BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: MS
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX : {$610.00} XXXX XXXX XXXXXXXXXXXX XXXX : {$1900.00}

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 2021-08-29
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed our refinance with Citi Mortgage back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to XXXX XXXX the escrow company that closed our loan. When I reached out to XXXX  XXXX for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to Citi as per their request. 
Until today I have not heard back from XXXX  XXXX or any one from Citi regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.

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 2015-07-19
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 
2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 
3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 
4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX  XXXX  XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged c
ontract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2015-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
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:
Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX XXXX XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
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 2015-06-01
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received a statement from Comenity Bank/XXXX  with a late fee of {$23.00} for a purchase of {$21.00} back in XXXX. My payment of {$21.00} was sent to Comenity Bank on time and my card was paid in full! I called and talked with numerous customer services representatives, and explained that I had paid the bill, it was sent on time, gave them the check number, explained that my bank statement was showing the check had been cleared, and looked on my copy of check to insure I had put correct account number on it. This was not enough, they wanted a copy of the check front and back from my bank. So, I called my bank and asked if they could get me a copy of my check. Apparently, someone at Comenity Bank ran it through as a debit and not a check ; therefore, my bank did not have a copy of the check. I tried explaining this to Comentiy. they continue to say I did not send the check. At that point, I wrote them a letter, and sent a copy the part of my bank statement that showed where the payment had been made and cleared. Still not good enough for them. Comentiy Bank sent me another letter implying, I did not put correct number on check, not true! My carbon copy clearly shows correct number, and I have already shared that with a customer service supervisor representative. Currently, I am in the process of sending them a copy of my carbon copy, so they can see I did have the correct account number on my check. I am not sure what else I can do, other than pay 3 times what my item cost me. Once I get this cleared, I will never wall in the doors of XXXX or do business with Comentiy Bank again. Normally, I pay my bill in full, and pay on time. There is only one incident that I did not pay the full amount, I looked at wrong section and only paid minimum amount. I did not dispute interest because it was my fault! The bill was still paid on time, I just had to pay interest on remaining balance. What can I do? I have excellent credit and do not want this bank to ruin my credit. I also do not want to pay over {$60.00} for a {$21.00} purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony not allowing me to use 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 2018-05-30
Company: ODYSSEY FUNDING LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, this form is to complain about XXXX Lending located on XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. My lender at the time XXXX XXXX was the one helping me with my loan. To finally own my rental. He did everything to help me get to closing. I provided everything. But since I am self employed, apparently i needed a CPA to sign off on my Profit and Loss. My tax preparer was not enough. Even though she wrote a letter approving my P & L The branch manager XXXX XXXX took it upon him self to get a CPA that worked in the same building to review my documents on XX/XX/XXXX. I drove over an hour and missed work in order to make it to my appointment at XXXX.That CPA cancelled last minute. So I was stuck waiting in the office to see what else to do. XXXX decided to call his friend he said is a CPA, XXXX XXXX. After sharing sensitive documents to her. She signed off on my Profit and Loss sheet And gave it to XXXX XXXX the non producing manager in the same office. XXXX had me pay out of pocket {$160.00}. At the time XXXX XXXX did not show proof of CPA verification and said she would email it. 2 days went by and we found out XXXX hired an impostor to whom I shared sensitive information. I have been through emotional and financial distress. I've missed 3 closing dates. Because of their lack of honesty, organization, and malpractice. XXXX XXXX owes me {$400.00} total, for the loss of work, gas, lunch, {$160.00} for the fake CPA. I complained to XXXX XXXX XXXX on Friday XX/XX/XXXX after a phone call confrontation I had with XXXX about what he did. XXXX XXXX gave me the owners information. So on XX/XX/XXXX I sent XXXX XXXX XXXX a detailed email about the situation I've been dealing with this since XXXX. He totally ignored it and never reached out to me. No apologies, no updates. Instead he reached to the other manager to clean up the mess. I finally got tired of all the games. And insulting my intelligence. I hired a different lender XXXX XXXX XXXX, has been very kind, and upfront. Very professional. He requested the transfer of my file which I gave permission from XXXX and that never happened. Now that my documents are with my processor. They need more documents from XXXX in order to submit to Under Writer so I can finally go to closing. But they are not complying. And it's frustrating. I wanted to reach to you guys before taking legal actions with my Lawyer. This has been a Malpractice for hiring an impostor to whom I shared private information. I've been financially compromised and misled. I've been through Emotional and finacial distress. They have tried to outwit me. This is not fair. I want things done the legal way. I've done everything in my power to qualify for an FHA loan, which was a success. Please help me do justice.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-19
Company: Cottonwood Financial Ltd.
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: MARINER FINANCE, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the loans.

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 2015-07-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.

Company response to consumer: Closed with explanation