank is still sending me bills without letting me know anything about the fraud report that I have filed 3 times now.

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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am not a company. I am an informed consumer filing on my own behalf. 
***See Attached***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never been presented with any affidavit that would provide validity to this assessment, and its my understanding and belief that no such paperwork exists. Every account noted has failed to provide complete accounting of charges from records of all accounts. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Experian have failed to delete even though the alleged creditors have failed. 15 usc 1692g HARD INQUIRES EXPERIAN XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX, XXXXRemoval date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Important dates Inquiry date XX/XX/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 2019-09-07
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with 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. 

We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file. 

All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC.

Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt. 

We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft. 

We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them. 

We have attached the compliant against XXXX XXXX XXXX and our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I consolidated my FFEFL loan with NELNET in XXXX in order to take advantage of the new XXXX XXXX repayment plan as advertised, after being advised by NELNET I'd be able to lower my monthly payments and repay or have my loan dismissed sooner. 

Now I may not qualify for XXXX or will I? I have been on the phone for XXXX hour and XXXX minutes without speaking to anyone. This is the 7th time I have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: W&A Intermediate Co., LLC
State: IL
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:
On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them. 

My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, 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:
I submitted a dispute online to XXXX regarding several the XXXX times XXXX XXXX of CA is on my credit report. XXXX never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.

Company response to consumer: Closed with non-monetary relief