BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.

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 2015-10-08
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First of all the number they are calling is a business and does not have a Citibank account. Our company is XXXX XXXX XXXX. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call XXXX where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has this number listed as it 's contact number - it needs to be removed because it is a business number, not a personal number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Firstsource Business Process Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per DSG Collection response on CFPB claim number XXXX. They have not taken the {$60.00} off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: American Coradius International LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via XXXX. 
I provided Tracking # and proof of delivery to XXXX and XXXX decided the case in my favor ( seller ) On XX/XX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though XXXX decided in my favor. It was an expensive bike, nearly {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Freedom Mortgage has reported that they started foreclosure on my home while I was being considered for a loan modification. They are also charging me foreclosure fees, The foreclosure should have never been started during my process of trying to get a loan modification through the loss mitigation department. All requested paperwork was submitted multiple times and I also worked with a supervisor that sent all requested documents as well.

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 2016-12-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2015-06-02
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Delinquent account

Complaint:
I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: GA
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 disputed with Equifax numerous times with no resolve. These accounts incorrectly show as deferred. These accounts, i am no longer liable for due to debt forgiveness. These accounts should be reflected as XXXX balance, XXXX owed, and not deferred. 
US. Dept of Education Acct # XXXX {$33.00}, XXXX US. Dept of Education Acct # XXXX {$13.00}, XXXX US. Dept of Education Acct # XXXX {$45.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Information belongs to someone else

Complaint:
Fraudulent inquires reporting on my credit, that I do not apply for. 

XXXX XXXX - XXXX XXXX 2022 XXXX XXXX XXXX - XXXX XXXX 2022

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 2015-03-21
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back. 

Distraughtly concerned,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Creditor closed the account without sending the principal to the creator.

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 2016-07-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My Costco credit card was unfortunately transitioned from XXXX to Citi. I was enrolled in both e-statements AND autopay with XXXX. When the card transitioned, my balance moved to Citi and I was unable to access my account on XXXX. I waited until I received my new Citi card before I could set up online access with Citi. However, by the time I got my new Citi card and was able to set up online access, my payment due date had already passed. Citi never sent me a paper or email statement so I could pay the bill and I did not yet have access to the Citi website to pay my bill. Citi did not, however, port over my auto pay enrollment, so my payment is now late. I am trying to call Citi to resolve the issue, but I have been on hold for over 15 minutes without an indication of when I might be able to speak to someone. Citi does not offer to have somebody call me back once a call representative is available and they do not give wait times - rather, they seem to expect customers to wait on hold indefinitely to fix problems arising from their poor transition.

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 2022-09-18
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company have called and sent letters regarding vehicle after I have told them not to contact me anymore. Havent sold vehicle as of XX/XX/2022 but put a charge off on my credit for {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX of NCS has repeatedly called my employer and the HR department of my company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
a copy of the credit report showing the past due balance of {$25000.00} to Regional Acceptance Corp. Their phone # is ( XXXX ) XXXX. After a XXXX XXXX was filed in 2014. Why is it showing on my credit report past due? Car was returned.

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 2016-05-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
As part of the new XXXX relationship with Citi, my XXXX account was cancelled and a new account was opened at Citi on XXXX XXXX. I was charged interest by Citi almost immediately after the new account was opened because the due date from my XXXX account was on the XXXX and when I noticed XXXX had transferred the account balance to Citi ( but not my Autopay instructions ) I paid Citi for the amount due from my previous XXXX statement, but on XXXX XXXX, incurring interest charges of {$5.00}. Although not a large amount, the account transfer, Citi did not connect this newly transferred XXXX related account to my existing online account information with Citi, so there was no way of knowing what was owed, to who and by when from Citi. I emailed them about the situation and they refused to removed the charges. The consumer seems to be at the mercy of a sloppy account transition between XXXX card providers.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 15 U. S. C 1681 section 602 A. States I have the right to PRIVACY.

15 U. S. C 1681 Section 604 A Section 2 : it also States a consumer REPORTING AGENCY CAN NOT FURNISH a account without my written consent.

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 2016-09-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this 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