BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: LoanCare, LLC
State: CA
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:
My mortgage loan was paid off to XXXX XXXX Loan Care on XX/XX/XXXX and received by Loancare, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is ZERO and Loancare transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to Loancare in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?

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 2017-06-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a property on XX/XX/XXXX with Home Financing Center, XXXX as the lender, the title company recommended by them for the closing was XXXX XXXX XXXX, XXXX. The Warranty Deed prepared by XXXX XXXX was recorded with and error on my post office address which has the zip code incorrect and is missing the apartment number. I noticed the error on XX/XX/XXXX and brought that to their attention requesting to send a correction to the county. I was informed that an error on the mailing address will not affect the title and the Warranty Deed will not be re-recorded. However, since I did not receive the XXXX Property Taxes bill in the mail and went into the county website on XX/XX/XXXX and I found out that the Property Taxes from XXXX are still due, a Delinquent Tax Certificate was issued on XX/XX/XXXX but I never received the notice because my mailing address is incorrect. I immediately called the company for an explanation about this and they told me the case will be investigated and will submit the payment as I am not responsible for those previous property taxes. As per today, the amount of {$900.00} for XXXX Property Taxes are still delinquent and I have not received an explanation either an apology from the title company. I have been calling and spoke with several people and they keep saying that the bill eventually will get paid and I should not be concerned about that. In addition, regarding the mailing address they told me that I have to go or call to the county and fix it myself. I feel this issue is being handled carelessly without any urgency or consideration from XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.

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 2017-06-08
Company: CITIBANK, N.A.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?

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 2021-03-11
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is claiming I owe them {$560.00} when I cancelled my policy with them.I was paying the policy monthly and was never late. I have never heard of an Insurance Company coming after someone just because they chose to end their policy. They have made more than their money 's worth from me since I have never had any accidents or claims filed. This is a predatory tactic to extort money. I demand that the account be closed and credit deleted. Also, I do not want the debt sold to another agency. My next steps will be to file grievances with the FTC, Attorney General 's Office, and possibly legal action if this harassment continues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under ARS Account Resolution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Fraudulent inquiries from Equifax is XXXX and with XXXX is XXXX XXXX XXXXXX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These accounts were taken off my transunion credit report and now I see they have been reinserted without validated. Transunion has not verified these accounts nor have they responded to my request for method of verification form that I sent for transunion to fill out.  XXXX   XXXX  debt and   XXXX   XXXX   XXXX   have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from t hese accounts that are not mine.   XXXX   XXXX   is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers in formation. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against transunion. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

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 2022-10-07
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson capital syst has filed with credit reporting agencies that I owe a debt to XXXX  that is been charged off and is older then 10yrs it 13 years old. XXXX has already reported it and wrote it off. Jefferson bought the debt and is lying about when I opened and stop paying. They claim it was in XXXX when infact the initial account was opened in XXXX and I stopped paying in XXXX then went into collections in XXXX. They refuse to remove or admit they are lying it's fruad plain and simple fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank Bestbuy card does not update balances every evening or in most case not within 2 days. I believe this is to confuse customers on billing and actual balances for larger interest charges. 

It's 2022 transactions are instant. 

Ty, Just not trusting this company when I make payments and do not see balance go down after day or two.

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 2022-04-26
Company: EQUIFAX, INC.
State: SC
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:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as per the Fair Credit Reporting Act.

I have the right to privacy under 15 USC 1681 section 602 A, and a consumer reporting agency can not furnish an account without my written permission under 15 USC 1681 section 604 A. 
And XXXX XXXX XXXX XXXX has violated my rights.

Company response to consumer: Closed with explanation