BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint if being filed on the advice of my attorney who has indicated it is the last step before she files the complaint against  Macys in US District Court and is meant to reflect my attempt to mitigat e my damages.    Macys  failed to deliver a statement to the cor  rect causing a 30-day late to appear on my credit report, the only such late in a 28-year payment history.
Macys also violated   privacy laws by faxing a copy of my account statement to a fax number which appeared on a letter that was  XXXX   XXXX  directly to  XXXX   XXXX , the  Macys Chairman a nd another letter to the CEO.   I placed no less tha n 67 phone calls to the executive offices, and despite promises by three individuals that the matter would be escalated and addressed, all communication was  handled by an individual who took pride in upsetting me with her  XXXX  attitude.   In addition, this  30-day late dropped my credit score  by  XXXX  points causing a bank to withdraw an offer of a large commercial loan resulting in the economic loss of over {$200000.00} to my firm.   Macys management is a disgrace to the business world and while this company will continue to shrink, t he fact that Macys would indicate they are " reviewing '' why they sent my statement to an un monitored fax without my permission is mind numbing, especially because I am already an identity theft victim.

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 2022-03-20
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Approximately 6 months ago I called Barclay 's to ask them to reduce credit card payment. We were still recovering from COVID layoff 's, had a death in the family and actually used the credit card to pay for final expenses. Our rent also went up {$400.00} in XX/XX/XXXX. The representative said that she needed XXXX XXXX 's permission to speak with me. We called XXXX XXXX on a three-way call and he gave permission. The representative said that she would reduce our monthly payment. That did not happen. We called a second time, XXXX XXXX was sitting with me and gave permission for me to discuss the card. This representative ( second time ) said that she could get us to lower payments but it didn't happen. We called a third time, again said they would reduce payment from $ XXXX monthly to $ XXXX monthly. All the while I continue to pay what we can afford monthly $ XXXX {$180.00} monthly. We are ( were ) in the process of buying a house but when the report was ran, it came back that Barclay 's is in delinquent status ( because we wer n't paying the minimum ). We were disqualified for the house ( XX/XX/XXXX ). XXXX XXXX called Barclay 's XX/XX/XXXX ( 4th call ) and the gentleman made arrangements that are now reflected on the website as closed account with payment arrangements. The representative said they did not reduce payment because I ( XXXX XXXX ) was not an authorized user on the account, but I am his legal wife and pay this bill through my account. We lost the home that we were in escrow for because of their incompetence and miscommunication.

