BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
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: Account status incorrect

Complaint:
I have previously followed up and disputed this. On my Equifax report, a debt from " XXXX XXXX XXXX '' shows three incorrect amounts being reported incorrectly under this " XXXX XXXX XXXX  '' and the Accounts and respective amounts are as follows : *Account XXXX - {$110.00} *Account XXXX - {$170.00} *Account XXXX - {$54.00} These amounts should not be appearing on my report and should be deleted since there are no amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, 2016 a payoff check was overnighted to the express payment department of Macy 's. On XXXX XXXX the check was cashed but my account has yet to reflect my payment. I faxed proof of the check ( 6 times ) and it was n't acknowledged until XXXX XXXX. I contacted Macy 's by phone at least 4 times a week for a resolution. Each time I had to tell my story over and over again. I was put on hold so many times for over 40 minutes only to be hung up on. I 've asked to speak to a supervisor but am given the run around each time. Last week they acknowledged my payment, but said it could take up to 2-3 billing cycles for my account to update. I 've been beyond patient and have done everything they have requested. Now I 'm being bombarded with collection calls, even after I tell them each time to read the notes and they assure me I 've been taken off of the auto calls. I do n't understand how an express payment is n't processed in a timely manner. Now it 's reflecting on my credit report that I 'm late with my payments, I 've paid on time each month. Macy 's assured me they would fix the credit reporting but I foresee another slew of phone calls and dead ends to fix the problem. Basically that could be a total of 5-6 months of waiting. I 'm in the process of purchasing my first home and this hindering me from applying for a loan. Macy 's needs to learn from this and understand the XXXX toll it takes on their customers. Hopefully this could be a learning experience for the company.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed bankruptcy in XXXX. My mortgage with XXXX XXXX was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from XXXX XXXX and a Certificate of Satisfaction letter for this loan. 
XXXX XXXX, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( XXXX} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.

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 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a CD with capitalone bank with an amount of XXXX for a year, at the interest rate of 2.7 %. Upon reaching maturity, I was not paid out the correct amount. The total amount came out to be XXXX instead of XXXX, short of {$53.00}. 
Upon complaining, the support team kept arguing and giving me a formula to calculate and even after applying that formula, the interest rates didn't add up ( formula given [ balance x interest rate ] ) /365 ( 366 for leap year ) x days in a month ). 
When I responded saying, the results do't add up still, the agents kept saying they can only give formula and can not verify the interest and said they would put in a request for it to be verified, but the amount was never verified or any explanation given. I felt cheated out of the amount owed as if I had defaulted on my cd they wouldn't refrain from withdrawing a penalty, but when they are at fault, they refuse to correctly pay out the amount promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to use my credit card while traveling, but it had been shut down. I called capital one to resolve the issue, but they said that my account had been compromised. Additionally, they have repeatedly printed my name incorrectly on my credit card..My LEGALfirst name is a letter and a number ( XXXX ), yet despite repeated requests and numerous document submissions ( including a divine l certified court document ) they continue to print my name as " XXXX. '' This is NOT my name, and the phonetic spelling of XXXX is XXXX, which is also stated on the legal document. 

I am still currently traveling, and I spent nearly 2 hours going back and forth on the phone regarding the fact that my card was shut down and the name has NEVER been correct..then, they started demanding I resubmit MORE documents proving to them that my name was incorrect ( even though I had just done this less than 2 months ago ) .. 

Ultimately the representative forced me to shut down my credit card, and I am NOT happy about it..I paid an annual fee for this piece of garbage card with the worst customer service in the history of mankind, and I have never been able to properly use this card. 

I have a negative balance, and now I am stuck for the next 3 months in a foreign country with no access to my money. This is out of control!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare is my lender that I was forced into using after my previous lender sold my mortgage to them. They have been beyond difficult to work with even when you can get connected with them. This time, their website is not allowing password resets, no matter which way you try ( email, phone, SMS ). I have no way to reset my password to retrieve my tax document on the day I set aside for taxes. I tried calling, and their IVR recognized my account based on my phone number, so I know they have correct account information for me. Their sites password reset just does not work, and there is no communication posted about updates or system interruptions. 

This company is not open on Sundays when working people are trying to catch up on important things like finances and taxes. LoanCare does not have a way to contact them for tech support outside of their business hours.

If this company is legally allowed to go around collecting money from people as a collections agency, they should provide support 24/7 since people may end up defaulting on their mortgages on a Sunday. We are all stuck waiting for LoanCare to open for business Monday morning. This is unacceptable. Accountability should go both ways, and they should be held accountable for not providing support around the clock if people can not login to pay on time.

