BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I paid off my Macy 's credit account with a money order for {$350.00} at the XXXX in XXXX CA in XXXX. The payment was processed and the employee kept money order and placed in drawer. My Macy 's statement comes XXXX XXXX, 2016 and upon close review, the payment I made with certified funds was reversed and interest charges attached to my account in the amount of {$10.00}. At no time has Macy 's ever notified me of an issue with the money order, no letter in the mail, no copy of the money order used. When I called, they tried to put the duty on me to prove the payment went through. I informed her that without a copy of the money order, I 'm not able to go to the bank and do anything and that they had an obligation to let me know of the issue 3 months ago when the payment was made not 3 months later by reversing the payment and charging me interest. It seems to me that Macy 's is in the habit of waiting an excessive amount of time and are not notifying consumers when issues arise with the payment. In this case, I explicitly asked the Macy 's customer service representative if they take money orders and stated yes and processed the payment and handed me a receipt. Based on this experience, who knows how may other consumers they have pulled this slight of hand and are charging back interest on purchases people believed to have been paid in full.

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 2022-11-16
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of 1995 are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20 day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
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:
Chase has furnished a hard inquiry on my credit report without my written consent. Also credit is my RIGHT. I can not be denied my own credit. A letter was sent in and was received on XX/XX/2022 at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: LEXISNEXIS
State: MO
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 XXXX XXXX am requesting the method of verification of that Lexis Nexis used to verify bankruptcy case number XXXX. 

I have contacted XXXX and they, just as the US Bankruptcy courts state that they DO NOT provide verification of any court cases. The personal information on said case number DOES NOT match my personal information, yet Lexis Nexis continues to verify the erroneous information. Also, according to Lexis Nexis records and their response to my previous complaint CFPB CASE # XXXX, I contacted the LexisNexis Consumer Center directly on XX/XX/XXXX to dispute a bankruptcy record and request that a security freeze be placed on his Lexis Nexis file. This information is completely erroneous because the above mentioned case number was filed in XXXX of XXXX as stated by XXXX. LexisNexis has also stated that the bankruptcy investigation was resolved on XX/XX/XXXX, but again this is impossible because there was no case filed on or before said date. 

Again, according to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX also states that I, XXXX XXXX, must give written permission to Lexis Nexis to access, sell and/or distribute my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Lexis Nexis written instructions to report this information according to the law above. By reporting said information Lexis Nexis is in violation of section 604 by asserting this false and erroneous report. 

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

Under the FCRA, XXXX, XXXX XXXX, have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 

As of XX/XX/XXXX I have requested the description of procedure used to determine accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Nelnet, 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:
Nelnet is on a cease and desist and they keep contacting me via phone and mail. I spoke to an account manager yesterday and she said that's it's the law to reach out to me. I told her she is in violation of my consumer rights she said not she is not she that the telephone consumer protection act gives them right to break and violate 15 usc 1692c ( c ). I am looking to fill federal charges on nelnet and the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The transition from Peoples to M & T Bank nightmare. Should never have been approved by the Fed. 
Contrary to what they M & T told me/us as my Peoples debit card would work until the XXXX of XXXX, it was declined around 2 weeks prior shopping for food, gas etc... 
I called the # from emails they sent if you hadn't received your debit card and my phone died after a few hours. Tried a few days in a row until i called a # they had on their inaccessible website ( at 1st ) and complained to a women from the loans dept I think who had one sent to me days later. It didn't work until a few days. 
With Peoples Bank I had bank to bank transfers set up and they it should have stayed the same during the transition but wasn't. I have attempted to set it up again at least twice where my other bank would send 2 ( under {$1.00} amounts deposited to my M & T account. I was maticlus on the routing # s and acc #. Nothing shows in M & T. The other bank have sent me 2 emails claiming success in sending the now 4 different amounts. I went to the XXXX branch on XXXX XXXX and they just said they dont see any deposits. I tried in XXXX and XXXX. The IRS sent me an Email saying they will be mailing my tax refund due to no acceptance at the bank I had chosen. Pretty it was Peoples since the other bank is where I have my SS checks sent to.There is a web page on XXXX called " M & T Bank XXXX a place for victims '' with more sad stories. I suggested viewing it to the the senators Email I responded to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 12 days ago ) XX/XX/XXXX Dear Information for an account at another financial institution was recently entered into our home banking system. Trial deposits of less than {$1.00} into this account have succeeded. Please check your statement to find the amount of these deposits, then log into our home banking system and click the verify link next to the newly added external account. 

