BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have been trying to get approval on a loan modification from Citizens loss mitigation since 2021. I have applied and been rejected and then appealed and then rejected, and have applied again in the past few months. They keep asking me for documents that I have already provided, or keep requesting for new pay stubs or asking for consecutive pay stubs even though I already told them repeatedly I do not have consecutive pay stubs. The result is that my application timeline runs out and they reject my application, moving me closer to foreclosure. I can not take it anymore. It is not only unprofessional, but grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: HYUNDAI CAPITAL AMERICA
State: CT
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:
The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
My vehicle was repossessed during COVID and two months prior to my beginning to collect SSA retirement. The company ( Santander ) would not negotiate because, in their opinion, I did not have substantial income and would not be able to honor a future repayment plan. They did not offer to make any exceptions due to COVID and demanded I bring my payments current immediately. I had to move due to the pandemic, and I was laid off my job. 

A few months prior to the repossession, I went to XXXX XXXX regarding debt relief. They made a {$7000.00} settlement arrangement with Santander, but Santander later said it could not be honored because the vehicle was still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I enrolled in the Citi Priority checking offer on XXXX, 2022 that promised XXXX XXXX XXXX XXXX points if certain activities were performed in the initial 60 day period such as making a deposit, paying 2 bills and making {$750.00} of payments using the assotiated debit card. 

On XX/XX/2022 I called Citi to ask if I had fulfilled all my obligations to receive this benefot and was told yes, and that points would be deposited in my XXXX account shortly. 

On XX/XX/ 2022 I called back to inquire about the points not having been deposited and was told that I also needed to keep a balance for a 60 day period - which was not something I was informed of on 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 non-monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: WI
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:
15 U.S.C 1681 Section 602 A.states I have the rights to privacyC 15 U.S.C .1681 Section A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction account numbers XXXX XXXX XXXX account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a Capital One Savor Card XX/XX/XXXX and was approved. I was told I would receive the card within 14 days. I waited over 20 and called after not getting it and it was cancelled and I was told a new card would be sent and I would receive it by XX/XX/XXXX. It is the XXXX and still no card so I called and explained I did not want to cancel the card only to be in the same place 3 weeks later with no new card and the agent promised me before cancelling the current card on the way that the replacement card would be sent a different way with 3 day express shipping waived no fees due to the fact a month after opening account I had no card after waiting thru 2 cards sent. He cancelled the card but could not follow thru on sending one express said he had no way to do it and now I am stuck with no card on the account as I said don't send out a 3rd card just to be in same situation as I was lied to and the supervisor told me pretty much tough luck he lied to you but I can't activate the card he cancelled and I can't honor the express shipping and refused to get anyone higher leaving me with no card no account essentially. I told him I would open this and he had no cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Credit Card Services made an urgent request to XXXX   and Experian Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to XXXX and Experian. This issue has not been resolve I have been calling XXXX and Experian since XX/XX/XXXX and they stated they have not received any letter or request

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 2018-08-28
Company: Roquemore Holdings LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Roquemore & Roquemore AT XXXX XXXX XXXX is repeatedly contacting myself, my daughter and my spouses ' parents for a debt that is NOT ours! They are trying to get a hold of my spouse about this loan but it is solely IN HIS NAME. IT IS NOT MY DEBT, THEY ARE JUST TRYING TO LOCATE HIM BUT HARASSING US REPEATEDLY. 

This debt does NOT have our names on it!!! They are repeatedly calling me AT WORK for weeks and PURPOSELY DIALING ALL OF THE EXTENSIONS OF MY CO-WORKERS AND BOSS!!!! 

This is NOT MY DEBT. It is NOT IN MY NAME. WHY ARE THEY HARRASSING US!!!! 

I actually thought it was a huge scam at first because of how often they called me. I do not know any of the details of this LOAN, it is not my business, I am not on the loan, I was not included as a reference .... neither was my daughter who is 19!!! They are just trying to get someone to talk to BUT IT IS NOT MY BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I noticed there were two teller withdrawals one for XXXX and one for XXXX. I immediately called the bank and did not recognize the names on the checks. The customer rep acknowledged that these were white washed checks, with my information on it but didn't look like my checks. She immediately placed a stop payment on them. It took me two days to get an appointment with the branch manager to open a new account. I filed a dispute on XXXX  I opened a new account with a little money in the old account for my pension to get in. I went to the police to file a report, got a case number and reported it to the bank on XX/XX/XXXX. On XX/XX/XXXX the check for XXXX was refunded to my account but not the check for XXXX which also had a stop payment on it. I called the bank and was told that the dispute would take 30 to 90 days to replace the XXXX. I called the bank repeatedly and was told that " this was their process '' even though that XXXX had a stop payment on it like the XXXX check. In addition, both checks were cashed at my bank up in XXXX. The teller never suspected obvious fraudulent checks. I filed an affadivit with the branch manager on XX/XX/XXXX and gave her a copy of the blank check with the number used on the XXXX check. I spoke to the police who said this was clearly a whitewash case and did not understand why I would have one check put back in but not the other. I called the fraud department numerous times and never received a call back. I called customer service MANY times and while they were sympathetic there was " nothing they could do. '' I would like my XXXX put back in my account now. I have been a long term customer and do not like the way I am being treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Experian at XXXX today, XX/XX/XXXX to freeze my credit. I provided my data and was told I had to continue online or mail in a request. Having provided proper identification to the consumer reporting agency, they are required to offer a toll-free telephone to allow consumers free of charge to freeze their credit within one business day.