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 2021-02-19
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX and XX/XX/XXXX JPMCB - CARD SERVICES add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: NJ
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2017-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
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In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Pingora Holdings, LP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime inXX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally onXX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX does not follow the legal preoceedures, but rather has its own timeline during the foreclosure review process. OnXX/XX/XXXX, I  was so furious about the delay and misinformation, talked to an employee, who could not explain what was going on, even after consulting with their supervisor. I followed up with XXXX on XX/XX/XXXX, the loan counselor rep informed me that, " on XX/XX/XXXX,  which is 30 days later from when my file was deemed complete, they sent my file to underwriting. '' Meanwhile, I had scheduled a foreclosure trustee sale forXX/XX/XXXX. During the review process time to this day, my home has been scheduled for an active auction sale and marketed by XXXX 's attorneys - XXXX XXXX XXXX XXXX XXXX XXXX, who are also not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with starting bid instructions of {$500000.00} as a minimum bid. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date supposedly. Thereafter, I continued to follow up on my loan file periodicaly. Each time I was told that my loan file is with the underwriter. OnXX/XX/XXXX, the loan counselor informed me that, " they have 30 days from XX/XX/XXXX when the file was sent to the underwriter. It gets more interesting on XX/XX/XXXX, I recieved a one page decline letter dated XX/XX/XXXX ( as attached ). TodayXX/XX/XXXX, I followed up on status with XXXX counselor rep ( XXXX XXXX employee ID # XXXX ) who informed me that back on XX/XX/XXXX a  five page decline letter was sent out to me. Whatever is told to me, has often been different. She also added that, I have 2 weeks to appeal from the date of that letter, which time period has also passed on by now. During the review process, I have also had toprove that, I live in a multi family property of 4 units. At that time, I questioned the level of the underwriter 's competency. But again thereis not a way to escalate issues within the XXXX organization. I have also attached copy of theXX/XX/XXXX reinstatment statement from XXXX 's attorneys. Claiming all sorts of fees that are non applicable. My file should have been on Hold while i 'm in possible retention review. Aslo fees associated with the frequent mailings that they never sent out to us. Looks like XXXX is setting me to fail on this Home retention, which I will not. I provide shelter for numbe people and I 'm seeking justice in these mal practice matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I received a notice of collection for my Sears Citibank XXXX XXXX from a collection agency. I never received any notice of payment due, late payment notice or received any email or calls concerning a debt owed Sears prior to the collection notice. I have attempt to contact Sears, Citibank which refers me back to the collection agency who informs me they only have the capacity to collect the debt but not resolve any dispute concerning the debt. I have always paid all my credit card debts in full upon receipt of bill including prior Sears bills. My billing address has not changed and the collection agency used the same to contact me. I am willing to resolve any debt with Sears but unable to speak with anyone who can resolve the issue of failure to bill, notify and contact me about the claimed debt. Attempts to contact Sears/Citibank has resulted in recycling back to Collection agency who is unable to provide a resolution, but only can collect the debt. Sears having the correct mailing address, yet I did not receive a bill or any other attempts to contact me is alarming in light of the fact I received and responded to all correspondence from the collection agency to whom Sears/Citibank provided my information.

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, TransUnion and XXXX s. On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-04
Company: EQUIFAX, INC.
State: MD
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:
The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.

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 2016-04-18
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a call from Shell on Sunday regarding my Shell Credit Card. She said that my account was delinquent. I checked my bank account and it showed that I had scheduled a payment for the full balance on the due date which was XXXX XXXX. I related that I had schedule a payment on the due date and they should have received it by now. She then checked Shell pending transaction account. She related that it showed a payment pending for payment of the full balance. She then related that it take 4 to 5 business days for a payment to clear. I inquired if I was charged a late charge for the slow processing of my payment. She said that I was charged a {$25.00} late fee. After I complained she agreed to reverse it ; however, it would take up to two billing cycles before it would appear on my account. I have noticed recently that I have been charged late fees on my Shell account. I checked back on my bank account on previous months and noticed that I have always paid on the due date but have been charged a late fee because Shell did not process my payment on time. My question is how many people has this happened. Is my account delinquent because Shell failed to process my payment in a timely manner? Shell is misstating the due date if it takes 4 to 5 days to process the payment?

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 2016-12-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.

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 2017-01-24
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.

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