BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on the purchase of my home in XX/XX/XXXX. With the economy if XXXX I was able to refinance my home to get a much better rate and payment. After comparisons I chose to refinance with my same lender Cardinal Financial that refinance closed in XX/XX/XXXX. At the end of XXXX I was notified by the county to pay additional supplemental taxes not covered by my lender, which i paid in the amount of XXXX. In XXXX of XXXX I was notified that my house payment would be increased from XXXX toXXXX after an escrow analysis was done on my account due increased taxes. After contacting my company and requesting reanalysis I was notified that my payment would actually be increased from XXXX to XXXX for the remaining 29years left on my home loan and I would need to pay an additional XXXX to my account up to date. The company states during my refinance upon request the county quoted them my property tax at XXXX bi annually but later after closing when the bill came in my property taxes were billed at XXXX bi annually causing the difference. Those wrong numbers were put into my contract by mistake. After contacting the county they state and I have printed proof that my property tax changed in XX/XX/XXXX three months before my closing and the estimate they used of XXXX was only valid from XXXX of XXXX to XXXX of XXXX not through XXXX. Not updating the proper numbers and changing the terms of my loan now has taken any opportunity to continue negotiating before closing or choosing a different lender to refinance with. I believe these actions/inactions breach our negotiated FHA contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Nelnet, Inc.
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
GREATLAKES AND TWO OF THEIR CONTRACTED COLLECTION AGENCIES CONSERVE AND XXXX KEEPS VIOLATING THE DODD-FRANK ACT.CANCEL DEBT AND HAVE DEBT COLLECTORS PAY ENTIRE BALANCE 1099-C TO IRS TODAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Self Financial Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: Capital Benefit, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My company struggle due to the Covid-19 pandemic. I am unable to pay my mortgage over the next few months. My representative XXXX spoke with XXXX, she advice that email the letter to request it and manager will get back to me. I email her and XXXX request for Forbearance on XX/XX/2020, XXXX email back the Forbearance Agreement on XX/XX/2020, later on they kept email Late Notice, but because they approved for the Forbearance so I trust them and did not know that they trick me and lied to me and start foreclosure my property without warning me. On XX/XX/2020 I received the Notice Of Default. My representative XXXX  talk to XXXX and she said that they have to file it to protect them self they do not care about the EXECUTIVE ORDER XXXX or COVID-19 State Foreclosure Moratoriums and Stays. Please help me to stop them illegal foreclosure on my property and please report them to the government to stop their wrongdoings to consumers. They try to do all this on purpose to make me lose my house and put me into Foreclosure. The bank violated the EXECUTIVE ORDER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance with the CFPB.

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 2018-05-10
Company: Avant Credit Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked Avant for copies of my contract with my signature. They are reporting two  accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice from Caine & Weiner about an allegation of a debt owed. There was no sufficient evidence to support or verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Clarity Services
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 AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BB&T CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for 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 2020-01-27
Company: MOHELA
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:
Please CFPB, I'm a victim of fraud, please forward the following information to Mohela. Thnak you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction. 
The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute. 

Following their advice, I called to confirmed the dispute and never received a call back or email. 

I also called several times to XXXX XXXX XXXX XXXX  and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account. 

I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.

