BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: Reliant Financial Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Acct opened XX/XX/2016. Paid for one year no late payments, engine siezed and i was directed to have car towed to a shop of my choice and repairs were to be paid for by reliant financial in which case i would pay for at the end of my term. Mechanic was never paid or contacted by reliant and my car was towed and i never heard anything else about the verbal agreement i was offered. My loan was charged off yet my highest balance per XXXX  states {$0.00} as my highest balance. Account is at {$6400.00} dollars allegedly. I lost my job due to this breach of contract by reliant financial

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
XXXX shows as an account on XXXX and XXXX while showing an inquiry on Equifax. All are fraudulent because I've never applied for credit for this service or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: NewFed Mortgage Corp
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted via email to NewFed Mortgage company for refinancing my home loan on XX/XX/2020 providing my name, address, estimated house market value, my current outstanding loan amount, and my credit score. They got back to me on XX/XX/2020, stating the interest rate is 3.125 paying {$1500.00} or 3.25 paying XXXX for closing costs. I declined the offer saying my current interest rate is 3.5 % and did not start the application process as I am looking for a much lower interest rate. 

NewFed came back stating if I can share my current mortgage statement, they might be able to check if they can give a better rate. I shared the document, and they came back with 2.75 % for {$1500.00} closing cost for 27 years. I agreed and filled the application. 

On XX/XX/2020, after running the credit score, they come back and give me a rate of 3.125 % with a $ XXXX closing cost. When asked, they told me, sorry,2.75 % was mistakenly quoted to me, so I requested them to remove the credit check from my file as this not what agreed and that I don't want this interest rate from first. Then NewFed rep says he will contact his operations manager to get his removed after talking to the credit bureau agency. He also apologized for the mistake. 

On XX/XX/2020, they come back stating we can not do anything, and my score will be down only 1-3 points, and I got 14 days to shop around, and after 14 days, if I get the lower rate i am looking, it will be considered another check. I told NewFed that I did not agree in the first place for 3.125 %, but NewFed convinced me that it is 2.75 %, and then I filled the application. After applying, they come back with an offer of 3.125 % with a $ XXXX closing cost, and I should consider it. When pushed them to for the rate they agreed, NewFed came and gave me an interest rate of 2.875 % with XXXX closing costs for a 27-year term. So I asked them what the breakup cost and they provided me the details on an email. I agreed to go ahead. 

Today ( XX/XX/2020 ) - I am told the rates are up, and they will give me 3 % the excuse they give me is I did not lock the rate. If I want 2.875 %, I will have to buy the points or wait for the market to come down next week. 

They wasted 3 days, and all they say is sorry it was an honest mistake. Well, their honest mistake is putting my credibility in check. The credit check done by NewFed will stay on my file for the next 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to obtain all 3 credit reports on XXXX XXXX XXXX and was advised that I could not get it and I also tried to get all 3 Credit reports through Experian and after signing up was advised that they could not get it.

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 2023-05-26
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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
As of XX/XX/2019, the balance on my credit card account was $XXXX. I had until XX/XX/2019 to pay this off. My credit card shows I paid off the balance of $XXXX  on XX/XX/2019. However, on XXXX XXXX, I was charged $XXXX in interest. I have called customer support and they were unable to explain to me why this happened.

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 2022-11-15
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-07-10
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
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: Personal information incorrect

Complaint:
I tried disputing this address two years ago and the address is incorrect. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off my XXXX  credit account and closed the account. Somehow comenity bank was still able to add interest onto my account ( keep in mind I closed it after I paid off the debt ) and wanted me to pay the interest that they accumulated into my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened account in Mid XXXX or XXXX I had a charge for a subscription I call PayPal we canceled it together they refunded my account then the following month they put it back on there and then I called and tried to have it removed they did not want to remove it so I let that account cancel so in XX/XX/XXXX I opened a new account and then I ordered a subscription of ugly food and canceled it was hit the next month so that was twice that I've had two accounts going to a negative balance when that is not allowed to happen supposably so I am willing to pay for the two things but I don't see that it's fair being I can not overdraft my account but payal can put me in the negative balance and so I'm really wanting PayPal to release my funds I don't care about ever using PayPal again I just want my tax return for XXXX back I am currently unemployed and it would really help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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:
Vehicle was paid in full, but still shows on my credit file. Please remove from credit file immediately.

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 2023-05-16
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: Information belongs to someone else

Complaint:
This is my eighth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Equifax do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX removed XXXX XXXX XXXX XXXX and the other ( XXXX XXXX and Equifax ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt Validation to the credit agency " XXXX XXXX   XXXX '' asking to show proof that the debt belong to me. XXXX technically isn't a creditor they are an insurance company so they shouldn't be reporting to the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX  CARD W/ {$500.00} LIMIT. UNFORTUNALEY INXX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX  STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Account information incorrect

Complaint:
On XX/XX/2021 I sent out dispute letters to XXXX XXXX and TransUnion for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX XXXX and TransUnion ).

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 2019-06-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to LoanCare from XXXX XXXX on XX/XX/2109. Payments were made to LoanCare using the XXXX account number that was applied to another account with LoanCare that had the same account number of another client at LoanCare for the XXXX and XXXX payments instead of my account. When I contacted LoanCare on XX/XX/19, they corrected their error on XX/XX/19. When LoanCare refunded the overpayments for XXXX and XXXX, the two misapplied payments, they made an error and deducted an additional payment causing the XXXX payment of {$1800.00} to also be deducted from my account. I contacted LoanCare to correct their error on XX/XX/19 and was informed the correction would be made and the {$1800.00} payment would be reversed and applied to my account in 3 to 7 days. As of today, the {$1800.00} payment for XXXX has not been applied to my account. I was informed someone would contact me once the correction was made. It still has not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, I refinanced my home. Flagstar Bank received full payment for my property and has refused to refund my escrow balance ( {$3800.00} ) in full. On XX/XX/2020, they issued a check then subsequently placed a stop payment on the check. Consequently, the funds were withdrawn from my account and returned to Flagstar Bank. and I have incurred service charges. 
To date, they have not returned my funds and have stated that my refund will be reduced by {$1700.00}, even though the closing attorneys have paid this fee. I keep getting the run around and I need my money. 
They are scammers and attempting to defraud me of 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 explanation