BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since our local bank sold our mortgage to LoanCare LLC, they have TWICE failed to post payments our bank guarantees LoanCare received. In the commission of those errors, they have also attempted to assess late fees. After LoanCare made the 2nd error, we sent a certified letter with attached proof of payment to LoanCare instructing LoanCare to acknowledge receipt of our letter within 5 business days, correct the error, remove any fees associated with their error, and correctly post our payment on the date it was received within 30 days of their receipt of our certified letter. The letter provided written instructions to contact us by mail for further information they might need to correct their error. We have received neither acknowledgment of their receipt of our letter nor communication requesting additional information or time necessary to correct their error. These errors are common for LoanCare and in continuing to make the same error repeatedly are in violation of the terms of our mortgage as well as in violation of Federal law under the Error Resolution Notice Act 12 C.F.R. 1024.35.

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 2020-05-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

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 2019-09-24
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I discovered that my card had been stolen/returned to my purse multiple times, along with my drivers license, and used without my authorization. At the time this began, I had only used the card a few times. I was not traveling or out of state at any time during the fraudulent usage. I called immediately yet did not have time to review charges over the phone as I work a high demand job. I could not get access to my online data following the call because it was of course cancelled and suspended until I activated the new card. Once I was able to login and review, I called back and disputed all transactions I did not recognize. At this time, the rep that took my call was rude and criminalized me as opposed to assisting me professionally. In addition, the investigator that called me was very rude and pushy. I am not able to spend 30-45 minutes at a time on phone calls with your representatives going over the same questions and information multiple times. The process is terribly redundant and wasteful as well as a burden on your customer that has been the victim of fraud and identity theft. At this point, it has been three months, I have been treated extremely rudely, criminalized for being a victim of fraud and identify theft. My claim of fraud was denied saying the charges were within my regular spending pattern. I literally had the card two months before this happened and only used a few times so I had no spending pattern developed. Total amount of fraudulent transactions is {$830.00} PLUS INTEREST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander is reporting inaccurate and incomplete data on my XXXX  and XXXX reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

Santander is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with XXXX XXXX on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted XXXX via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to meXXXX five companies associated with one account? No wonder the data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Note : I have ( 2 ) previously satisfied accounts through this vendor. On XX/XX/2021, I purchased a product through Acima ( Lease-to-Own ), with a ( 90 ) day option to satisfy the purchase agreement. On XX/XX/2021, I called Acima to determine the ( 90 ) day option ending date, and the amount needed to satisfy the agreement. An Acima employee stated : " The ( 90 ) day option expires on XX/XX/2021. '' On XX/XX/2021, I called Acima, prepared to satisfy the ( 90 ) option agreement amount. An Acima representative informed me, the ( 90 ) day option expired on or around XX/XX/2021. I referenced the previous call and asked them to review the notes from the previous contact. I was informed there weren't any notes of the call, and I would be charged the entire amount. I am of the belief, Acima misrepresented the terms of the agreement. I have purchased several products through a " lease-to-own '' company, and never had any issues with the terms and conditions. Acima advertises as a " no credit needed '' solution for purchases ; however, Acima has placed a " delinquent account '' notice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XXXX, XXXX XXXX   XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I gotten 3 calls from XXXX XXXX 3 times I given my attorney and told them I was on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing in regard to ongoing problem Citibank transfers totaling {$16000.00}. 

I have one savings and one checking bank account with Citibank and a checking account with the XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On Sunday, XX/XX/2019 I used Citibank 's website to create two transfers from XXXX to Citibank. The first was for {$15000.00} from my XXXX checking account to my Citibank savings account and the second was for {$1000.00} from my XXXX checking account to my Citibank checking account. On Monday XX/XX/2019, a the transfers appeared on my XXXX statement, both as withdraws to " ACH Withdrawal CITIBANK , N.A . ". No corresponding deposits were made to my Citibank accounts during the following days. On Friday XX/XX/2019, I spoke by telephone to account manger XXXX who explained to me my transfers " should '' be complete by XX/XX/XXXX. The same day, account manger XXXX told me Citibank had no record of the transfers being requested. On XX/XX/2019, I contacted XXXX, and asked for the trace numbers for the ACH transfers. I provided these numbers to a Citibank representative who told me they have no record of these transfers. I then requested that XXXX reverse both transfers. I am now waiting to see if Citibank will return these ACH transfers. I am hoping that by contacting you, you can help sort things out in case Citibank disputes the reversals.

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 2019-09-24
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out a couple times over the years to explain to them that the car was my ex spouse and when he left me he took the car so I would like to set up a payment plan and they take it off my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Account status incorrect

Complaint:
I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.

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 2019-05-02
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX DELETED ON XX/XX/ AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.

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 2019-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts do not belong to me : XXXX XXXX in the amount of {$520.00} Opened XX/XX/2011 XXXX XXXX Acct # XXXX ( I do not have additional information about this account ) The creditors said that social security numbers do not match so would not give me additional information. 
This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of purchasing a new home closing this month, XX/XX/2019. I have working diligently to maintain my credit scores. Last month i received a notice through my XXXX account that a new collection was added to my reports. I quickly contacted the company listed to see what this was for. It was a XXXX XXXX collection for an address, even state that I haven't lived in for several years. The company had my previous address and phone number so I was never advised of this debt as required by law. They day I paid the debt, on a recorded line, the representative ensured me that they would removed this collection from my credit report after payment due to me never being advised of the collection. Now, two weeks later when I called to verify when they would be removing the collection from my report, they are saying that they are not going to remove it now. Again they told me it would be deleted on a recorded line the day I made payment! This not being deleted from my credit as they promised to do when i paid the account off is going to make me lose my new home and thousands of dollars I have paid in earnest money deposits!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted both Equifax and XXXX XXXX about my TWO missing credit card accounts that should be reporting. XXXX  XXXX told me that they are reporting to all 3 credit bureaus and was unsure about why Equifax was the only company not reflecting the accounts. XXXX  XXXX opened two disputes with Equifax for missing account information and the disputes came back unresolved. The Equifax representative that I spoke to told me that there wasnt anything that they could do to show the active account and that they werent sure why they werent showing either. This is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Remitly, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This complaint is for Remitly : I sent money before with this company and I never had any problem. Now, I sent two ( 2 ) transfers to XXXX ( International ) and I did not receive any of them. The first transfer I made was XX/XX/2020 XXXX in exchange XXXX. 
The 2nd transfer was made in XXXX XXXX XXXX and it arrived as XXXX. 
Both through the website and app it shows that was received. 
But, Remitly is holding my money for a long extent or period of time. 

Note ; The international agency/company in XXXX claims that I have sent money in the same coin or value of XXXX XXXX. 

Please, I would like my money back, refunded or deposited ; the correct Dollar to Real exchange in my account. 

Please dont hesitate to contact me At ( XXXX ) XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions 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:
Experian is reinserting deleted accounts on my credit report from XXXX XXXX XXXX. All XXXX XXXX XXXX accounts were deleted by Experian. Experian was unable to verify these accounts. XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA these are the same accounts, same amounts owed. These accounts were deleted more than once from my credit report and now they are reinserted without my knowledge again. Experian is required under the FCRA to have properly verified the accuracy of these accounts if they have verified as required and requested why are they being reinserted? 
This is fraudulent and unlawful. As this collection agency and Experian appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this with Experian and they have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have these fraudulent accounts removed from my credit file.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

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 2019-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX/XXXX  30/60/90 PAYMENT LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 monetary relief