BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this 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 explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX  6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) 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 2019-09-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wishing to pay off a loan serviced by LoanCare Account Servicing ( " LoanCare '' ),  the XXXX obtained a payoff on or around XX/XX/XXXX that showed that they owed a balance of {$290000.00} on the loan, of which {$150000.00} was purportedly interest due. However, the XXXX have been paying this loan since XXXX and contest that this is the balanced due. The XXXX believe that loan is already paid off or should be close to being repaid in full. As such, since XX/XX/XXXX, Mr. and Mrs. XXXX have been trying to get a complete payment history for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire payment history for the loan. The documents, nevertheless, clearly did not include the entire payment history for the loan. 

As such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be audited. The attached letter is their request to LoanCare, via their attorney, for the audit ( the " Demand Letter '' ). Via letter dated XX/XX/XXXX, also attached, LoanCare acknowledge receipt of the Demand Letter. It also represented that, in compliance with federal law, it would send a detailed response no later than 30 business days from the date it received the XXXX XXXX complaint. Assuming it received the Demand Letter on XX/XX/XXXX, LoanCare 's detailed response was due on XX/XX/XXXX. However, to date, neither the XXXX nor their attorney XXXX XXXX have received any response whatsoever from LoanCare. 

On XX/XX/XXXX, Ms. XXXX contacted LoanCare at the phone number in its letter of XX/XX/XXXX. She spoke to a representative at LoanCare 's Georgia office. Said representative then contacted the XXXX office while Ms. XXXX was on hold. The representative said that the person who conducts the audits had not gotten the information, but that she has spoken to another agent from the XXXX office who would be providing it to the person in charge of audits. The representative from the Georgia office offered to give Ms. XXXX the email of the person in charge of audits. Ms. XXXX advised the representative that if she was going to provide her the email of a XXXX XXXX, doing so would be futile, as Ms. XXXX had previously emailed Ms. XXXX on the issue, and had received no response. This is detailed in the Demand Letter.

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 2022-08-09
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I pay off my credit card debt and Im still getting a negative balance in my credit report is been a year since I paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX  XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: OR
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:
To whom it may concern : My name is XXXX XXXX social security # XXXX. I've worked hard to build my credit over the years and have not had a major late payment on any of my credit cards for years until just recently i noticed something that is affecting me. My credit card payment to Sears credit card was set up with automated payment. I had a family emergency right before this late payment happened which is now causing negative consequences in our ability to get approved for a home due to this 1 late payment on my credit report. The family emergency required that I leave my family for a month to help with another family member in a different state. I was unaware that my automated credit card payment had not gone through and had made my credit card bill 30 days over due causing my credit score to plummet from what I had worked so hard to get it up to over the years. I was unable to get notifications of the payments not going through due to me no longer having access to the email address on file with XXXX XXXX that they normally sent me messages to. My only access to that email address where I would normally get notifications was through a laptop that was damaged So I was unaware this had taken place when I was away from my husband and kids. Long story short, during this time I was away from home, the bank that my automatic payments were coming out of had a problem with there system and my automated monthly payment to Sears card did not go through ( they said it was a " glitch '' in the system ) causing the 30 day late hit to my credit report which killed my credit score now severely hurting my families chances of getting approved for a home loan we have worked so hard to be able to apply for. I apologize for this error on my part even if unintentional on my part. This is my only 30 day late payment on any of my credit card account. I will make sure that this never happens again. I am humbly asking if you could please see if Sears credit  card could remove that 30+ day late payment from my account so that my credit score can go back up to where it was before this horrible mistake on my part. This is a request for a goodwill adjust to my payment history to take away that late payment from my account. You will never know how much that would mean to me if you could help with this request. XXXX XXXX XXXX ps this is for the missed payment on XX/XX/2018 XX/XX/2018

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 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with SLS. SLS has a 2nd lien on my property that was charged off. Did not hear from them for over 10 years. Then out of nowhere they contacted me and acted like a very aggressive debt collector. My husband XXXX XXXX passed away in 2015. I XXXX XXXX XXXX am XXXX years old and living on a fixed income. I was told by SLS they would not do a loan modification on my home unless I came up with {$30000.00} cash. I do not have that kind of money, due to the fact I am only receiving social security.