There is another same email from my other bank also from earlier last month. 

My account had an amount in RED text, I tried paying. It has a minus sign in front of it and I still have no clue as to why, after calling and speaking with a supervisor last week. I t wouldn't let me pay and deducted from my overdraft line yet I was told it was not being deducted. Sigh.

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 2017-02-18
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am being charged {$260.00} a month to pay off my student loans. When I total the amount owed per month for each of my loans, the total is {$240.00}. I called the company FedLoan Servicing who manages my loans and asked why there is a discrepancy. They said that I had overpaid what I owed in recent weeks, which is true because I made a lump sum payment, and that the lower monthly payment amount is due to that. I was told by the customer service representative that the lower monthly amount of {$240.00} would n't become enacted or kick-in until some time in 2019. She asked me if I would like to have the lower payment amount kick-in now instead ... all she would have to do is submit a request to have that changed. I answered " yes of course I do n't want or need to be paying you more than what I actually owe! '' They seem to be making extra money off of me by charging me more than what I actually owe per month. I have discovered multiple deceitful practices by this bank/company since they have been managing my federal loan repayments over the past couple of years. If I had n't noticed this, I would just have paid them extra money per month for at least two years unnecessarily. Unacceptable! As a result, I am choosing to pay off my loans sooner just so I do n't have to deal with this company/bank and to limit the amount of interest they can collect from me. Why are they allowed to continue to deceive their costumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent items distress my XXXX XXXX. They should be complying with the FCRA guideline section XXXX but I think they are unmindful about this matter. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2016-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car repossession on XXXX XXXX by Capital One auto Finance. I 'm trying to get my car back and paid made a {$1300.00} payment which I was told I needed to make a payment of {$2500.00} to get the car back. I could make this in payments. I spoke with a rep on XXXX XXXX and was told I would then need to pay {$500.00} my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of {$1300.00} and we ended the call. Only to find out on XXXX XXXX from the XXXX XXXX XXXX where my personal items were cleaned out of my car that my car was being sold on XXXX XXXX. I made a call back to the Reinstatement department and was told by a XXXX XXXX who was beyond rude that why ca n't you pay your car not you have been late 21-times. We all have hard times you did n't know you got a email before talking to him there was a young lady. Who ask if I was told about a email I was not told by the rep on XXXX XXXX there would be a email coming where the sale date would be moved up due to the extentsion being offered to me. Nor was I told about the Loan modification program that the {$1300.00} could be used as good faith payment toward getting my car back. So now I 'm being told they will not except my {$1300.00} as good faith payment to get my car back. When I have been given incomplete information through out this entire process with Capital One Auto Finance. That this program of Loan Modification, a good faith payment is not really to help the consumer. It is only to see how much more money can you come up with. After speaking with several rep 's and a few were really nice and did n't make me feel like a XXXX. But the ones who did the man on XXXX XXXX, a XXXX , XXXX on XX/XX/XXXX, young lady name XXXX on XX/XX/XXXX were awful rep 's. Life happens to us all at some point and time but I want to get my car back. I am being made to jump through hoop, after, hoop a supervisor is never available to speak with. I would like to place this compliant against them my personal items were place in someone else 's care that was repossessed at XXXX XXXX which is very unprofessional. Which I had to pay {$50.00} to get from them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need this account corrected at once : XXXX XXXX XXXXXXXX

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 2021-06-01
Company: EQUIFAX, INC.
State: FL
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:
At present I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit announcing ( 1 ) The financial framework is reliant upon reasonable and precise credit revealing. Wrong credit reports straightforwardly weaken the proficiency of the financial framework, and outlandish credit announcing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer detailing offices have expected an imperative part in collecting and assessing shopper credit and other data on customers. The financial framework is subject to the reasonable and exactness detailing of purchaser offices. At the point when you neglect to take care of your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times grumbling about the wrong things on my customer report. Well I am complete the process of whining. I request you eliminate these incorrect things or I will look for prosecution for the entirety of the infringement and for the torment you all have caused me by destroying my standing by announcing mistaken things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company is currently showing 60 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding.

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