BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 made call to our present mortgage company, New Rez Mortgage, in order to refinance our present mortgage to a lower interest rate. 
XXXX XXXX XXXX # XXXX was the represantive. 
XXXX quoted a interest rate of 2.875 % with no discount points. These rates thru paper work were said to be locked until XX/XX/2021. 
Now New Rez wants to keep the same rate but wants to charge a discount points of 1.375 %. This results in a extra closing cost of {$4000.00} I discussed this with XXXX today ( XX/XX/2021 ) per phone call and she stated that it was my fault for not submitting needed paper work within 2 weeks of initial call. 
I find this very hard to believe since I am retired with plenty of time to work on submitting documents if needed. Secondly, the reason I wanted to refinance with my present mortgage company even though the rates were higher was to complete the process as soon as possible. Now it has been 3 months and still no refinance. 
I am wondering if New Rez is doing this on purpose. I do not know if they are are not. However I wonder if others are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was breach through out the credit report agency, ( XXXX and Equifax ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: First Financial Credit, Inc
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: Account information incorrect

Complaint:
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I initially took out the auto loan in XXXX. I called to ask if they could change my due date because the date they gave was before my pay period. They responded they don't do that. In the fall of XXXX I missed a payment due to a tax bill. Every payment afterwards has been on time. I have payment arrangements that i have kept to the day. XXXX and XXXX of XXXX I sent letters requesting to remove late charges thru my credit repair due to all other payments were on time. I received a letter back from them stating that my request was frivolous and irrelevant. I called on XX/XX/XXXX to ask if I have any options available like deferment and I was advised no, they don't offer anything to help you get back on track. She offered to send a request to the credit dept. to dispute my request and I told her that I had done that already which was why I was calling. I advised that I received the letter from them stating that my request was frivolous. She apologized and ended the call. This company only receives payments. They don't do anything to assist the customer if they have payment issues. Because my payments keep getting reported late, my credit score can not recover. Therefore, I can't refinance my loan. So basically I'm screwed because i can't afford the extra payment to stop them from reporting the payments late every month. Had I known that they don't offer anything to help their customers I wouldn't have taken the loan. It's basically set up to cause you to fail and be stuck in a loan that benefits no one but them. They refuse to offer any option to help the customer at all even though you advise that you are struggling, but willing to continue payments but need a little help. They do not operate like the average finance company that will offer you some form of assistance to keep you on track. They should not be allowed to get away with doing this to people. I will never be able to get my credit on track if this keeps up.

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 2016-09-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ok I had someone steal my identity and have issue 's with Equifax keeping the fraud of my account. I have contacted them and they are doing nothing to fix just keep saying its facts. XXXX has done their job as this is what i pulled of my credit today as i copy. Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been removed from your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX So I am asking equifax to delete these fraud inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed my credit went down significantly, so when I checked my credit, I noticed there was fraud. Someone used my name, spelled incorrectly " XXXX XXXX '' to open an account under XXXX  & now Southwest Credit is trying to collect $ XXXX from me for months worth of XXXX bills. The collection was opened XXXX XXXX 2021. The account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund for my federal loan paid on XX/XX/XXXX with the amount of {$2100.00} through EdFinancial services. I submitted this request on XX/XX/XXXX. I called back on XX/XX/XXXX to ensure that this refund request went through in their system, however, the representative told me that there was no existing request on my file when I called a second time. 

After submitting a request for the second time, I made sure to ask if there was a confirmation method. However, they mentioned no confirmation method is made and I can not request an email confirmation. I have reason to believe the loan servicer EdFinancial is lying to their customers about requests being inputted into the system and lying about not having a confirmation method. 

I would recommend customers call XXXX times to ensure their requests are submitted, because clearly they are not logging every request made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Thunderbird Collection Specialists, Inc.
State: AZ
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:
There is an unknown collection account which I was never informed of until it hit my credit report. I have disputed it several times with nothing being received as far as validation. I do not owe this company {$40.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 2019-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
Wallet stolen. 
Cash advanced made a several banks over a few days totaling over {$15.00} thousand no text, message, email received from USAA VISA asking if charges correct. Affidavit and police report submitted. XXXX XXXX calling me a criminal and that charges are my responsibility. I am victim of identity theft. Results of USSA has caused my credit report to tank. USAA has called my for XXXX demanding payment of fraudulent charges. No effort to check video of cash advances to prove it was not me. Unable to resolve through phone conversation and email communication and through mail to XXXX XXXX. 
Need your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Employer : XXXX XXXX Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting a account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over 30 days. Transunion is also reporting a account name XXXX  XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them 30 days ago.

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 2019-11-27
Company: U.S. BANCORP
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported unauthorized charges on a credit card with US Bank and the case number given to me was XXXX and the fraud claim was filed on XX/XX/2019 I was told that the investigation would be over around the the end of XXXX and my fraud investigator 's name is XXXX XXXX, who was very helpful in the process. 

But as of now, it is XX/XX/XXXX and the negative payment history is still showing up on my credit report. I have made several calls over the last few weeks with no response whatsoever. 

I would like these charges as well as the negative payments removed from my account and credit profile.

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 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made over a {$2500.00} overpayment on my Capital One WalMart credit card at the beginning of XXXX and requested a refund for the overpayment XXXX XXXX. I was told it would be sent out in a few weeks. I hadnt received it by the first week of XXXX and when I called they finally told me they put a hold on it for 12 days until XXXX XXXX for review and then finally released the funds and sent a check. They said to be patient and I would receive it by the end of that week. I did not and when I called back they said it was an automatically generated check with no tracking and to again be patient. They said to give it 15 days from when they mailed it XXXX XXXX. I still had not received it on the XXXX day which was XXXX XXXX. When I called back XXXX XXXX, I waited on the line and senior supervisor, XXXX, said he was going to check on why there was no tracking for me. I also asked him to cancel the check and send out a new one and he gave me a hard time about it After 20 minutes and holding multiple times, I was disconnected. I am having to call back over and over and fight to get money back that is owed me by the credit card company. I have a busy life and take care of people with disabilities and a sick child. I dont have time for this. This shouldnt happen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX  ; Experian and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-08-11
Company: Mandarich Law Group, LLP
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 information incorrect

Complaint:
I have disputed a charge that was paid off months ago several times through XXXX and directly with XXXX XXXX XXXX I have uploaded the letter from the law firm XXXX hired to collect the debt ( Mandarin Law Group ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient keeps placing my loan on forbearance. 

I have not asked for forbearance. I keep telling them i do not want to forbear my loan ... yet every month its placed on forbearance. Therefore they do not send me a bill and I miss payments and incur additional interest. I have called and sent them multiple messages. Additionally i just got my monthly statement to go online and pay.. and when i log in it says XXXX amount due! SO i fear my loan is foreboder again and if i make a payment it will not be allocated correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The following laws have been violated by XXXX : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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