BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.

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 2022-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This complaint is regarding Citi 's dispute review process. I believe Citi has not followed their own dispute policy of resolving dispute in a timely manner. 

In XX/XX/2022, I booked a flight using my Citi XXXX XXXX. That flight later got cancelled due to the war in XXXX. I have contacted the booking agency for a refund which did not return my calls and did not answer my messages. I later disputed this charge with Citi. 

I submitted my dispute in XXXXXXXX XXXX and later called Citi to confirm my dispute was opened. They confirmed. On XX/XX/2022 I got a letter from Citi requesting evidence for my case ( which now has a number XXXX ). I emailed my evidence on XX/XX/2022, that letter included screenshots showing my cancelled flight info and my messages with the merchant that remained unanswered. 
Over the course of the next 3 months I called Citi twice to check on the status on my dispute and got the same answerit 's beeping reviewed. 
At this point my case is way outside the dispute window Citi claimed ( 30 days ) and my it remains unsolved. 

I have called Citi billing disputes again today, XX/XX/2022 and spoke with a supervisor named XXXX XXXX refused to give last name but claimed to be the only supervisor in billing disputes and provided code XXXX ), who told me that Citi has received my evidence on XX/XX/2022. I told him that the evidence was sent on XX/XX/XXXX, for which I have a record and he could not explain the gap. His best explanation was that it took a long time for my evidence to be scanned in ( mind you it was submitted electronically ), he told me that from here ( or rather from submission date ) cases take 10-12 business days to review, but could take as much as 30. 

My case remains open. 

In the documents attached to this request you can find a screenshot of my email providing requested evidence send on XX/XX/XXXX. 

There's something off about dispute process at citi, a claim submitted in XXXX should not take 8 months to be resolved. My evidence sent in XXXX being processed in XXXX, full 3 months later is odd. I kindly request Citi reviews my case an offers an explanation of the issue as well as a timely resolution.

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 2022-10-08
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: DE
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
As of XXXX 2016 Navient charged off my private student loan yet they continue to report different past due amount to the credit bureaus as well as lie about what my monthly payment is. My monthly payment has never been {$440.00} but this is what they are reporting and they keep saying my last payments were different dates. To my understanding if you are going to charge-off an account then you can not keep updating the account status every month as past due with different information. Also I was in a payment plan XXXX of 2016 and made the first 3 payment but then got behind yet they are still attempting to take money out of that account which is not closed even though I do n't keep money in it and that is in the amount of {$250.00}??? every month. So how can they report my account being charged-off, and past due in different amount and still try to take money? I reported them before and all I got was a bunch of lies so hopefully this time will be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited.

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 2016-03-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Grant Mercantile Agency
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:
In XX/XX/XXXX, I was a victim of Identity theft. I had an onslaught of negative items appear on my credit reports, which gravely affected my life. It affected my ability to rent a place to live, secure a security clearance, and took me almost 4 years to recover from. I am now in escrow which is supposed to close XX/XX/XXXX. One item remains on my credit report, which I have disputed, sent a police report, an FTC Fraud Affadavit ( notarized ), letters, details. The company is Grant Mercantile Agency, and the amount is {$520.00}, placed on my credit on XX/XX/XXXX. They will NOT remove it from my credit, and it is having a high impact on my loan. They continue to not remove the item from 3 bureaus. They sent me a letter with a very long list of items needed, which I responded to ( took a day off work to gether the information, spent money to send certified next day ), and they still will not remove it. The police report states I was a victim of burglury Code 459, and Identity Theft 530.5PC, and the defendant was named in the report. This company is not following the Fair Credit Reporting Act guidelines, and they are affecting my livelihood, for 4 years. PLEASE assist me in having them remove this fraudulent information from my report. I have no association with this company. I sent them Police Report, FTC Affadavit, Drivers License, Social Security Card, letters, proof of address, and  everything they have requested. I appreciate your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: DE
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 filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2015-08-30
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: United PanAm Financial Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was reposed in 2019 United auto credit contacted me and I set up a payment plan with them XXXX dollars biweekly when covid hit I was unemployed noticed them they asked if I had anyone who could still pay for me, they had no empathy for the pandemic they constantly called me emailed me, was threatening to garnish my wages they threw the derogatory mark on my credit report after I told them to give me a few months I will get back on the plan, they said they couldn't wait they needed payments monthly they caused my score to drop so low I wasn't able to get anything so not only was I unemployed but I was going through the pandemic and united auto credit was still harassing me and every now and then I still get calls while trying to do everything possible to rebuild my credit to get back on track, I have purchased XXXX cars since then but I would like that tooken off my credit can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is are several accounts reporting with the bureaus that are actually past the statue of limitations. They have been disputed several times as well as validation requested directly from the companies. The companies that did respond only sent a generic letter when actual validation as well as a payment history was requested! XXXX, TransUnion and XXXX are still reporting aged, unverifiable information. If the companies won't give me information when requested directly then they aren't giving the bureaus information either and that is because they are old accounts!

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 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Capital One. I did not open or authorize this account. Even though it has a XXXX balance this account was not opened by or used by myself. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
NE Credit Collections is reporting to my XXXX credit file a collection in the amount of {$640.00} with a delinquent/open date of XXXX/XXXX/XXXX for XXXX XXXX XXXX. After research, I found that XXXX XXXX XXXX is located in XXXX XXXX XXXX. I have not lived in XXXX XXXX XXXX since XXXX. I lived in XXXX, XXXX from XXXX, then moved to XXXX in XXXX XXXX to XXXX XXXX. I have been at my current residence in XXXX since XXXX XXXX. They are in federal violation of inaccurate reporting/re-aging a debt with a delinquency date of XXXX/XXXX/XXXX. Furthermore since I have lived at my current address since XXXX XXXX, they are in violation of not sending out a 30 day collection activity letter to me for validation of debt as this debt was paid by medical insurance in full a long time ago. I disputed with XXXX but NE Credit Collectors came back to XXXX that it was mine debt and it remained on my credit file as disputed. This has caused me to be denied credit at times and caused harm to my credit file. I can prove my residence dates and if this is not deleted immediately, I would like FCRA penalties and fines levied on NE Credit Collection and proceed with litigation. This is inaccurate reporting of dates and a debt not owed and should be deleted immediately. This is also a HIPPA privacy violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation