BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are two companies involved here. One is XXXX XXXX d.b.a. XXXX XXXX ; the other is National Credit Adjusters. In XXXX of XX/XX/XXXX I took out a loan with XXXX XXXX. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from XXXX XXXX told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, XXXX XXXX sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency National Credit Adjusters saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XX/XX/XXXX XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern XX/XX/XXXX and moving to XX/XX/XXXX where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to National Credit Adjusters reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from XXXX XXXX saying my loan is paid off. 
2. The Paid in Full doc from XXXX XXXX XXXX. 
3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: World Omni Financial Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX at approximately XXXX such securities was delivered and put forward through the United States Post Office addressed to XXXX XXXX XXXX Treasurer received by World Omni XXXX XXXX XXXX in lieu of net proceeds issued by XXXX XXXX investor account number XXXX on behalf of XXXX XXXXXXXX XXXX XXXX this claim against such risk has been found in default without recourse under such circumstances the securities will not be demand to be restricted securities that are acquired directly or indirectly from SOUTHEAST TOYOTA FINANCE XXXX WORLD OMNI FINANCIAL CORP Under the FINRA they are committing securities and not in compliance with there FORM SF-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I closed my HELOC @ the branch office as per their closing instructions. There appeared to be discrepancies in respect of what I was instructed to pay off the HELOC and what was transpired. I contacted the loan office on XXXX XXXX, 2022 XXXX XXXX and spoke to a rep named XXXX XXXX I do have recording of the call @ my end with her permission ) and I was told that {$190.00} will be credited to my XXXX  but apparently that didn't happen. I contacted Citizens bank, the servicer of my loan and encountered rude and inappropriate behavior and was disconnected as well. It's to mention that those calls were also recorded @ my end. My dogged pursuit didn't resolve the issue and instead received inappropriate and rude communications from the loan servicer employees. XXXX XXXX from Citizens bank left a message for me to call back @ XXXX on the XXXX instant. I tried numerous times from various phones during normal business hours as stipulated in their RI headquarter but was unsuccessful to reach anyone. Whenever I tried the call it didn't ring and after a while it was disconnected. This problem was reported to Citizens Bank in my previous complaint with CFPB and previously they just ignored it all together. At this point, I want the servicer of the loan to pay {$190.00} that was promised by an authorized bank employee. It's to mention recorded calls can't be uploaded in the CFPB site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Professional Collection Service Inc (GA)
State: AL
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:
XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND XXXX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX  AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO PROFESSIONAL COLLECTION THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX  '' THIS Was SAID AFTER I ASKED PROFESSIONAL COLLECTION HOW THEY VERIFIED MY DEBT TO XXXX AND XXXX NOW DUE TO PROFESSIONAL COLLECTION NOT VERIFYING DEBT AND XXXX HXXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.

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 2023-02-08
Company: Experian Information Solutions 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:
Account XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2018-04-27
Company: Phillips & Cohen Associates, Ltd.
State: OH
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 tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Old information reappears or never goes away

Complaint:
The credit bureaus continue to violate my consumer rights by reporting inaccurate information on accounts that have been removed off my credit but re inserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied a payment of {$1500.00} in good faith on XX/XX/XXXX towards my PenFed credit card because of a 0 % interest charge set to expire on XX/XX/XXXX of {$1400.00} Pen Fed took it upon themselves and applied {$450.00} to that amount that I wanted to pay in full ( because that's how payments usually work to my knowledge oldest balance paid first ) and the other {$1000.00} to a more recent balance that also had 0 % promo they offered me. SO instead of being free and clear of the amount that was subject to an 18 % interest rate They applied {$450.00} to the {$1400.00} and say I STILL owe {$960.00} that now they are charging 18 % interest on that amount. I have found this out on XX/XX/XXXX I called and they said I had to apply one payment wait a day and apply a separate payment for it to pay the oldest balance first. WHY have I never read or seen such difficult processes to pay off balances owed. On top of that... I've been out of work the last 9 months and they didn't care when I told them that I borrowed that initial payment money from someone who I now have to figure out how I'm going pay back on top of how deceitful PENFED had been because now they are charging me Money on an amount that should have been paid in full. I spoke to a manager who just said it is what it is. I feel lied to and wronged as a consumer. This is very deceitful and now I'm afraid to make payments because they do what they want with the amount. I usually read the Terms and Conditions and don't recall this put into wording that consumers can understand. They are making money off of this by charging me interest that should never been billed to me ... on top of that I'm still waiting for an updated statement to see how/where XXXX payment was applied...

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2023-01-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ax hasnt responded to dispute regarding complaint attached. XXXX stated she an account supervisor at XXXX XXXX est. she also stated she couldnt open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, I own several rental properties and I decided to go into forbearance on 4 loans with AimLoan.com. This was for XXXX, XXXX and XX/XX/2020. I called the company in early XXXX to let them know I would like to end forbearance and have the payments deferred to the end of mortgage period. The company agreed. I did receive one payment deferral agreement about a month later. I have been waiting for 4 months for them to provide the agreements on the other three loans. I have paid all 4 mortgage payments ( current ) for XXXX, XXXX, XXXX and XXXX. I contacted XX/XX/XXXX about a month ago to help. They have been in contact with Aimloan.com but I have not received any agreements as of today XXXX XX/XX/XXXX ). My credit has been affected as it still shows me in forbearance. I am not able to refinance or purchase any property. I have personally called at least 6 or 7 times and I have asked politely to move the process forward, but I get alot of double talk. In addition to all this, Aimloan.com initially placed a 90 day late on my credit report which according to the Cares Act, they should not have done. This affected my credit and caused significant problems. They did eventually fix this, but have not performed on the 3 payment deferral agreements. Thanks in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-09-20
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a pre-legal notification letter from midland credit management on XXXX XXXX, XXXX. I owe a XXXX credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: SYNCHRONY FINANCIAL
State: IA
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:
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made

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 2020-07-14
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, XXXX/XXXX  Company Inquiries : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an accelerate savings account with Citi Bank on XX/XX/2023 in response to an offer that I received via email. The account is a joint account with my husband and it was opened over the telephone with an account representative, the opening documents were signed electronically by both of us. Upon review of our first statement, I discovered that XXXX was taken out of our account for federal withholding tax, I called citi bank to see why this occured and I was told it was because they didn't have a W9 on file and that I would have to complete this and mail it in, they do not allow this form to be submitted via email or fax. I explained to them that I am not comfortable sending my name, address, and social security number through the mail. I spoke with 6 different individuals regarding this matter on XX/XX/XXXX & XXXX, XXXX. I called last night ( XX/XX/XXXX ) to see if I would be paid the {$150.00} bonus they were offering if I didn't submit the W9 and I was told that I would not receive the bonus without them having a form on file. I reside in Michigan where there aren't any Citi Bank locations for me to drop a form off at, I requested my account to be closed on XX/XX/XXXX and was informed it would be and to expect a check in XXXX days, which is another complaint that I have, I do not understand why the funds can't be electronically sent to the bank that I transferred them from. I understand I will now forego the bonus because I closed the account early, but I'm only closing it because of their W9 requirements. When we opened the account over the phone I assumed all necessary documentation would be signed electronically, I was never informed by the account representative that I would have to submit a W9 through the mail. I believe this is terrible business practice and I shouldn't have to jeopardize my personal information to be able to qualify for a bonus incentive offer.

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