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 2018-11-27
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : Credco, XXXX XXXX, CA XXXX ( 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 2020-09-06
Company: C/C Financial
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I called to scheduled for furniture leased to be picked up from my prior residence. Since then I have received constant run around from this company starting with an employee named XXXX XXXX. Every pick up that was scheduled resulted in no shows from the start. I even reached out several times to the company picking up the furniture who repeated failed to do so wasting my valuable time. This went on for at least two weeks of verbal and email communication until the end of XXXX. The end of XXXX I received an email for a settlement and called the company regarding it. I ended up settling for XXXX XXXX and XXXX dollars due to I was sick and tired of the repeated lack of customer service and unprofessional-ism. Again, I was paired up with Mr. XXXX XXXX whom never advised me of a XXXX XXXX dollars fee and charged my bank card without my knowledge. I called back once I notice the fee and was refunded. However, this employee is extremely incompetent that I have endure constant suffering and anxiety as this would go against my credit. Today, I was notified by a credit alert this account has gone against my account. Prior to me stopping payment because they were suppose to pick up this furniture my account was never late and always on time. This company has now jeopardized my credit history and causing me financial suffering. This company is a scam and is continuing to ruin people financially after sending me a settlement and accepting my offer of 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 explanation
Consumer complaint received 2019-09-06
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
No one ever showed me a bill or contract info regarding this collection. 
No idea where it comes from. except that it it was in 2013. I have NOTHING. and my credit is perfect if not for that.. 


AWA COLLECTIONS XXXX XXXX R XXXX XXXX XX/XX/2013 {$520.00} {$520.00} XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
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: Personal information incorrect

Complaint:
I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an {$800.00} title loan in XXXX of 2016. The interest rate was not disclosed in the original paperwork. I made payments for about a year, I went to pay off the loan and they wanted {$2500.00} to pay it off. I was shocked at the amount, so I did not pay it off and I stopped making payments. I just received a summons in the mail from this corporation demanding {$4200.00}. I misplaced my original paperwork, so I went down to the title company and they printed out a forged document. On this document, it stated that my original loan amount was {$1900.00} and the interest rate I was given was an annual percentage rate of 180.00 %. I requested the " original '' paperwork, they refused and the girl at the counter told me that this was the only paperwork she was allowed to give me. Obviously, this is fraud in addition to higher than legal interest fees. I am not sure what I can do, I have an appointment with an attorney to discuss my options, but I would like this company to be investigated. The company is Cash Time Title Loans, inc. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Regional Acceptance Corporation is charging me an extra 3 months on my car loan which totals to {$930.00}, they have claimed I have missed 3 payment which I contacted them about that and told them that I have made every single payment on time and I have the proof of every payment I have made and they asked me to email them copies of my proof of payments for every single month and I did and I havent heard back from them no more and they have not helped in resolving the issue. This has been affecting me and my credit immensely. I need help desperately to resolve this issue.

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 2018-05-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted a request for mortgage assistance to LoanCare. On XX/XX/XXXX, I was informed my application has been deemed complete and they will be assigning an underwriter. On XX/XX/XXXX, I was then informed they needed additional documents which were faxed. On XX/XX/XXXX, I received a Notice of Trustee Sale for an auction sale date of XX/XX/XXXX to much my surprise because I am aware of the XXXX and that appeared to be dual tracking. On XX/XX/XXXX, I was advised that all documents have been received and my application was again in review with underwriting. Called again on XX/XX/XXXX and was advised more documents were now needed, submitted the requested documents on XX/XX/XXXX. As of today, XX/XX/XXXX, I am now being told that my documents were received back on XX/XX/XXXX, however, because the sale date is scheduled for XX/XX/XXXX there is now suddenly not enough time to review my application. I have never been assigned a designated point of contact with LoanCare and they proceeded to file the Notice of Trustee Sale while reviewing me for loss mitigation. They have all the documents they need are are being completely unfair by telling me 3 days before my sale date now that suddenly there is nothing they can do!

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