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 2017-11-29
Company: Marlette Funding, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my 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 non-monetary relief
Consumer complaint received 2022-02-19
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:
XXXXXXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
XXXX client XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent Capital One account established using her information without her consent on or around XX/XX/XXXX. An official dispute of this account was sent to Capital One XX/XX/XXXX ; Capital One then made contact with my client via letter XX/XX/XXXX asking for additional information along with an affidavit for my client to complete ; which my client did comply. As of this date Capital One has not provided any updates as to the status of the investigation which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a auto loan through Credit Acceptance. In XXXX I totaled my car. In about a month, XXXX and XXXX XXXX XXXX XXXX paid off the loan in full. I have all documents proof. But credit acceptance refused to close my account and stop charging me monthly car payments $ XXXX. They charged me for 2 additional months after the car was paid off. I called them constantly begging them to stop, but they dragged it out as long as they could. Now I have a {$650.00} balance that is the worst thing on my credit report. It's the only negative thing on my report and is preventing me from getting another car. I've tried to dispute this with the credit acceptance company as well as all 3 credit bureaus and have gotten nowhere. I've been fighting this for months and it's completely holding up my life still. I shouldn't have to pay this.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tonight I called XXXX XXXX dispute department requesting for Hard inquires to be remove from my transunion credit report, they have no information on file about me, was very rude telling me to contact transunion which I already did. no permissible purpose and unauthorized. 
here 's my credit inquires from XXXX XXXX/XXXX  Inquiry from XX/XX/2018 XXXX/XXXX  Inquiry from XX/XX/2018 here is there dispute info XXXX/XXXX   XXXX XXXX, SD 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 2021-11-16
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated phone calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX ( Toll Free ). I couldn't figure out why they were calling me, so I eventually called them back and was able to speak with a human being about XXXX months ago. I was informed that I had an outstanding medical debt from an ambulance ride in Washington DC that occurred in XXXX. I informed them that I did not acknowledge the debt and that the debt was no longer enforceable because it was over XXXX XXXX XXXX and to stop calling me. I requested that they stop calling me and they having continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Nelnet, 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:
In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: TX
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 ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, My complaint revolves around the Menard 's BIG card, which is managed through Capital One. On XX/XX/22 I contacted Capital One to find out why my 6 month same as cash had not be XXXX  out. I calculated the the total divided by 6 and paid accordingly. However, when I contacted XXXX at Capital One, she said that it doesn't work that way. The money that I pay gets split up, by their determination, amongst my different balances. So I asked the question, " So if I want to allocate my payments in order for the promotional balance expiring first, how do I do that? '' Her response was, '' That's not possible. I agree with you that it's not right, but that is the way they set it up. '' I let her know that in this situation, there really isn't a 6 months same as cash if you have multiple promotions on one card because the customer really doesn't know where their cash is being applied to which promotional balance. In the end I paid the entire card off and closed my account. Kind os a XXXX  move on the credit card companies part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: AL
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:
SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

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 2021-11-16
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX {$5000.00} Collection : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
THIS COMPLAINT IS " MAKING A RECORD '' FOR THE CALIFORNIA COURTS WHERE I WILL BE SHORTLY SEEKING RELIEF. 
EQUIFAX DISPLAYS A SEVERELY DEFAULTED SCHOOL LOAN THAT WAS NEVER MINE IN SPITE OF 20 DISPUTES.LOOK AT THE LIST OF CFPB COMPLAINTS ATTACHED.EACH TIME I NAMED THE DEPT OF EDUCATION THE CFPB SAID TO CONTACT THEM.THEY ARE INCOMPETENT.THEY AUTO VERIFY A LOAN THAT'S NOT MINE AND THEY IGNORE THE FTC ID THEFT PKG SENT TO THEM. 
EQUIFAX THINKS THIS IS FUN AND GAMES UNTIL THEY ARE SERVED FOR NEGLIGENT CREDIT REPORTING.THIS COMPLAINT IS MEANT FOR OUR JUDGE TO READ. 
EQUIFAX NEEDS TO OBEY THE FCRA AND SUPPRESS DEPT OF ED ACCT XXXX.I WILL BE SEEKING THE DOWN PAYMENT OF THE NEW HOME I INTEND TO BUY AS AN APPROPRIATE AMOUNT OF DAMAGES FROM EQUIFAX. 
DEPT OF ED IS IMMUNE ... THAT'S WHY THEY DO NOT HANDLE THE 500000 REQUESTS PER MONTH FOR CREDIT CORRECTION THAT THEY RECEIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: OH
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: AZ
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 got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.

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 2019-08-28
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: NV
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:
For the past several months I have been in constant contact with Experian reporting agency in regards to fraudulent accounts that are being reported on my credit report. On XX/XX/2020 @ XXXX Experian received a dispute letter on my behalf in regards to several accounts listed on my credit report that were from the direct result of identity theft. I was sure to include my full name, date of birth, social security number, and a copy of drivers license along with my dispute to prevent any identity issues. I recently received a letter from Experian stating that were unable to honor my request because I wasn't able to provide sufficient identification information for them to identify my identity. I find this automated response totally unacceptable and feel this is being used as a stall tactic since I provided more than one piece of several identifying information. It makes no sense for Experian to SEND ME a letter saying they need more information to Identify me. Experian has violated my consumer rights under the Fair Credit Reporting Act section 605b, & section 609.

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