BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a Macy 's Credit card since I would receive a certain percentage off my total balance in Fall XX/XX/XXXX. After making that initial purchase, I made my first payment when I received the bill. Knowing my credit limit of {$800.00} was at around {$600.00} now, I tried to make a purchase of around {$200.00} for new work clothes that I needed. The purchase went through online, but later I received an email from Macy 's stating the purchase was canceled. I tried it a second and third time with the same issue. I called customer service to speak with someone about it. Spoke to three different people. Each person couldn't tell me what the issue was with the account. The third person was lying to me telling me my available credit was at {$0.00}. I told her I was looking at the available balance while speaking with her and showed an available balance around {$600.00}. She said I was incorrect because of the purchases on the card. However, I explained to her again that ALL PURCHASES WERE CANCELED BY MACYS SO THERE SHOULD NOT BE ANY CHARGES BESIDES MY INITIAL CHARGE. She put me on hold for 15 minutes then came back on stating I was correct and asked which purchase I would like to keep because it would ABSOLUTELY go through this time. She gave me a confirmation number and then 10 minutes after hanging up the phone, I got the cancellation email for the purchase AGAIN. So, I called them back angry demanded my FULL PAY OFF amount and to close my account out. They told me my full pay off amount was {$99.00} and some change. I told her I would be mailing a check that day for that amount and asked 3 separate times that after this last payment there would be no other charges. I was assured that it would be only payment I would have to make and that the account was then closed. Fast forward to XX/XX/XXXX, I received a bill for {$10.00}. I called, received no one. Moved and forgot about it until I got my updated credit score. A drop of 88 POINTS BECAUSE OF MACYS. I am beyond angry in regards to this matter. I was told everything was taken care of multiple times, that my card was COMPLETELY paid off, and here I was MONTHS LATER being told I owe {$10.00} with an 88 point drop in my credit score. I paid the now {$12.00} due to interest on this ridiculous card and my score only saw an increase in 16 points. Even while paying it, I wasn't informed on what the XXXX XXXX was or why I received it even when I asked. How can they get away with this? How many people have they done this to? I only had the card for 2 weeks due to their XXXX customer service and will suggest that absolutely NO ONE gets a macy 's credit card or they'll be suffering this 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 2020-10-10
Company: LEXISNEXIS
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 am a victim of XXXX  identity theft. Some men got my social security number and used it for years. I was married 34 years and never paid attention to my credit file because my deceased wife started all our credit needs. She used her ss # and I came in and signed the paperwork to pay for everything. Until after she passed away, I felt I was getting credit also. After she passed, i went to buy a car nd was told my credit was very bad. I denied it and said we always paid our bills on time. I saw my credit report and there were almost 30 negative accounts on my file, as well as a few names and different states. I had to go to the police and file a report. The police said I was XXXX  and had a XXXX  for my XXXX. I denied it but the police said I had been. I got my info saying I had used an alias. I denied that, but none of the police believed me. They took my fingerprints and they did not match against the identity thief. The FBI said I could change a lot of things, but could not change my fingerprints. I was exonerated. Now, in getting those fraud names and addresses of my credit files has been a nightmare. The CRA 's breaking the law, outright lying to me. Also, some reps at the CRA 's told me things that would be finished by certain times, did not do it then end up ignoring me after repeated attempts to contact them via phone call voice mails, and emails. The law under 605B of the FCRA gives the CRA only 4 business days to correct the fraud items off my credit file.

Needless to say, those 4 days have come and gone. 
LexisNexis is the specific entity to say one thing and not perform and making their words lies and I am still harmed irreparably. To be lied to like this is very disheartening. Fix it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Problem with personal statement of dispute

Complaint:
A few days ago I place a disputing with Equifax and XXXX into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my permanent XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MN
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 have an account in collection still that I paid off last year. I have disputed this account several times with Experian and they keep stating that the account is valid. 
Date recently disputed was XX/XX/2021. I submitted evidence as well with the dispute. I disputed with all three credit bureaus and the account was removed except for experian. The amount is for {$260.00}. I am also working a credit repair company who has been disputing this item as well with no results changing.

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 2021-11-29
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has called me several times over the last week during working hours. 

When I called them back and asked who they were as the caller ID was showing up as potential scam, the man on the phone cut me off, said POTENTIAL SCAM?!, interrupted me, explained I have a debt to pay and furthermore explained I must trust him and respect him. I do not know this man, I was not given written notice about debt, I was not given notice about my right to dispute the debt. 

I asked for proof of debt ownership and they responded that they will email me but I require written proof, as per law. 