Please note that I am continuing to incur damages as a result of Experian not freezing my credit pursuant to the regulations in the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 and value damages at no less than {$500.00} per diem.

I request the immediate freeze of my account and the remittance of the damages incurred by Experian.

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 2023-02-13
Company: EQUIFAX, INC.
State: WI
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:
On XXXX I got a notification from XXXX that I made a late payment on either XXXX XXXX cc or XXXX XXXX and lost XXXX. I was not late on either account. Even XXXX and XXXX did not report this. It's hurting my credit alot. Please remove this designation. You can see in attached forms Equifax I was late 2 months ago and other 5-6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Selene Holdings LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello CFPB I am submitting this complaint and seeking your assistance to prohibit Selene Finance from foreclosing on my home located at XXXX XXXX XXXX, XXXX  XXXX, XXXX NC XXXX ; loan # XXXX. My XXXX XXXX mortgage was previously held by XXXX then sold to XXXX ( peer company to XXXX ) and then sold to Selene. XXXX refused to honor the protocols allowed to XXXX XXXX  backed mortgages and stonewalled me with various excuses and insisting I refinance the loan. When Selene took over as the mortgage servicer I was told the loan was not backed by XXXX XXXX and refuses to provide information regarding who currently owns the loan. 

On XX/XX/2022 I submitted an the Borrower Assistance Program application, followed by weeks on being advised that Selene had not received my application. As it turns out the issue was that Selene would not access the link provided in the email which contained the digital forms. Thereafter it was multiple requests for additional documentation, repeat documentation, signed documentation. Resulting in my application being cancelled on XX/XX/2022 and my home going into foreclosure status. I've been advised by Selene that my home is in the foreclosure process but that my request for assistance is under consideration, however that the foreclosure process continues underway which is going to result in Selene selling my home. I have requested Selene to do the research on the loan as it was previously backed by XXXX XXXX  and since the request for assistance started during the Covid109 Pandemic that allowed payments to be suspended. To date Selene has and will not provide information on that topic. 

I'm requesting your assistance in putting a stop to the foreclosure process on my loan XXXX / home while my request for assistance is reviewed and hopefully approved. I also want assistance in requiring Selene to acknowledge this is a XXXX XXXX backed loan and therefore eligible for all options for repayment / modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: PNC Bank N.A.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PNC Bank acquired BBVA Compass Bank in late XXXX. I had a HELOC with BBVA Compass for over a decade. MY credit Union, XXXX XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until PNC acquired BBVA. I was informed in XXXX XXXX XXXX that I was three months past due. I immediate paid PNC the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that PNC claimed were never made. After many many months of getting the run around I provided PNC with multiple documents including official communication and verification from XXXX XXXX XXXX that the payments were made and were never returned or rejected by PNC Bank. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, PNC ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before PNC acquired BBVA. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX and Equifax have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX XXXX nor Equifax can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that no consumer reporting agency may make any Consumer report containing any of the following items of information " any other adverse item of information other than records of conviction of crimes. '' 15 USC 1681n- I have received actual damages because of Equifax XXXX and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
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 2021-07-29
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified.

PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME

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 2023-03-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have 2 business accounts with Union Bank, XXXX CA branch. On XXXX XXXX I was about to pay some bills when I decided to check the balances on my accounts. I logged in only to find that on XX/XX/XXXX both of my accounts were closed. I called the branch but was only given a telephone number to call. They could NOT tell me why or who closed my bank accounts. I called the number I was given ( XXXX ) and a voicemail recording asked for my name, account number and phone number and they would get back to me within 2 business days after their investigation. It's XX/XX/XXXX and I have never been contacted by anyone at Union Bank. Not anyone from the branch, not anyone from that investigation unit - nobody. I have called the branch several times, I have called and left messages for the investigation unit - several times just today - NOTHING! Can they seize my funds like that and never contact me? It's now over a week since they closed my accounts and I never heard a thing from them. All of the contact has been initiated by me. When does the bank have a responsibility to contact me about my funds ( 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
Consumer complaint received 2023-02-13
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: Account status incorrect

Complaint:
There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gotten probably a call a week for the last few months, and I just did a credit report and I dont have any outstanding debt or collections after me. They never leave a message and when I call back its an automated message saying to standby

Company response to consumer: Closed with explanation