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 2018-04-06
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this collection agency and informed them that this debt is not mine and asked them to validate it but they could not prove me with proof that this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got a XXXX loan from covington credit in XXXX i had a job at XXXX Needed it to help my son.I have been paying on it for 5 years, I still owe XXXX .they said they were helping me on months I couldn't make payment by refinancing for XXXX dollars .they told me it would help my credit scores .they would call every 5-6 months saying I have money like 30-120 I can pick up I earned it .and at first it was a month or 2 added on.I had to stop working in XXXX due joint XXXX .they offered to help I believed them cause They always said and talked about XXXX .they used my belief in higher power to earn my trust .I ended up having XXXX XXXX my husband started working in new mexico my XXXX was expensive.I called and said I could not keep paying them .I wanted to pay it off but they would convince me to take their handout which wasn't one .when I told them it would be a few months before I could pay on it .the manager showed up and brought district manager and threatened me .the manager acted like it was not him .they threatened me with taking my things and sueing all that .so on crutches I had to go into office where they convinced me I needed to refinance again.XXXX  when covid hit my husband was layed off i couldn't pay they offers to lower payments to XXXX a month for 4 months .they didn't tell me they were gon na charge me .I checked the amount I owed in XXXX it was XXXX and we were gon na pay it off and be done .but they called in XXXX a week before XXXX and said not to worry about the payment and they were gon na put XXXX in my account for XXXXI checked my stuff a few days agO XX/XX/XXXX it said XXXX was still owed I was shocked and confused and angry I looked at it in disbelief ..I looked online to get help I seen so many bad reviews and that was the XXXX .I seen all I could do so I followed steps I sent message to covington that im not paying XXXX for a loan that should of been paid off and did not call me or come to my house again till I contact u with a lawyer or debt consolidate.XXXX  XXXX XXXX XXXX .they started calling me that afternoon and next day which was a Saturday .I 'm not that smart on loans and interest I'm a trusting person and I have been thru so much in the last 5 years.I was paying XXXX a month on this loan even with the handful of times I picked up XXXX XXXX which XXXXwas only once the others were XXXX XXXX thru the 5 years and I missed only a few months during XXXX XXXX and when I stopped working I missed one month .then we made 4 months of 30 payments to cover.so I don't know how this happened.they lied .used my faith and threatened me .Covington credit XXXX tx office .I have called a lawyer and they are in violation .I want to understand how its not paid off .I 'm not paying another penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We applied thru Chrysler Capital and was pre-approved. When the dealer sent the deal in instead of getting us 0 % Chrysler came back at 12.8 % Tier 4. Upon Reviewing my credit report, we found a recent account 30 day late inaccurately reporting We notified XXXX, who removed the account. The Score models jumped up to XXXX ( the lowest to the highest of XXXX. On the Chrysler website it is advertising you need a XXXX. I was a victim of fraud, had accounts opened my name ( all were removed on XXXX and XXXX, XXXX  is showing one account left scheduled to come off in 18 days but is a small account showing 1x30 revolving card. So, there is no reason I should not get a 0 % interest rate. Upon relaying this info to Chrysler, they refused to repull my credit and rescore. Under the FCRA, If a credit furnisher finds an error, they must remove it. XXXX  did just that. Also, under the FCRA, the creditor must re evaluate the borrower creditworthiness based on the new changes. This is where Chrysler is Violating the FCRA and I am sure I am not the only Victim. This is a prime example of a Major Corporation taking advantage of its customers during a crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax wont remove XXXX XXXX XXXX from my account XXXX claim I was making payments from a XXXX XXXX checking account as Im about to present is a official letter from XXXX XXXX staying I never had a XXXX XXXX checking account so how could I XXXX XXXX make a payment under my name when they confirmed I never had a checking account with them and I never have lived in XXXX XXXX XXXX XXXX XXXX XXXX nj which I am presenting my drivers licenses with my address on it if XXXX does not remove this fraudulent account alone with Equifax I will sue them in court as it is a violation of my fcra rights also Equifax is reporting I have a XXXX card a XXXX auto loan and a XXXX credit card and a XXXX account which is not accurate they all must be deleted at once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a complaint with all three credit bureaus and a CFPB complaint about a fraudulent loan where someone got ahold of my information and had a loan in my name. Experian continues to show late payments when even the loan company has charged off and written off the loan. And both XXXX and XXXX have removed the loan and Experian keeps adding it back after deleting it as well.

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 2021-07-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been having problems with this for months now, I keep calling and am being told that I have paid my balance and do not owe anything, yet I keep getting emails stating that I owe.I have been having problem with this account for some time and nothing is being resolved. Is a matter of fact my credit has been ruined because of this. Evertime I call Pay Pal they tell me I owe nothing, which I know is true, my last balance was for {$80.00} ( +- ). 

Following is an account of the times I have called, that I took notes of : XX/XX/2021 Called Pay Pal and spoke with XXXX, put me through wih Synchrony Bank, was told to give it a couple of days to clear, sounded sketchy but I agreed. 

XX/XX/2021 Called XXXX XXXX XXXX I spoke with XXXX who transfered me. I was told that I did not owe anything, that my balance was XXXX. 

XX/XX/2021, Finally called XXXX  and spoke with XXXX and said I could make a dispute at XXXX XXXX, ext. XXXX so they could help me. I spoke with someone named XXXX, I believe, he wanted my complete S.S. number, I told him that I was uncomforable giving my whole number, I told him I had called before and was asked for my last four numbers. I assume he did not like my answer beause he would not talk to me anymore. I could hear he was still on the line but he would not answer me, so I had no other alternative but to hang up. 

XX/XX/2021, Received letter from Synchony Bank called XXXX XXXX XXXX gave my phone number twice and my S.S. twice and was told that they could not find any account with that information. 

I sincerely pray that someone can help me with this mess. I am a retired woman of 70 years owe, to me, my credit is all I have going for me and for it to be taken from me would be desvating since my credit is what gets me through. 
I would appreciate it very if there is help out there. 

Sincerely,

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 2021-03-06
Company: Experian Information Solutions 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 XXXX  XXXX  XXXX  showed up on my Experian Report for XXXX XXXX XXXX XXXX. 
I have never had an account with XXXX XXXX XXXX and this is not my account. 
About a year ago, I received a notification that someone tried to open a new XXXX XXXX XXXX account from one of my credit monitoring services, I immediately called XXXX XXXX XXXX and they said they cancelled the attempt that was made without my authorization to open an account. Immediately following that I put a credit alert on all three credit agencies as well to ensure no one else would attempt to open an account without my direct authorization first. 
Then this most recently showed up on my credit report. I immediately disputed this with Experian in XXXX, they came back and did not remove from my report. Then I attempted to dispute again and they still did not remove from account after the second attempt. I have NEVER had an XXXX XXXX XXXX account in the past.

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