BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Alliant Capital Management LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I attempted to pay the company the debt that I owed. I informed the company that I am in the middle of buying a house. I told them in paying off the company I need a Letter Of Deletion several times throughout the call, and I gave them my email address and mailing address because they said several times that I would definitely be receiving the Letter Of Deletion.Once I paid half the debt off, I asked how long after the debt has been paid, would I receive the letter, the same employees that said I would receive a letter, started saying that they never said I would, and they never send those types of letters... They immediately hung up on on me and when I called back they transferred me to a voicemail. I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Capital One has not forwarded me the title to my Vehicle. Vehicle was paid in full at the dealership. A right of rescission was served on Capital One by USPS certified mail. Property was retained under 15 USC 1635 ( 20 ) days after recession notice was received by Capital One. Capital One is required to release lien on said property for the failure to retain property under the time frame allowed in subsection 15 USC 1635. Capital One is also required to refund the down payment of {$4000.00} and trade value of the vehicle that was delivered at the time of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. 

I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program .

When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. 

I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. 

NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. 

I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. 

NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9 missed  payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for ye ar 2015 showi ng a payment every month to  XXXX  Web Pmt Single - Online Pmt  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 2017-01-07
Company: Collection Consultants of California
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I initially called the company Collection Consultants of California to dispute the accuracy of a single derogatory remark on my credit report. After I disputed this information, the company then listed XXXX other separate remarks for various amounts on my report. I called to try to pay the amounts that are listed on my report and they said that it would n't matter because I have many amounts that are due to this company. Not only are some of them over XXXX years old, I 've contacted the originator of the claims. If these are all debts from XXXX creditor being sent to XXXX collection agency, they should only be listed on my report once, not four times. This should be considered illegal, especially because I feel that this was done purposefully by their staff after I submitted my original dispute. If they are listed individually on my report, I should be able to pay them individually to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of {$1.00}, XXXX that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them {$600.00}. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 purpose. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates continues to collect on a debt which was paid prior to PRA claiming ownership of the debt. Debt was paid to an assigned debt collector of XXXX XXXX called XXXX XXXX. 

On the week of XXXX XXXX, 2016 I called Portfolio Recovery Associates to discuss its appearance on my credit report of XXXX alleged debts with account numbers XXXX and XXXX that lack the correct date of first delinquency and are erroneous. 

I spoke with XXXX people that day concerning the accounts. I notified PRA that I did not receive a dunning notice, that the account had already been paid with an assigned debt collector of XXXX XXXX, and told them I had confirmed the payment was processed and received by XXXX XXXX for the two payments of {$2300.00} and {$470.00}. 

During one of the conversations the Customer Service Representative asked me if I have ever lived in XXXX. To which I told her no I have never lived in XXXX, AL. The rep told me the address was associated to me. I confirmed to her that I have never lived there. Almost immediately thereafter, I received an alert that a new address was added to my credit report and a hard inquiry from PRA was preformed. 

PRA stated to me that they do not have records of payments made after the account was closed by XXXX XXXX and that I would have to figure it out. I was told on XXXX XXXX by a Customer Service Rep in the disputes Department that in fact they made a mistake on the address and that it was from an old account in their system ( which is out of SOL for reporting and collecting purposes ) and was still submitted to the major CRA even though it was from an uncollectable account. This kind of activity ( reporting information related to an uncollectable and out of statute debt ) seems like it is against my protections as a consumer. 

Portfolio Recovery told me that even though they do n't have access to the information about my payments for the XXXX alleged debts that I should " pay now so that when/if the issue is resolved I could possibly get a refund '' and avoid any " legal '' issues. 

I asked Portfolio Recovery again on XXXX/XXXX/2016 to immediately remove the erroneous address. I told them I wanted it removed just as fast as the submitted it. Yet they stated that was not possible to remove the same day that it may take up to 60 days to correct even though they were able to add same-day. I found out through XXXX that they can request immediate corrections. 

I was also not provided the physical address to mail correspondence from their receptionist without providing my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called 3 days in a row to get my car title which I was never given. I was given a title from XXXX which I payed the vehicle off XX/XX/XXXX. They also stated that they threw out my title. I told then that was illegal they are supposed to keep my documents for at least 7 years. When I finally got the title the lean holder was still mention even after the fact of me paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I paid off a $ XXXX to $ XXXX credit card balance with regular payments ( automated to be prompt ) for approximately 3 years. Sometime after the last programmed check was sent, I got a notice that I owed {$10.00}, and there was a late fee of about {$40.00}. I paid off the {$50.00} and got another notice a few weeks later that I owed another {$40.00} or so. I called to complain and asked, " How much money do you want to leave me alone? '' The agent apologized and removed all charges, said I did n't owe anything else, my balance was XXXX. I thought this ended it. Now comes my complaint. I learned that I had a negative entry on my credit report for late payments! This lowered my score and disqualified me for a loan I was applying for that offered favorable terms. This is not the first time that I end up hurt by Bank of America, and I feel a need to seek some justice.

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 2020-03-02
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, Experian account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX  reporting payment status as collection/charge off, Experian payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.

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 2017-11-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Comenity Bank violated the FCRA by not telling me the credit reporting agency used to deny my credit application for a XXXX credit card. Instead I was given erroneous information about the denial. Comenity Bank admitted to the illegal practice in their response to a complaint that I previously filed with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of Identity thief and my personal information has been compromise. 
I've noticed collections and inquires on my credit report. XX/XX/2020 XXXX  XXXX XXXX {$230.00}. Also CAPIO PARTNERS LLC. {$230.00}.

Company response to consumer: Closed with non-monetary relief