Harassed me, caused emotional turmoil and hung up on me in a later phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: LEXISNEXIS
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:
I requested Validation of an account being reported by Lexis Nexis. I have information from the original account holder that states they have never given any of my information personally to Lexis Nexis or any other data furnishing company. I sent Lexis Nexis a validation letter on XX/XX/2020, which they received on XX/XX/2020 certified mail. I have not received any mail from them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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:
This accounts are unauthorized and need to be deleted immediately. I have repeatedly requested for these accounts to be deleted. This company is in violation. I am in litigation and by law these accounts must be deleted. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company placed a collection account that was result of identity theft and I previously notified them of such, but they are still attempting to collect on this fraudulent account and placed it on my credit report. Despite me advising them that it is identity theft. I have I have included an additional identity theft affidavit that I recently filed to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: CA
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/18 I was looking for new auto and renters insurance online. I found auto insurance for {$800.00} on XXXX  online. I purchased it but when the purchase went through it was {$1200.00}. I called them right away ( in less than 5 minutes ) and cancelled the insurance. I also told them that it was a horrible way to treat the public. The renters insurance was going to be in a bundle, but the insurance never went through and till this day I am getting emails to finish my purchase. The insurance agent could not even find it in the system. I told XXXX to make sure my card wont be charged. XXXX said they wont charge my card. 
XXXX charged my card the same day for {$360.00} for auto and {$44.00} for renters insurance. XXXX  does not refund my card and Wells Fargo allows XXXX to charge my credit card without my permission. I talked to Wells Fargo 3 times and exchanged emails with them. They said that it takes time to revise the charges. It has been over 1 MONTH ago, and the charges are still on my card and now Wells Fargo wants payments. 
The XXXX XXXX fine Wells Fargo got a month ago was not enough for the bank because they still defraud customers! I called Wells Fargo the same day and explained them what happened. They still let the charge to go through.

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 2020-01-29
Company: M&T BANK CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2019 opened an account with MTB Bank. I was able to successfully open the account and also make 2 small  deposits totaling XXXX cents from my other bank institution so they can verify the deposits and allow me to make transfers back and forth. 
My account was immediately locked by MTB until they received a copy of my ID and social security card. I sent a fax with my prior year tax returns and a copy of my license but MTB said they needed a copy of the actual card ( I lost it ). 
I am trying to close my account as I haven't had time to obtain a new SS Card and MTB is telling me they can not close it because it has a balance of XXXX cents. The problem is I can not withdraw the XXXX cents because the account is locked. In addition they have been charging me service fees ( without my knowledge ) without even being able to access or close this 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 2019-03-12
Company: EQUIFAX, INC.
State: IL
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 sent a complaint by United State postal certified mail ( Equifax complaint # XXXX ) and through your system XX/XX/2019 ( complaint # XXXX ). There is still and item on my report that is pending and its been over 40 days. You sent me a confirmation that you sent the request to Equifax on XX/XX/2019 and Equifax even responded that they received the request on XX/XX/XXXX. However one item is still on my report : The account that should be deleted is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
On XX/XX/XXXX I sent my final letter to Experian letting them know that there has not been a physical response nor investigation done on the multiple dispute letters that were being sent regarding various accounts on my credit report. Letters were sent XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is ridiculous and unfair that you can not get any cooperation regarding negative and inaccurate accounts on my credit report. Such as XXXX XXXX XXXX showing a past due {$5400.00} This account was paid off by insurance company and covered by XXXX XXXX also due to being loss in hurricane. XXXX XXXX XXXX  a collection showing {$750.00} past due. To my understanding my information can't be given to unauthorized third parties. XXXX XXXX  XXXX is reporting inaccurate date of last activity and {$1600.00} past due that I do not owe. XXXX XXXX collection showing {$680.00} and inaccurate date of last activity. XXXX XXXX show {$570.00} past due. It's to my understanding that a collection can't report a past due amount! Correct me if I'm wrong!

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 2020-12-04
Company: ALLY FINANCIAL INC.
State: MI
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 made 3 separate purchases with my card from ALLY bank. These were all from the same merchant XXXX XXXX XXXX. The first purchase was for {$570.00} on XX/XX/2020. The second purchase was for {$2100.00} on XX/XX/2020. The third purchase was for {$2900.00} on XX/XX/2020. These purchases were never received or even shipped out. I was billed for merchandise I have never received. Under the Fair Credit Billing act, I am legally allowed a reversal of the charges from these funds since I have never received them. I opened a dispute with my bank ALLY and they never allowed me to talk to the dispute team one time to explain my situation. They denied my dispute and did not give me any funds back. I was unfairly billed for merchandise I have never received. I contacted the merchant several times and was only given a response one time. The merchant said " We have responded to your dispute in order for you to win what is a valid dispute. '' Ally then sent me a letter a month later in late XXXX stating that a refund will not be given. I have been trying to call Ally for a month now in order to reach the dispute team but have failed every time. I have taken all the actions necessary to win this dispute. Ally is not helping their customer at all. I would really appreciate if someone else could step in and investigate. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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 have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2017 my credit report shows a hard inquiry from XXXX/XXXX from XXXX Florida..I never applied for any credit with them I called the number listed on the report and I spoke with a same who states they do not even offer credit for airlines? Please is there anyway I can have this removed from my credit?

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 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH BANK OF AMERICA I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING XXXX ( XXXX ) ENTITIES # XXXX ENTITY : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE XXXX CASE NUMBER ( FILES ) XXXX XXXX XXXX AFTER XXXX YEARS OF LITIGATION HAS AN XXXX JUDGMENT AGAINST SAID ENTITY. 
ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST. 

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS

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 2021-02-12
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Loan was refinanced away from Exeter finance to my own private credit union, XXXX XXXX. Exeter sent a letter to the dealership directing them to send my refunds for both gap insurance which was for {$790.00} and XXXX  XXXX insurance in the amount of XXXX be sent directly to them. They from the gap insurance refund deducted {$82.00} from that check which they sent out to me and from the XXXX  XXXX insurance deducted {$36.00} from that check and for no good reason holding that check until XX/XX/2021 in case as they say something else come in on the account even though the account is closed and paid off.

Company response to consumer: Closed with explanation